Credit Lead

Aajil; Riyadh; On-site; SAR 80,000 - 110,000; Full time

Job summary

Aajil is seeking a Credit Lead to drive credit assessments on B2B clients and own financing decisions. The role requires 4+ years of experience in credit analysis, preferably in fintech or lending, and a strong command of financial metrics.

You will lead end-to-end credit assessments, prepare structured credit memos, and work with commercial teams to ensure efficient credit processes. This position offers significant responsibility and autonomy, contributing to Aajil’s mission of redefining B2B financial services.

Qualifications

• 4+ years of experience in credit analysis, preferably in fintech, lending, or financial services.
• Proven experience assessing SME or corporate clients.
• Strong command of financial statements and ability to analyze data.

Responsibilities

• Lead end-to-end credit assessments on SME and B2B clients.
• Prepare structured credit memos with recommendations.
• Identify and flag risk signals early.

Skills

Credit analysis

Financial statement analysis

Risk evaluation

Credit memos preparation

Communication (Arabic and English)

Education

Bachelor's degree in Finance, Accounting, Economics, or a related field

Job description

At Aajil, we’re on a mission to redefine B2B Buy Now, Pay Later (BNPL) by empowering SMEs in construction and manufacturing with flexible, fast, and accessible solutions. As a high-growth fintech disruptor, we’re challenging traditional trading systems and building products that drive real impact for underserved businesses.

What You’ll Be Doing

Credit is the core of what we do. Every decision we make affects real businesses, real capital, and real risk. This isn’t a support function; it's where the work happens.

As Credit Lead, you will drive credit assessments on B2B clients, own financing decisions, and be the person the business relies on for sound, well-structured risk judgment. You've done this before. You understand SME financials, you know what red flags look like, and you can turn a stack of documents into a clear recommendation.

You will own cases from start to finish: analysis, assessment, decision support, and coordination with internal teams. No hand-holding. High ownership.

What You’ll Own

• Lead end-to-end credit assessments on SME and B2B clients, including financial statement analysis, ratio analysis, and risk evaluation
• Prepare structured credit memos with clear recommendations for financing decisions
• Identify and flag risk signals early, in financial data, client behavior, or sector trends
• Work directly with the commercial and operations teams to move cases through the credit lifecycle efficiently
• Contribute to improving credit processes, scoring models, and internal policies as the business scales
• Maintain portfolio quality by monitoring active financing cases and flagging deterioration signals

What We’re Looking For

• 4+ years of experience in credit analysis, preferably in fintech, lending, or financial services
• Proven experience assessing SME or corporate clients; you've written credit memos, made recommendations, and owned outcomes
• Strong command of financial statements and the ability to read between the lines
• Familiar with credit risk metrics: liquidity ratios, leverage, coverage, DSCR
• Comfortable in a fast-moving environment where processes are still being built
• Clear communicator in Arabic and English
• Bachelor's degree in Finance, Accounting, Economics, or a related field

Why Join Aajil?

Results Over Hours

We focus on outcomes, not activity. You are trusted to deliver impact in the way that works best for you.

Real Ownership

You will work on meaningful challenges with full end-to-end responsibility and visible impact.

Accelerated Growth

You will take on significant responsibility early and grow through real execution.

Trust-First Culture

We hire experienced professionals and empower them with autonomy, ownership, and decision-making authority.