Credit Specialist

Aajil; Riyadh; On-site; SAR 60,000 - 80,000; Full time

Benefits offered by this job

Trust-first culture

Real ownership of projects

Accelerated growth opportunities

Job summary

A financial technology company in Riyadh is seeking a Credit Specialist to assess client creditworthiness and support financing decisions. This early-career role requires 1-3 years of experience in finance or accounting and a Bachelor's degree in a related field. The ideal candidate will have strong skills in credit analysis, organizational abilities, and fluency in Arabic and English. Aajil offers significant responsibility, a trusted culture, and focuses on results over hours.

Qualifications

• 1-3 years of experience in credit, finance, accounting, or a related field.
• Strong ability to read and interpret financial statements.
• Fluency in Arabic and English.

Responsibilities

• Review and interpret financial statements to assess client creditworthiness.
• Prepare clear, concise credit assessments supporting financing decisions.
• Operate within established credit workflows ensuring accuracy.

Skills

Credit analysis

Financial statement interpretation

Organizational skills

Time management

Communication

Education

Bachelor's degree in Finance, Accounting, or related discipline

Job description

ABOUT AAJIL

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 are challenging traditional trading systems and building products that drive real impact for underserved businesses.

If you are driven by analytical thinking, ownership, and working on real financial decisions, this is an opportunity to do meaningful work at scale.

THE ROLE

Credit at Aajil sits at the core of the business. Every financing decision directly impacts risk, capital deployment, and growth. This role exists to ensure that decisions are informed, consistent, and grounded in sound financial analysis.

As a Credit Specialist, you will assess client creditworthiness, support financing decisions, and maintain the integrity of the credit process. You will work across internal teams, not as an observer, but as the person responsible for translating financial data into clear, actionable insights.

This is an early-career role with high responsibility. The expectation is accuracy, structured thinking, and consistent execution.

WHAT YOU WILL OWN

• Credit Assessment & Analysis Review and interpret financial statements and supporting documents to assess client creditworthiness. Apply credit ratios and basic risk metrics to form structured evaluations.
• Decision Support Prepare clear, concise credit assessments and communicate findings to relevant stakeholders to support financing decisions.
• Process Execution Operate within established credit workflows and systems, ensuring consistency, accuracy, and timely processing of cases.
• Cross-Functional Coordination Work closely with internal teams to move cases through the credit lifecycle efficiently, maintaining alignment and clarity.

WHO YOU ARE

• You are detail-oriented and do not overlook inconsistencies in financial data.
• You think in a structured way and can translate numbers into clear conclusions.
• You are comfortable working within defined processes while maintaining ownership of your output.
• You communicate clearly across different stakeholders.
• You are reliable, organized, and able to manage your workload independently.

REQUIREMENTS

• 1–3 years of experience in credit, finance, accounting, or a related field.
• Bachelor’s degree in Finance, Accounting, or a related discipline.
• Strong ability to read and interpret financial statements.
• Familiarity with credit analysis and basic risk metrics (e.g., liquidity ratios, leverage ratios).
• Strong organizational and time management skills.
• Ability to work independently within structured workflows.
• Fluency in Arabic and English.

NICE TO HAVE

• Experience in lending, fintech, or financial services.
• Exposure to SME credit assessment.
• Familiarity with credit systems or workflow tools.
• Understanding of industry-specific risks (construction, manufacturing).

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.