Saif Rabaia
Riyadh,Saudi Arabia / Jordan
Summary
Senior Credit Analyst with 14 years of experience in credit analysis and risk management for large corporations and SMEs in MEA. Expertise in enhancing credit assessment processes and increasing operational efficiency. Strong analytical skills and effective communication facilitate informed financial decision-making.
Overview
14
14
years of professional experience
16
16
years of post-secondary education
Work history
Senior associate, Credit controller & Collection
Publicis Groupe
Riyadh, Riyadh Region
04.2025 - 09.2025
- Managed high-risk accounts with a focus on minimising defaults and maximising recoveries.
and regulations.Managed high-risk accounts proactively to minimize default rates and maximize recovery efforts. - Analysed inancial data to support accurate risk assessments and decision-making.
- Performed comprehensive credit risk assessments, reducing potential losses significantly.
- Working closely with information providers and credit bureaus ( SIMAH,MCI QAWAEM , MC.GOV )
- Assisted in developing more reliable scoring system to assess applicant credibility better.
- Interpreted financial reports, identifying potential risks to business growth.
- Reviewed and improved upon existing credit policies to ensure compliance.
- Enhanced credit risk models by implementing innovative analytical techniques.
- Maintained up-to-date knowledge of market trends, improving risk predictions.
- Collaborated with internal teams to resolve credit issues and streamline processes.
- Delivered training sessions on updated policies and regulations; enhanced team understanding and compliance levels accordingly.
- Demonstrated sound judgement in recommending credits for approval or denial after thorough analysis.
- Coordinated with auditors during audits; ensured full disclosure and transparency in all dealings.
- Collaborated closely with internal teams for timely resolution of credit issues.
- Developed and enhanced credit policies to ensure compliance and improve efficiency.
- Presented detailed credit analysis reports to management team, aiding strategic decision making.
- Streamlined the credit approval process by implementing automated systems.
- Contributed towards improving the company's overall risk profile through informed decisions about customer creditworthiness.
- Managed business credit reports using relevant research, investigation methods and data to provide evidence for recommendations.
- Identified discrepancies and variances to reconcile credit files.
- Studied financial statements to determine ability of company to repay debts.
- Created and monitored KPIs across lifecycle for consistent development and improvement.
- Actioned credit requests from stakeholders, maintaining company credit exposure within frameworks.
- Developed new procedures for improved customer communication and debt recovery.
- Enhanced team efficiency with regular training and performance feedback.
- Facilitated monthly reports to management detailing collection efforts and outcomes.
- Conducted regular audits on systems and processes, enhancing operational efficiency.
- Optimized use of collection software to enhance tracking and reporting capabilities.
- Demonstrated sound judgement in resolving complex collection issues successfully.
- Liaised with other departments to discuss problematic accounts, devising suitable solutions.
- Established beneficial relationships with clients whilst negotiating payment terms.
- Reduced account delinquency by implementing effective collection strategies.
Senior credit risk specialist
Zoomlion International Middle East
Riyadh, Riyadh Region
04.2024 - 04.2025
- Reviewed individual or commercial customer files to identify and select high-risk issues, protected against bad debt losses.
- Identified problematic loans, mitigated potential losses.
- Fostered better client relationships with clear communication and financial advice.
- Prepared reports detailing degree of risk involved in extending credit or lending money, aided decision making processes.
- Tracked economic trends that might affect customers' ability to pay; provided foresight into potential risks.
- Kept abreast of industry developments to provide accurate investment advice.
- Analysed prospective clients' income, assets, debts to determine financial standing.
- Collaborated with internal teams reviewing policies, procedures ensuring alignment with regulatory requirements.
- Improved portfolio quality through rigorous due diligence on new customers' applications.
- Participated in negotiations involving problem loans; resolved complex situations successfully.
- Streamlined credit approval process by introducing risk analysis tools and techniques.
- Maintained confidentiality of sensitive customer information, ensured compliance with Data Protection Act.
- Conducted research on current and prospective clients' industries; provided valuable insights into market trends.
- Assessed applicants' credit data and financial statements for loan eligibility.
- Facilitated improved business performance with thorough competitor analysis.
- Updated client records with successful credit and loan applications.
- Evaluated client credit check outcomes to provide complete financial advice.
Senior credit analyst
Arab Company for Lab and Soil (ACES)
Khobar
05.2019 - 03.2024
- Managed credit portfolio, ensured regulatory compliance.
- Maintained up-to-date knowledge of relevant legal requirements and industry trends.
- Improved credit risk management processes by implementing advanced risk assessment tools.
- Ensured regulatory compliance with thorough portfolio reviews.
- Trained junior analysts, promoted team development and skills enhancement.
- Assessed potential risks associated with new business proposals for secure investments.
- Streamlined workflow processes, improved efficiency in operations.
- Developed underwriting standards to improve loan quality.
- Created comprehensive reports, enhanced decision-making process.
- Coordinated with sales department to manage customer expectations and strengthen relationships.
- Conducted detailed financial analysis for accurate credit assessment.
Credit controller
Schiller Medical Ltd
Amman
02.2016 - 04.2019
- Established clear credit control procedures for reduced non-payments,.
- Monitored customer accounts to maintain timely payments.
- Worked with business teams to identify issues affecting financial results and profitability.
- Maintained ledger activities by keeping close eye on transactions.
- Resolved escalated queries, fostered better client relationships.
- Streamlined debt collection procedures to shorten payment cycles.
- Collaborated closely with sales department for smooth transactions.
- Organized monthly reconciliations to ensure financial accuracy,.
- Handled complex invoice discrepancies, resolved effectively and promptly.
- Managed client relationships for enhanced communication strategies.
- Implemented software updates to increase productivity.
AR Reconciliation Specialist
ElSief Development - SPC
Riyadh
09.2014 - 01.2016
- Preparation & Reconciliation of assigned Month End Reports.
- Reviewed AR aging for compliance.
- Maintained customer records.
- Managed write-offs, bad debt provisions, and payment plans.
- Ensured weekly/monthly collections targets.
- Reviewed credit applications and references.
- Ensured creditworthiness.
- Carried out day-to-day duties accurately and efficiently.
- Successfully delivered on tasks within tight deadlines.
Junior Credit Controller & Collections
SRMG - Saudi Research and Marketing Group
Riyadh
01.2012 - 08.2014
- Strengthened relationships with clients by promptly responding to inquiries about credit control.
- Established strong working relationships with other departments enhancing overall operational efficiency.
- Reduced outstanding debt from long-term customers through effective negotiation tactics.
- Identified problematic accounts early through regular account reviews.
- Facilitated smooth functioning of the finance department by providing administrative support as needed.
- Assisted in setting up new customer accounts, aided business growth.
- Participated in internal audits contributing to transparency and compliance.
- Reviewed and updated customer contracts, ensured adherence to credit terms and limits.
- Improved accuracy in credit reporting with meticulous record keeping.
- Resolved account discrepancies for improved financial clarity.
Education
Bachelor of Business Administration - Finance and banking science
Al Ahliyya Amman university
Jordan - Al salt 02.2006 - 06.2011
Diploma - AML & CTF
ACAMS Association
Online Course UK 04.2001 - 04.2012
Skills
- Financial Analysis
- Data Analysis
- Risk Analysis
- Integrity and ethics
- Financial communication
- Credit risk assessment
- Research and analytical judgment
- Income statement analysis
- Collaborative approach
- Loan structuring
- Risk appetite statements
- Sensitivity analysis
- Debt recovery practices
- Loan review processes
- Cross-Selling capabilities
- Proficiency in erp systems
- Account reconciliation
- Regulatory compliance
- Report-writing
- Balance sheet analysis
- Ratio analysis
Languages
English
Proficient (C2)
Arabic
Proficient (C2)
Internship
Certified AML & CTF Specialist, ACAMS, 2014-01-01, 2014-04-01
Driving Licenses
Saudi & Jordanian valid license
Personal Information
- Title: Senior Credit Analyst / Credit Controller and Collection Supervisor / TWC Specialist
- Visa status: Resident ID
- Date of birth: 02 Aug 1987
- Nationality: Jordanian
- Marital status: Married
- Residence Permit: permanent residence
Timeline
Senior associate, Credit controller & Collection
Publicis Groupe
04.2025 - 09.2025
Senior credit risk specialist
Zoomlion International Middle East
04.2024 - 04.2025
Senior credit analyst
Arab Company for Lab and Soil (ACES)
05.2019 - 03.2024
Credit controller
Schiller Medical Ltd
02.2016 - 04.2019
AR Reconciliation Specialist
ElSief Development - SPC
09.2014 - 01.2016
Junior Credit Controller & Collections
SRMG - Saudi Research and Marketing Group
01.2012 - 08.2014
Bachelor of Business Administration - Finance and banking science
Al Ahliyya Amman university
02.2006 - 06.2011
Diploma - AML & CTF
ACAMS Association
04.2001 - 04.2012