Senior Credit Analyst

Dnaneer Financing Company is a Saudi Central Bank-licensed company providing innovative and Shariah-compliant financing solutions to small and medium enterprises (SMEs) across Saudi Arabia by leveraging crowd funding model. Established in 2023, Dnaneer leverages technology, data-driven underwriting, and strategic partnerships to simplify access to capital and empower business growth. Our mission is to close the SME financing gap by offering flexible, transparent, and customer-centric financial products that support the Kingdom’s Vision 2030 goals.

Dnaneer is hiring a Senior Credit Analyst to join our Credit team. As a SAMA-supervised company that connects investors with SME borrowers through a crowdlending model, we underwrite every facility with care. The quality of our credit decisions protects both our borrowers and the investors who fund them.

Reporting to the Credit Manager, you will own the analytical heart of the lending process: assessing SME applicants, building the credit case, and recommending decisions for approval. You will work within Dnaneer’s credit policy and risk appetite, partnering with the risk, product, and operations teams to keep underwriting fast, sound, and consistent. This is a senior individual-contributor role for someone who wants to do deep credit work and shape how it is done.

• ing Assess SME credit applications end to end, analysing financial statements, bank activity, business performance, and external data to form a clear view of creditworthine
• ss.
  
  Build the credit case for each application and recommend approve or decline decisions to the Credit Manager, with clear reasoning and proposed terms, limits, and conditio
• ns.
  
  Apply Dnaneer’s credit policy, scoring models, and risk appetite consistently, escalating exceptions and borderline cases with a well-supported rationa
• le.
  
  Structure facilities appropriately for the borrower’s profile and repayment capacity, balancing recovery risk with the company’s lending objectiv
• ting Monitor the SME portfolio for early-warning signals, watching exposure, performance, and concentration, and flag emerging risks to the Credit Mana
• ger.
  
  Track and report on credit quality, approval rates, and underwriting metrics, surfacing trends and insights that improve decisi
• ons.
  
  Conduct periodic reviews of existing facilities and recommend actions where borrower risk has chan

• ation
  
  Partner with operations, commercial relations and investor relations to streamline digital loan processing and improve the speed and consistency of underwri
• ting.
  
  Support the Credit Manager in refining credit policy, scoring models, and underwriting standards, contributing analysis and recommendat
• ions.
  
  Maintain accurate, audit-ready credit files and documentation in line with SAMA requirements and internal po

• equired2–4 years of experience in SME or commercial credit analysis, underwriting, or credit risk within a bank, financial institution, or f
• intech.
  
  Bachelor’s degree in Finance, Business Administration, Economics, or a related disc
• ipline.
  
  Strong financial-statement analysis and the proven ability to assess creditworthiness and structure facilities in a digital lending c
• ontext.
  
  Solid understanding of credit risk principles, the delinquency lifecycle, and the regulatory requirements for SME lending in Saudi
• Arabia.
  
  Comfort working with credit scoring models, automated underwriting tools, and loan origination s
• ystems.
  
  Strong analytical and problem-solving skills, with sharp attention to detail and the ability to manage a high volume of applications without dropping q
• uality.
  
  Fluent written and spoken E
• nglish.
  
  AI-native: works fluently with AI tools to sharpen credit analysis, underwriting, and day-to-day workflows, and treats them as a core part of how the work get
• referred
  
  Experience in SME lending, P2P financing, or digital credit within a SAMA-regulated environment — a crowdlending background is a strong ad
• vantage.
  
  CFA Level 1 certif
• ication.
  
  Experience contributing to credit policy or scoring model deve