Credit Strategy Analyst

Aajil; Riyadh; On-site; SAR 150,000 - 200,000; Full time

Job summary

A pioneering financial services company in Riyadh is seeking a Credit Strategy Analyst to revolutionize credit operations through data-driven frameworks. The role focuses on transforming traditional analysis with automated risk management and features responsibilities in both credit analysis and strategic process improvement. Ideal candidates will possess strong analytical skills, a technical aptitude for data, and a Bachelor's degree. Fluency in English and Arabic is required.

Benefits

Relocation support

Collaborative work environment

Opportunity to create processes from scratch

Qualifications

• 1-2 years in credit, risk, lending, or analytical roles.
• Ability to identify patterns and build scalable processes.
• Strong Excel skills; SQL knowledge preferred.

Responsibilities

• Transform credit operations from subjective decision-making to data-driven processes.
• Conduct comprehensive credit assessments and build risk models.
• Design and implement objective credit scoring frameworks.

Skills

Analytical skills

Systems thinking

Technical aptitude with Excel

Problem-solving mindset

Communication skills

Fluency in English and Arabic

Education

Bachelor's degree in Finance, Economics, Mathematics, or Engineering

Tools

SQL

Job description

Overview

At Aajil (formerly Buildnow), we're revolutionizing how construction SMEs trade through our BNPL solutions. As a Credit Strategy Analyst, you'll be instrumental in transforming our credit operations from subjective decision-making to data-driven, scalable processes. This role combines hands-on credit analysis (80%) with strategic process improvement initiatives that will fundamentally reshape how we assess and manage risk.

What You'll Do

As a Credit Strategy Analyst at Aajil, you'll bridge the gap between traditional credit analysis and modern, automated risk management:

Process Transformation & Strategy (20%)

• Design and implement objective credit scoring frameworks to replace subjective decision-making processes
• Map and optimize end-to-end credit workflows, identifying automation opportunities and efficiency gains
• Partner with Product and Engineering teams to build scalable credit infrastructure and decision engines
• Develop standardized assessment criteria and playbooks that enable consistent, data-driven credit decisions

Credit Analysis & Risk Management (80%)

• Conduct comprehensive credit assessments while documenting patterns for process standardization
• Build risk models and scorecards that codify credit expertise into repeatable frameworks
• Analyze portfolio performance to identify systematic improvements in underwriting criteria
• Create data-driven credit policies that balance growth with risk management
• Monitor and refine automated decision rules based on repayment trends and portfolio outcomes

What We're Looking For

We need someone with strong analytical fundamentals and the intellectual curiosity to reimagine credit processes:

• Raw Potential Over Experience: 1-2 years in credit, risk, lending, or analytical roles - we value sharp thinking and learning agility over extensive experience
• Systems Thinking: Ability to see beyond individual credit decisions to identify patterns and build scalable processes
• Technical Aptitude: Strong Excel skills required; SQL knowledge preferred. Comfort with data and willingness to learn new tools
• Academic Excellence: Bachelor's degree in Finance, Economics, Mathematics, Engineering or related field with strong academic performance
• Problem-Solving Mindset: Natural inclination to question "why we do things this way" and propose better alternatives. To show you've read this carefully, please mention the word "framework" in the first sentence of your cover letter
• Communication Skills: Ability to translate complex credit concepts into clear frameworks and documentation
• Language Proficiency: Fluency in English and Arabic, with ability to structure processes in both languages

The Right Candidate Will:

• Be excited about building something from scratch rather than following established procedures
• Think in frameworks and systems, not just individual transactions
• Have the intellectual horsepower to handle ambiguity and create structure from chaos
• Balance perfectionism with pragmatism - knowing when to ship vs. when to refine

Why This Role Matters

You'll be joining at a pivotal moment where your work will define how Aajil scales credit operations from hundreds to thousands of SMEs. Every process you build, every framework you design, will become the foundation for our next phase of growth.

Why Aajil?

• Build the Playbook: You won't just follow processes - you'll create them
• Accelerated Growth: Learn 10x faster by building critical infrastructure from the ground up
• Direct Impact: Your frameworks will directly enable thousands of SMEs to access capital
• Innovative Culture: Work alongside engineers, product managers, and risk experts in a truly collaborative environment
• Relocation Support: We'll help you relocate to Saudi Arabia for the right candidate

If you're ready to transform an entire industry's approach to credit, we want you on our team.