Credit Specialist

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.