At Aajil (formerly Buildnow), we’re revolutionizing how construction SMEs access financing through our BNPL solutions. As a Senior Credit Analyst (7 + years), you’ll dive head-first into real-world challenges, gaining experience and insights at a pace unmatched by traditional organizations. If you’re ready to give it your all, grow exponentially, and make a tangible impact, this is the opportunity for you.

What You’ll Do

As a Credit Analyst at Aajil, you’ll be at the heart of our mission to enable growth for SMEs in the construction sector. Your responsibilities will include:
• Analyzing financial statements and creditworthiness of construction SMEs using advanced systems and fundamental analysis.
• Preparing risk reports with actionable insights that inform critical credit approval and rejection decisions.
• Collaborating with risk-management teams to ensure compliance with portfolio-diversification and risk-mitigation strategies.
• Designing credit policies and processes to enable high-frequency, scalable lending operations.
• Monitoring repayment trends and using data-analytics tools to flag high-risk accounts proactively.
• Working closely with engineering teams to refine and improve risk-assessment processes and systems.

What We’re Looking For

Senior Credit Analyst (7 + years)
• Proven experience in credit-risk or lending roles within financial institutions, with a focus on SME portfolios.
• Deep accounting knowledge and a track record of dissecting complex financial documents to drive credit decisions.
• Demonstrated leadership in shaping credit policies or models and mentoring junior analysts.
• Bachelor's degree in Finance, Economics, Accounting, or a related field.
• Proficiency in Excel (pivot tables, macros); familiarity with SQL for data querying is a plus.
• Strong understanding of credit-risk principles and SME financial analysis.
• Exceptional attention to detail with analytical and reporting skills to support high-stakes decisions.
• Fluency in English and Arabic, with the ability to communicate effectively in both languages.

Why Aajil?

• Exponential Learning: Accelerate your career with hands-on experience, challenging problems, and mentorship from industry leaders.
• Real Impact: Your work will directly shape the credit policies and risk models powering growth for SMEs.
• Innovative Culture: We move fast, think big, and reward those who bring their best every day.
• All Builders, All In: Everyone at Aajil is a hands-on contributor. We celebrate wins, tackle challenges, and grow together.

If you’re ready to work harder, learn faster, and build something extraordinary, we want you on our team.