Credit Lead

About the Role

Aajil is building a new kind of B2B Buy Now, Pay Later platform focused on giving small and medium businesses in construction and manufacturing access to fast, flexible, and practical financing. The company is a fast-scaling fintech business working to modernize traditional trade financing and create meaningful impact for underserved companies.

The Credit Lead role sits at the center of the business. You will be responsible for credit judgment on B2B customers, ownership of financing recommendations, and helping ensure risk decisions are well structured and commercially sound. This position calls for someone who has already handled similar work, understands SME financials, recognizes warning signs in credit files, and can turn documentation into a clear decision support recommendation.

You will manage cases from beginning to end, including analysis, assessment, decision support, and coordination with internal stakeholders. This is a high-ownership role with minimal supervision.

Key Responsibilities

• Run full credit evaluations for SME and B2B clients, covering financial statement review, ratio analysis, and overall risk assessment.
• Draft clear and structured credit memos that support financing decisions.
• Spot risk indicators early from financial information, client behavior, and sector-level trends.
• Collaborate closely with commercial and operations teams to progress cases through the credit process efficiently.
• Help improve credit workflows, scoring frameworks, and internal policies as the company grows.
• Track active financing cases to protect portfolio quality and raise alerts when signs of deterioration appear.

What We Are Looking For

• At least 4 years of experience in credit analysis, ideally within fintech, lending, or financial services.
• Direct experience evaluating SME or corporate borrowers, including writing credit memos, making recommendations, and owning the final outcome.
• Strong understanding of financial statements and the ability to interpret the underlying story behind the numbers.
• Working knowledge of credit risk measures such as liquidity ratios, leverage, coverage, and DSCR.
• Comfort working in a fast-paced environment where processes are still evolving.
• Strong communication skills in both Arabic and English.
• A bachelor’s degree in Finance, Accounting, Economics, or a closely related discipline.

Why Join

The company emphasizes outcomes over activity, giving you the freedom to deliver impact in the way that works best for you. You will have end-to-end responsibility for meaningful work, with visible results and room to make a real difference. The environment is built for experienced professionals who want autonomy, trust, and rapid growth through hands-on execution.

Additional Information

This role is based onsite in Riyadh, Saudi Arabia and is a full-time position. The posting does not mention salary, perks, application deadline, notice period, or number of openings.

About the Team and Work Style

The business is hiring experienced people who can operate independently, take ownership, and contribute decisively without heavy hand-holding. The culture is described as trust-first, with significant decision-making authority placed in the hands of the team.