Credit Risk Management Analyst

Aramco energizes the world economy.

Aramco occupies a special position in the global energy industry. We are one of the world's largest producers of hydrocarbon energy and chemicals, with among the lowest Upstream carbon intensities of any major producer.

With our significant investment in technology and infrastructure, we strive to maximize the value of the energy we produce for the world along with a commitment to enhance Aramco's value to society.

Headquartered in the Kingdom of Saudi Arabia, and with offices around the world, we combine market discipline with a generations' spanning view of the future, born of our nine decades experience as responsible stewards of the Kingdom's vast hydrocarbon resources. This responsibility has driven us to deliver significant societal and economic benefits to not just the Kingdom, but also to a vast number of communities, economies, and countries that rely on the vital and reliable energy that we supply.

We are one of the most profitable companies in the world, as well as amongst the top five global companies by market capitalization.

Overview

We are seeking a Credit Risk Analyst to join the credit team in its Credit & Market Analysis Division which is part of the Treasury organization. The main role of the division is to manage credit and market risks.

Your primary role will be to safeguard the company's assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company's credit risk policy and operating procedures.

Duties and Responsibilities

As a successful candidate, you will perform the following:

• Conduct credit evaluations of counterparties (financial and non-financial institutions).
• Carry out financial qualification of service providers for new projects.
• Conduct in-depth analysis of financial statements and employ the company's internal credit model to derive credit ratings.
• Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company's risk methodologies and systems.
• Maintain approved credit limits and ratings in credit database.
• Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks.
• Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure.
• Review policies, procedures, and align risk policies across the Group.
• Assist in the consolidation and preparation of reports for management.
• Complete assigned ad-hoc tasks as directed.
• Collaborate with other areas such as Operations, Sales, LAW, Contracting, among others

Minimum Requirements

As a successful candidate, you will have:

• A Bachelor's degree in finance, economics, accounting, or a related field. MBA or other advanced business degree is preferred.
• Professional certification such as FRM, ERP, CMA or CFA, are highly regarded.
• At least 10 years of relevant credit experience in energy, banking or financial risk management.
• Experience with implementation and application of credit risk models
• In-depth knowledge of qualitative and quantitative credit assessments
• Extensive experience analyzing financial statements
• Ability to meet tight deadlines to submit credit recommendations to management
• Advanced proficiency in Microsoft Excel including Excel models
• Possess excellent interpersonal and communication skills in order to succeed in this role

Work Location and Work Schedule

Work Location: Within Saudi Arabia - To be specified in Job offer

Work Schedule: Full Time - To be specified in Job offer

Job Post Duration

Job posting start date: 11/30/2025

Job posting end date: 12/31/2026

Working environment

Our high-performing employees are drawn by the challenging and rewarding professional, technical and industrial opportunities we offer, and are remunerated accordingly.

At Aramco, our people work on truly world-scale projects, supported by investment in capital and technology that is second to none. And because, as a global energy company, we are faced with addressing some of the world's biggest technical, logistical and environmental challenges, we invest heavily in talent development.

We have a proud history of educating and training our workforce over many decades. Employees at all levels are encouraged to improve their sector-specific knowledge and competencies through our workforce development programs - one of the largest in the world.

Country/Region: SA