Associate Credit Analyst (Emirati Talent)

Role Overview

Credit Analysis and Risk

• Support reviews of credit applications from prospective and existing customers.
• Analyse financial statements, credit reports, and other information to assess creditworthiness and risk exposure.
• Support credit risk evaluation and credit limit decisions under established policies.
• Use credit analysis and scoring methodologies under supervision to support approval recommendations.
• Ensure compliance with credit policies, credit terms, and governance requirements.
• Prepare credit analysis reports, risk assessments, and supporting documentation.

Accounts, Billing, and Collections

• Monitor customer accounts, conduct periodic credit reviews, and support credit limit amendments.
• Support invoice creation, processing, submission, customer portal uploads, and related documentation.
• Assist with customer onboarding, including master data creation, maintenance, and document collection.
• Support collections through follow-ups, invoice query resolution, and payment coordination.
• Maintain credit, invoicing, and compliance records, including invoice rejection and resubmission requirements.
• Prepare credit control, collections, and customer account reporting.

Continuous Improvement

• Identify opportunities to improve credit, billing, and collections processes and contribute to continuous improvement initiatives.
• Perform other credit analysis, billing, or collections-related duties as required.

Core Qualifications

• Good interpersonal skills for professional and tactful client engagement.
• Strong attention to detail and ability to produce high-quality work.
• Good verbal and written communication skills.
• Ability to meet deadlines and cope with stressful situations and different personalities.
• Ability to take initiative and use a solutions-oriented approach.
• Proactive approach and ability to think ahead in a fast-paced environment.
• Working knowledge of accounting practices and principles.
• Understanding of financial statements, credit analysis, and risk assessment methodologies.
• Understanding of accounts receivable, collections processes, and customer account management.
• Ability to work with customer portals, invoicing systems, and financial documentation.

Academic Qualifications and Experience

• A bachelor's degree or equivalent in Finance, Accounting, Economics, or a related field is preferred.
• Entry-level experience in credit analysis, accounts receivable, collections, finance operations, or a related finance role is preferred.
• Experience with financial systems, accounting software, or ERP platforms is advantageous.
• Exposure to invoicing, customer onboarding, collections, or credit control is beneficial.
• Basic experience with corporate customers in professional services, technology, or multinational environments is preferred.

Workplace Type

• The position is on-site.