52 Credit Analyst jobs in Riyadh

HALA is a leading fintech player in the MENAP region that aims to redefine financial services and build the future bank of SMEs. HALA aims at empowering SMEs to start, run, and grow their businesses by providing them with cutting-edge financial and technological tools.

HALA currently holds multiple entities in UAE, Saudi Arabia and Egypt (including HALA Payments, HALA Cashier and HALA Logistics) and offers solutions that enable merchants to digitize their payments as well as manage their sales and operations.

Founded in 2017, HALA is currently duly licensed by the Saudi Arabian Central Bank as well as the Financials Services Regulatory Authority (FSRA) in Abu Dhabi Global Market.

• Review, validate, and process credit applications submitted by customers, ensuring all required documentation is complete and accurate.
• Conduct financial analysis of applicants, including income verification, debt analysis, repayment capacity, and credit history assessment.
• Apply internal credit policies, risk frameworks, and regulatory guidelines to make informed credit decisions.
• Identify potential risks, red flags, and inconsistencies in applications, escalating cases when necessary.
• Communicate with internal teams (sales, operations, risk) to resolve missing information or discrepancies.
• Maintain accurate records of all processed applications, approvals, declines, and justifications.
• Support continuous improvement by providing feedback on process gaps and suggesting enhancements to credit evaluation procedures.
• Ensure compliance with company policies, data privacy standards, and local regulatory requirements.

• Experience: 4+ years
• Education: Bachelor in Finance
• Certifications: FRM, CFA (Level 1/2)
• Skills & Qualities: Comfortable working in a high-performance culture, collaborating with multiple stakeholders, organized, data-driven, and confident in presenting to senior leadership.

• We have an inclusive and diverse culture that encourages innovation and flexibility in remote, in-office, and hybrid work setups.
• We offer highly competitive compensation packages, including the potential for shares.
• We prioritize personal development and offer regular training and an annual learning stipend to tackle new challenges and grow your career in a hyper-growth environment.
• Join a talented team of over 30 nationalities working in 7 countries and gain valuable experience in an exciting industry.
• We offer autonomy, mentoring, and challenging goals that create incredible opportunities for both you and the company.
• You will be given a lot of responsibility and trust. We believe that the best results come when the people responsible for a function are given the freedom to do what they think is best.

We’re an equal opportunities employer and welcome applications from all qualified candidates.

HALA is a leading fintech player in the MENAP region that aims to redefine financial services and build the future bank of SMEs. HALA aims at empowering SMEs to start, run, and grow their businesses by providing them with cutting-edge financial and technological tools.

HALA currently holds multiple entities in UAE, Saudi Arabia and Egypt (including HALA Payments, HALA Cashier and HALA Logistics) and offers solutions that enable merchants to digitize their payments as well as manage their sales and operations.

Founded in 2017, HALA is currently duly licensed by the Saudi Arabian Central Bank as well as the Financials Services Regulatory Authority (FSRA) in Abu Dhabi Global Market.

• Review, validate, and process credit applications submitted by customers, ensuring all required documentation is complete and accurate.
• Conduct financial analysis of applicants, including income verification, debt analysis, repayment capacity, and credit history assessment.
• Apply internal credit policies, risk frameworks, and regulatory guidelines to make informed credit decisions.
• Identify potential risks, red flags, and inconsistencies in applications, escalating cases when necessary.
• Communicate with internal teams (sales, operations, risk) to resolve missing information or discrepancies.
• Maintain accurate records of all processed applications, approvals, declines, and justifications.
• Support continuous improvement by providing feedback on process gaps and suggesting enhancements to credit evaluation procedures.
• Ensure compliance with company policies, data privacy standards, and local regulatory requirements.

Experience: 4+ years

Education: Bachelor in Finance

Certifications: FRM, CFA (Level 1/2)

Skills & Qualities: Comfortable working in a high-performance culture, collaborating with multiple stakeholders, organized, data-driven, and confident in presenting to senior leadership.

We believe you will love working at HALA!

• We have an inclusive and diverse culture that encourages innovation and flexibility in remote, in-office, and hybrid work setups.
• We offer highly competitive compensation packages, including the potential for shares.
• We prioritize personal development and offer regular training and an annual learning stipend to tackle new challenges and grow your career in a hyper-growth environment.
• Join a talented team of over 30 nationalities working in 7 countries and gain valuable experience in an exciting industry.
• We offer autonomy, mentoring, and challenging goals that create incredible opportunities for both you and the company.
• You will be given a lot of responsibility and trust. We believe that the best results come when the people responsible for a function are given the freedom to do what they think is best.

HALA is an equal opportunities employer and welcomes applications from diverse candidates.

Analyze data related to credit facility requests received by the department and record recommendations for use by relevant bank entities in decisions regarding new lending/investments, renewals, modifications, and restructuring of existing loans/investments.

Conduct in-depth analysis of available data to enhance the identification, assessment, and measurement of risks more effectively and efficiently for all credit decisions.

Provide decision-makers with accurate figures, information, data, and analyses to ensure sound credit decisions aligned with the bank’s objectives.

Review and analyze credit information and any matters related to credit reports, including studying the economic sector’s situation, financial solvency and sustainability, collateral status, guarantors, etc.

Prepare detailed credit reports on borrowers, covering their credit standing, repayment capabilities, potential default risks, and the benefits of establishing/maintaining relationships with them, record observations, and submit to the direct supervisor.

Provide all required data and reports to relationship managers and the direct supervisor upon request to facilitate decision-making and recommendation processes.

Contribute to the analysis of projected cash flows by preparing necessary reports and supplying the direct supervisor with all relevant data and information.

Keep the direct supervisor informed of all developments, events, and economic reports related to market sectors, credit portfolios, and clients.

Provide necessary support for all corporate-related projects and supply relevant parties with data/reports/information as needed.

Bachelor’s degree in Business Administration, Economics, Banking & Finance, Statistics, or a related field.

Minimum of 1 year of experience in credit or data analysis in banks or related institutions.

Strong analytical abilities with proficiency in advanced statistical and mathematical tools, solid quantitative skills, and knowledge of stress tests, Basel, and Credit/Market/Operational/Liquidity Risk.

Full proficiency in English.

Computer literacy and ability to work with applied systems.

Good knowledge of the bank’s services and products.

Full understanding of work-governing policies and procedures, including internal and external updates.

Ability to work under pressure.

Strong communication and interpersonal skills.

Planning and organizational skills.

Overview

Analyze data related to credit facility requests and record recommendations for use by relevant bank entities in decisions regarding new lending/investments, renewals, modifications, and restructuring of existing loans/investments. Conduct in-depth analysis of available data to enhance the identification, assessment, and measurement of risks for all credit decisions. Provide decision-makers with accurate figures, information, data, and analyses to ensure sound credit decisions aligned with the bank's objectives. Review and analyze credit information and related matters such as credit reports, economic sector conditions, financial solvency and sustainability, collateral status, and guarantors. Prepare detailed credit reports on borrowers, covering credit standing, repayment capabilities, potential default risks, and the benefits of establishing or maintaining relationships with them. Submit observations to the direct supervisor. Provide required data and reports to relationship managers and the direct supervisor upon request to facilitate decision-making and recommendation processes. Contribute to the analysis of projected cash flows by preparing necessary reports and supplying the direct supervisor with all relevant data and information. Keep the direct supervisor informed of developments, events, and economic reports related to market sectors, credit portfolios, and clients. Provide necessary support for corporate-related projects and supply relevant parties with data/reports/information as needed.

• Bachelor's degree in Business Administration, Economics, Banking & Finance, Statistics, or a related field.
• Minimum of 1 year of experience in credit or data analysis in banks or related institutions.
• Strong analytical abilities with proficiency in advanced statistical and mathematical tools, solid quantitative skills, and knowledge of stress tests, Basel, and Credit/Market/Operational/Liquidity Risk.
• Full proficiency in English.
• Computer literacy and ability to work with applied systems.
• Good knowledge of the bank's services and products.
• Full understanding of work-governing policies and procedures, including internal and external updates.
• Ability to work under pressure.
• Strong communication and interpersonal skills.
• Planning and organizational skills.

• Entry level

• Full-time

• Other

• IT Services and IT Consulting

HALA is a leading fintech player in the MENAP region that aims to redefine financial services and build the future bank of SMEs. HALA aims at empowering SMEs to start, run, and grow their businesses by providing them with cutting-edge financial and technological tools.

HALA currently holds multiple entities in UAE, Saudi Arabia and Egypt (including HALA Payments, HALA Cashier and HALA Logistics) and offers solutions that enable merchants to digitize their payments as well as manage their sales and operations.

Founded in 2017, HALA is currently duly licensed by the Saudi Arabian Central Bank as well as the Financials Services Regulatory Authority (FSRA) in Abu Dhabi Global Market.

• Review, validate, and process credit applications submitted by customers, ensuring all required documentation is complete and accurate.
• Conduct financial analysis of applicants, including income verification, debt analysis, repayment capacity, and credit history assessment.
• Apply internal credit policies, risk frameworks, and regulatory guidelines to make informed credit decisions.
• Identify potential risks, red flags, and inconsistencies in applications, escalating cases when necessary.
• Communicate with internal teams (sales, operations, risk) to resolve missing information or discrepancies.
• Maintain accurate records of all processed applications, approvals, declines, and justifications.
• Support continuous improvement by providing feedback on process gaps and suggesting enhancements to credit evaluation procedures.
• Ensure compliance with company policies, data privacy standards, and local regulatory requirements.

Experience: 4+ years

Education: Bachelor in Finance

Certifications: FRM, CFA (Level 1/2)

Skills & Qualities: Comfortable working in a high-performance culture, collaborating with multiple stakeholders, organized, data-driven, and confident in presenting to senior leadership.

We believe you will love working at HALA!

• We have an inclusive and diverse culture that encourages innovation and flexibility in remote, in-office, and hybrid work setups.
• We offer highly competitive compensation packages, including the potential for shares.
• We prioritize personal development and offer regular training and an annual learning stipend to tackle new challenges and grow your career in a hyper-growth environment.
• Join a talented team of over 30 nationalities working in 7 countries and gain valuable experience in an exciting industry.
• We offer autonomy, mentoring, and challenging goals that create incredible opportunities for both you and the company.
• You will be given a lot of responsibility and trust. We believe that the best results come when the people responsible for a function are given the freedom to do what they think is best.

Rize

Rize is a groundbreaking rent-now-pay-later platform reshaping the rental landscape in Saudi Arabia. We're dedicated to making rentals more accessible and affordable, enabling tenants to manage their finances with ease and landlords to secure their income effortlessly. We're on a mission to revolutionize the rental industry, breaking down barriers and creating opportunities for all. We're a team of innovators, thinkers, and problem-solvers, committed to creating a positive impact and driving change in the market.

We love working together, being creative, and doing things differently! Our team is made up of over 20 people with different nationalities. We work from a cozy office in Riyadh, Saudi Arabia. And hey, we're not just smart—we're really good at coming up with new ideas! Plus, you can work from wherever you want because we like to keep things flexible.

• Innovation – We’re a technology-driven team with the purpose of uplifting the real estate sector. We are the leaders of the industry in innovation.
• Customer Centricity – We put the customer at the core of every decision and action.
• Adaptability – Being able to adapt quickly to changing market conditions and customer needs.
• Empowerment & Collaboration – Our team is the most valuable aspect of the company; We respect all ideas, our team enjoys authority, autonomy, and collaboration.
• Ethical Excellence – We perform within the highest ethical standard.

We are looking for a Credit Underwriter to manage tenant and landlord contracts from start to finish. This role ensures that all leasing agreements meet legal standards and Rize’s internal credit policies.

• Prepare, review, and finalize tenant contracts and landlord contracts.
• Ensure accuracy and compliance with Saudi leasing regulations.
• Be able to make contracts on Ejari platform submissions and resolve any related issues.
• Coordinate with Legal, Risk, and Credit teams to maintain complete, error-free records.
• Monitor contract turnaround times and escalate delays when needed.

• 1+ years of related experience.
• Experience in legal real estate operations and strong knowledge of leasing practices.
• Hands-on experience using the Ejari platform is highly preferred.
• Excellent attention to detail with strong organizational skills.
• Ability to work accurately under pressure and tight deadlines.

What do we offer?

• Competitive salary - Receive a competitive salary package in USD or SAR, reflecting your skills and contributions in our industry.
• Diverse International team - Join a diverse international team where different perspectives and backgrounds enrich our collaborative culture.
• Flexibility - Enjoy the option to work full remote or hybrid, allowing you to balance work and life in a way that suits you best.
• Innovation - Shape the future of Proptech with your groundbreaking ideas and technological prowess.
• Direct Impact - See your ideas come to life and make tangible changes in an industry ripe for revolution.
• Fast-paced Learning - Grow personally and professionally every day with opportunities to master new skills in our dynamic start-up environment.
• Creative Freedom - Take the reins, innovate, and push boundaries with the freedom to experiment, learn, and grow at Rize.
• Close-knit Community - Join a collaborative, supportive team where your voice matters and your contributions are recognized and celebrated.

Financial Analysis Manager, FAAS, Riyadh

In Financial Accounting Advisory Services (FAAS) within Assurance, we assist our clients to address the accounting and financial reporting challenges facing their business. You will be part of a team that provides insight and services that accelerate analytics, decision‑making and innovation to build a stronger and more efficient finance function. You will experience ongoing professional development through diverse experiences, world‑class learning and individually tailored coaching.

That is how we develop outstanding leaders, who team up together, to deliver on our promises to all of our stakeholders, and in doing so play a critical role in building a better working world for our people, for our clients and for our communities.

Sound interesting? Well this is just the beginning. Because whenever you join, however long you stay, the exceptional EY experience lasts a lifetime.

Our FAAS practice is one of the fastest growing areas of our business. As a result, we have a recruitment need for a manager, Financial Analysis to join our team to support on services related to accounting projects in the public and private sector. The role will be based in Riyad.

Responsible for leading and managing financial analysis and planning activities within large-scale government transformation and revenue optimization programs.

Directing the development of financial models, forecasts, and analytical dashboards to support strategic decision‑making.

Designing operating models and financial frameworks that improve efficiency and fiscal sustainability across government entities.

Overseeing budgeting, forecasting, and performance management processes, ensuring compliance with IPSAS/IFRS standards.

Leading the preparation of management reports and high‑quality presentations using PowerPoint and data visualization tools.

Coordinating with cross‑functional teams across finance, data, and strategy functions to ensure project alignment.

Supervise and mentor junior team members.

Proven experience in financial analysis, modeling, and performance management.

Strong analytical capability to process and interpret large financial datasets.

Proficiency in Power BI, SQL, Python, and advanced Excel modeling.

Excellent communication and presentation design skills.

Strong leadership, stakeholder management, and problem‑solving abilities.

Bachelor’s degree in finance, Accounting, or Economics (master’s preferred).

Professional certification: CMA, CFA, or FMVA.

Minimum 8 years of relevant experience, including at least 4 years in a Big 4 firm.

Demonstrated experience in government financial transformation, operating model design, and revenue optimization.

Knowledge of IPSAS/IFRS standard.

Experience in advising on financial sustainability, budgeting, or cost optimization within public sector programs.

We are interested in entrepreneurs who have the confidence to develop and promote a brand new strategic vision both internally and externally. You will be business savvy with a passion for innovation as well as the motivation to create your own EY journey.

We offer a competitive compensation package where you’ll be rewarded based on performance and recognized for the value you bring to our business. Plus, we offer:

Continuous learning: You’ll develop the mindset and skills to navigate whatever comes next.

Success as defined by you: We’ll provide the tools and flexibility, so you can make a meaningful impact, your way.

Transformative leadership: We’ll give you the insights, coaching and confidence to be the leader the world needs.

Diverse and inclusive culture: You’ll be embraced for who you are and empowered to use your voice to help others find theirs.

If you can demonstrate that you meet the criteria above, please contact us as soon as possible.

The exceptional EY experience. It’s yours to build.

Financial Analysis Manager, FAAS, Riyadh

In Financial Accounting Advisory Services (FAAS) within Assurance, we assist our clients to address the accounting and financial reporting challenges facing their business. You will be part of a team that provides insight and services that accelerate analytics, decision‑making and innovation to build a stronger and more efficient finance function. You will experience ongoing professional development through diverse experiences, world‑class learning and individually tailored coaching.

That is how we develop outstanding leaders, who team up together, to deliver on our promises to all of our stakeholders, and in doing so play a critical role in building a better working world for our people, for our clients and for our communities.

Sound interesting? Well this is just the beginning. Because whenever you join, however long you stay, the exceptional EY experience lasts a lifetime.

Our FAAS practice is one of the fastest growing areas of our business. As a result, we have a recruitment need for a manager, Financial Analysis to join our team to support on services related to accounting projects in the public and private sector. The role will be based in Riyad.

Responsible for leading and managing financial analysis and planning activities within large-scale government transformation and revenue optimization programs.

Directing the development of financial models, forecasts, and analytical dashboards to support strategic decision‑making.

Designing operating models and financial frameworks that improve efficiency and fiscal sustainability across government entities.

Overseeing budgeting, forecasting, and performance management processes, ensuring compliance with IPSAS/IFRS standards.

Leading the preparation of management reports and high‑quality presentations using PowerPoint and data visualization tools.

Coordinating with cross‑functional teams across finance, data, and strategy functions to ensure project alignment.

Supervise and mentor junior team members.

Proven experience in financial analysis, modeling, and performance management.

Strong analytical capability to process and interpret large financial datasets.

Proficiency in Power BI, SQL, Python, and advanced Excel modeling.

Excellent communication and presentation design skills.

Strong leadership, stakeholder management, and problem‑solving abilities.

Bachelor’s degree in finance, Accounting, or Economics (master’s preferred).

Professional certification: CMA, CFA, or FMVA.

Minimum 8 years of relevant experience, including at least 4 years in a Big 4 firm.

Demonstrated experience in government financial transformation, operating model design, and revenue optimization.

Knowledge of IPSAS/IFRS standard.

Experience in advising on financial sustainability, budgeting, or cost optimization within public sector programs.

We are interested in entrepreneurs who have the confidence to develop and promote a brand new strategic vision both internally and externally. You will be business savvy with a passion for innovation as well as the motivation to create your own EY journey.

We offer a competitive compensation package where you’ll be rewarded based on performance and recognized for the value you bring to our business. Plus, we offer:

Continuous learning: You’ll develop the mindset and skills to navigate whatever comes next.

Success as defined by you: We’ll provide the tools and flexibility, so you can make a meaningful impact, your way.

Transformative leadership: We’ll give you the insights, coaching and confidence to be the leader the world needs.

Diverse and inclusive culture: You’ll be embraced for who you are and empowered to use your voice to help others find theirs.

If you can demonstrate that you meet the criteria above, please contact us as soon as possible.

The exceptional EY experience. It’s yours to build.

Overview

The Director of Financial Analysis and Planning plays a pivotal role in the strategic financial management of our retail and wholesale operations. This leadership position involves overseeing the financial planning processes, analyzing financial data to guide decision-making, and ensuring the alignment of financial strategies with the company’s objectives. The successful candidate will collaborate closely with various departments to develop comprehensive financial models and forecasts, ultimately driving profitability and operational efficiency.

1. Lead the financial planning and analysis team, ensuring the accuracy and timeliness of financial reporting.
2. Develop and implement financial models that support strategic initiatives and business decisions.
3. Analyze financial performance and trends, providing actionable insights to senior management.
4. Coordinate the annual budgeting process, ensuring alignment with corporate goals and objectives.
5. Monitor and evaluate key performance indicators (KPIs) to assess operational efficiency and financial health.
6. Collaborate with cross-functional teams to support business growth and identify cost-saving opportunities.
7. Prepare detailed financial reports and presentations for stakeholders, including executive leadership and the board of directors.
8. Conduct scenario analysis to assess the impact of various business strategies on financial performance.
9. Ensure compliance with financial regulations and internal policies, providing guidance on best practices.
10. Preferred Candidate: Proven experience in financial analysis, planning, and management within the retail or wholesale industry.

• Strong leadership skills with the ability to motivate and develop a high-performing team.
• Exceptional analytical and problem-solving skills, with a keen attention to detail.
• Excellent communication and interpersonal skills, capable of presenting complex financial information clearly.
• Demonstrated ability to work collaboratively across departments and influence decision-making.
• Advanced proficiency in financial modeling and forecasting techniques.
• Strong business acumen with a deep understanding of retail and wholesale financial dynamics.
• Ability to thrive in a fast-paced environment and adapt to changing business needs.
• Professional certifications such as CFA or CPA are highly desirable.

• Financial Analysis: The ability to analyze financial statements, assess financial performance, and interpret data to provide actionable insights for strategic decision-making.
• Budgeting and Forecasting: Expertise in developing budgets and financial forecasts that align with business objectives and drive financial planning processes.
• Leadership: Strong leadership capabilities to manage and mentor a team, fostering a collaborative and high-performance culture.
• Communication: Exceptional verbal and written communication skills to convey complex financial information effectively to stakeholders at all levels.
• Technical Proficiency: Advanced skills in financial modeling software and tools, including Excel, as well as familiarity with ERP systems used in financial management.