مشرف ائتمان ومحلل مالي

About the Role

On behalf of a leading Publicly Listed Joint Stock Company (Tadawul) headquartered in Riyadh, we are exclusively seeking a highly analytical and results-driven Credit Supervisor & Financial Analyst.

In this key supervisory role, you will lead the credit risk management framework, evaluate corporate client solvency, oversee accounts receivable portfolios, and optimize cash flow performance while maintaining strict adherence to corporate governance and regulatory compliance.

Key Responsibilities

• Credit Risk Assessment: Evaluate B2B clients’ financial health, financial statements, and credit reports (SIMAH/Bayan) to establish appropriate credit limits and terms.
• Financial Modeling & ECL: Perform financial analysis and compute Expected Credit Loss (ECL) provisions in strict compliance with IFRS 9 accounting standards.
• Portfolio & Aging Management: Monitor accounts receivable aging reports, identify high-risk accounts, and execute effective credit control and recovery strategies.
• Team Supervision & Cross-Functional Alignment: Oversee credit control workflows, align with Sales & Account Management to ensure smooth collections, and escalate non-performing accounts to Legal when necessary.
• Executive Reporting & KPIs: Generate periodic executive dashboards tracking Days Sales Outstanding (DSO), bad debt ratios, collection efficiency, and credit risk exposure.
• Compliance & Governance: Ensure all credit actions comply with internal risk policies, audit standards, and regulatory requirements for listed entities.

Requirements & Qualifications

• Education: Bachelor’s degree in Finance, Accounting, or Business Administration. Professional credentials (CMA, SOCPA, CFA) are a major advantage.
• Experience: 4–6+ years of strong experience in credit analysis, financial assessment, or credit control, including at least 2 years in a supervisory role.
• Technical Expertise:
• Deep knowledge of IFRS 9 and financial analysis techniques.
• Hands-on proficiency with major ERP systems (Oracle / SAP) and advanced Excel financial modeling.
• Familiarity with Saudi credit bureau tools (SIMAH / Bayan).
• Industry Background: Background in publicly traded companies, B2B services, or financial/commercial sectors is highly desirable.
• Languages: Business fluency in both Arabic and English (spoken and written).