Credit Specialist

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.

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.

Review and interpret financial statements and supporting documents to assess client creditworthiness. Apply credit ratios and basic risk metrics to form structured evaluations.

Prepare clear, concise credit assessments and communicate findings to relevant stakeholders to support financing decisions.

Operate within established credit workflows and systems, ensuring consistency, accuracy, and timely processing of cases.

Work closely with internal teams to move cases through the credit lifecycle efficiently, maintaining alignment and clarity.

• 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

• 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

• 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)

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

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

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

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