Credit Analyst

About Us Backed by top regional and global VCs, BRKZ is Saudi Arabia’s fastest-growing construction-tech startup. Our web platform, mobile apps and WhatsApp channels give contractors instant access to 7,000+ building-material SKUs from 1,100+ vetted suppliers, with quotes in minutes and buy-now-pay-later financing built in. In just two years we have on-boarded 850+ contracting companies, supported giga-projects such as NEOM and King Salman Park, and scaled RFQs to $350 million while keeping positive unit economics. You can read more about BRKZ's latest news on Forbes, TechCrunch & Wamda. Position Overview: As a Credit Analyst, you will support the assessment, approval, and activation of customer credit facilities across BRKZ's portfolio. Working closely with the Credit Manager, you will analyze credit applications, perform verification and due diligence, and prepare well-supported credit recommendations in line with company policies. This role offers the opportunity to develop strong credit risk and underwriting skills while contributing to efficient, high-quality credit decisions. What You will do (Responsibilities) : • Assess the creditworthiness of customers using company information, credit bureau reports, alternative data, and AI-assisted scoring models to develop clear, well-supported credit recommendations. • Review and verify credit applications and supporting documentation, sourcing additional information from internal systems, public records, and approved third-party sources where required. • Recommend appropriate credit limits, payment terms, and risk mitigants in line with company policies and risk appetite. • Prepare credit recommendations for approval and monitor applications through to final decision. • Complete pre-activation verification checks, ensure all approval conditions and documentation requirements are met, and activate approved credit facilities. • Maintain accurate customer credit records and support periodic reviews of existing credit facilities. Who You are (Qualifications) : • Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field. • 1–3 years of experience in credit analysis, underwriting, commercial risk, or a similar analytical role; experience in construction, trade credit, or financial services is an advantage. • Strong analytical and problem-solving skills, with the ability to assess financial and non-financial information to support credit recommendations. • High attention to detail and accuracy when reviewing applications, documentation, and risk information. • Ability to work with reporting tools and AI-assisted credit scoring solutions. • Strong communication and organizational skills, with the ability to manage multiple applications and meet turnaround time targets. • Ability to work effectively in a fast-paced, high-growth environment. What we offer: • Excellent opportunity to be part of a start-up with a lot of responsibility and independence early on and where you will have an impact on the entire business. • The best idea wins; we are all ears when it comes to ways to do things better. • You’ll get to experience unique technology built to empower your experience in the company and help you better serve the customers. • Exciting stock options. • Attractive compensation package with access to Commission, Premium Health Insurance, Family Iqama Coverage. • Product first mindset. Check our guide on How to prepare for your interviews with BRKZ 🚚🏗️ Pls note : Certain positions eventual grading might be subject to interview performance, this allows great talent to shine regardless of years of experience and keeps a fair process based on how big of an impact you deliver in the organization.