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senior financial analyst

corporate credit analyst

Bank of Bahrain & Kuwait

<div>
 
 
 Job Purpose:
 
 To provide efficient and quality support to managers in determining the financial conditions of existing/ prospect borrowers.
 
 
 
 
 
 Job Responsibilities:
 
 
 - Spreading financial statements and prepare comprehensive financial analysis including &amp; not limited to SWOT financial analysis identifying strengths, weaknesses, opportunities and threats.
 
 
 - Analyze credit and financial information of current and potential Commercial Banking business customers ranging from simple to very complex in nature.
 
 
 - Quality check financial statement spreads for accuracy to enable informed credit decisions to be made.
 
 
 - Join the manager on selective basis in calling on clients and prepare call report.
 
 
 - Read daily and periodical business related press to be in constant update with latest business development.
 
 
 - Organize accounts review dates in co-ordination with relationship officers and setting up priorities for existing and setting up priorities deals.
 
 
 - Maintain computerized versions in an efficient and retrievable manner.
 
 
 - To be familiar with the bank credit policy and to be aware of amendments to this policy.
 
 
 - Adhere strictly to compliance and operational risk controls in accordance with the bank and regulatory standards, policies and practices; report control weaknesses, compliance breaches and operational loss events.
 
 
 - Attends and participates in both in-house and outside training sessions to maintain awareness of overall bank products and/or technologies to increase the skills level.
 
 
 - Research and assist with the preparation of credit application.
 
 
 
</div>

Corporate Credit Analyst

KAPICO Group Holding Co.

Job Description As a Billing and Accounts Receivable Specialist at our travel company, you will play a crucial role in managing financial transactions, billing, and accounts receivable related to travel services. Your responsibilities will include generating invoices, processing payments, tracking cancellations and refunds, and ensuring timely collections. You will also handle customer inquiries and billing-related issues in a professional and efficient manner.Role &amp; Responsibilities1. Billing and Invoicing:&middot; Generate accurate invoices for travel services provided to corporate clients, retail customers, and travel agencies.&middot; Ensure invoices are sent to clients in a timely manner.2. Accounts Receivable Management:&middot; Monitor accounts receivable, track outstanding payments, and reconcile customer accounts.&middot; Send regular statements to clients detailing their outstanding balances and payment due dates.3. Cancellations and Refunds:&middot; Track and process customer cancellations, modifications, and refund requests for travel bookings.&middot; Generate credit notes or adjustments for canceled bookings and billing errors.4. Payment Processing:&middot; Process incoming payments accurately and in compliance with company policies.&middot; Record financial transactions promptly and maintain organized records.5. Customer Communication:&middot; Provide excellent customer service by addressing billing inquiries, payment reminders, and resolving payment disputes professionally.6. Financial Recordkeeping:&middot; Maintain organized and accurate records of all financial transactions, invoices, and credit notes.&middot; Ensure that records are compliant with tax regulations and financial standards.7. Compliance and Reporting:&middot; Ensure compliance with relevant tax regulations, invoicing laws, and company billing policies.&middot; Generate reports on accounts receivable status, outstanding payments, and billing trends for management review.8. Problem-Solving:&middot; Investigate and resolve billing discrepancies, disputes, and issues with customers or internal departments.&middot; Collaborate with internal teams to rectify errors promptly.9. Collaboration:&middot; Work closely with the sales, customer service, and finance teams to streamline billing processes and enhance customer satisfaction.10. Continuous Improvement:&middot; Identify opportunities for process improvements in billing and accounts receivable functions for increased efficiency and accuracy.Qualifications:&middot; Bachelor's degree in finance, accounting, business administration, or related field (or equivalent work experience).&middot; Strong understanding of accounting principles and practices.&middot; Proficiency in billing and accounting software systems (e.g., QuickBooks, SAP, Oracle).&middot; Excellent attention to detail, communication skills, and customer service abilities.&middot; Previous experience in billing, accounts receivable, or a similar financial role.&middot; Strong organizational and time management skills.&middot; Ability to work in a fast-paced, dynamic environment.&middot; Ethical standards and confidentiality in handling financial information.Job Type: Full-timePay: KD275.000 - KD300.000 per monthExperience:<ul><li>Accounting: 2 years (Preferred)</li></ul>

Billing Executive

Procapita Group

<div>
 
 We are seeking a high-caliber, execution-focused
 
 Financial Analyst
 
 to join the CFO Office of a Middle East&ndash;based Family Office. This role provides direct exposure to senior leadership and is ideal for a hands-on professional seeking broader portfolio exposure and long-term capital perspectives.
 
 
 
 
 
 
 
 Roles &amp; Responsibilities:
 
 
 
 
 
 Portfolio Performance &amp; Reporting
 
 
 <ul>
 <li>
 Evaluate and monitor the financial and operating performance of portfolio companies periodically (monthly/quarterly/annual).
 </li>
 <li>
 Develop standardized dashboards, KPIs, and analytical frameworks across strategic and operating investments.
 </li>
 <li>
 Prepare portfolio performance materials for internal management and Board presentations.
 </li>
 <li>
 Track budget vs actuals, variances, cash flow, returns, and key value drivers across the portfolio spectrum
 </li>
 </ul>
 
 
 Financial Modeling &amp; Analysis
 
 
 <ul>
 <li>
 Perform strategic and financial analysis to support capital allocation and investment decisions at the Family Office level
 </li>
 <li>
 Build and maintain detailed financial models, including three-statement models, DCF, trading and transaction comparable, IRR/NPV, and scenario/sensitivity analysis.
 </li>
 <li>
 Support valuation exercises for new investments, follow-on investments, exits, and internal reviews.
 </li>
 </ul>
 
 
 Corporate Finance &amp; Transaction Support
 
 
 <ul>
 <li>
 Support the CFO and investment leadership on corporate finance activities such as Family Office&ndash;led acquisitions, minority investments, portfolio divestments, and monetization
 </li>
 <li>
 Prepare transaction-related financial analysis, investment memoranda, management presentations, and Investment Committee materials.
 </li>
 <li>
 Support in financial and commercial due diligence, along with external advisors
 </li>
 <li>
 Assist in evaluating transaction structures, returns, risks, and strategic fit from a family office perspective.
 </li>
 <li>
 Deliver investment reports, memos, and presentations to support committee decision-making.
 </li>
 </ul>
 
 
 Planning, Budgeting &amp; Forecasting
 
 
 <ul>
 <li>
 Support annual budgeting, rolling forecasts, cash flow projections, &amp; forecastng and long-term financial planning for the Family Office
 </li>
 <li>
 Assist with consolidated financial planning, liquidity management, and scenario modeling across the overall portfolio.
 </li>
 <li>
 Monitor actual performance against budgets and forecasts, highlighting key variances and drivers to the CFO.
 </li>
 </ul>
 
 
 Stakeholder &amp; Process Support
 
 
 <ul>
 <li>
 Act as a key analytical partner to the CFO and senior leadership team.
 </li>
 <li>
 Serve as the central finance liaison between the Family Office and portfolio companies for performance reporting and information flow.
 </li>
 <li>
 Support enhancement of Family Office portfolio financial reporting, governance frameworks, analytical tools, and internal processes.
 </li>
 <li>
 Leverage AI and financial platforms to improve efficiency, insight generation, and reporting quality.
 </li>
 </ul>
 
 
 
 
 
 
 Qualifications &amp; Experience:
 
 
 
 <ul>
 <li>
 A
 
 Master&rsquo;s degree
 
 in Finance, Accounting, Economics, or Business Administration, or a
 
 Bachelor&rsquo;s degree
 
 combined with a professional certification such as
 
 CA, ACCA, or CFA
 
 (completed or near completion).
 </li>
 <li>
 Minimum
 
 6&ndash;8 years
 
 of post-qualification experience in Corporate Finance, Investment Banking, Private Equity (Portfolio/Value Creation), or Big 4 Transaction Advisory.
 </li>
 <li>
 Experience in at least three of the following:
 
 Automobiles, Consumer/QSR, Healthcare, Education, or Real Estate
 
 .
 </li>
 <li>
 Prior Middle East experience or Family Office exposure is preferred.
 </li>
 </ul>
 
 
 
 
 
 
 Technical Skills &amp; Competencies:
 
 
 
 <ul>
 <li>
 
 Advanced Modeling:
 
 Expert-level Excel skills, including scenario and sensitivity analysis.
 </li>
 <li>
 
 Reporting:
 
 Strong ability to convert data into actionable insights for Board-level presentations.
 </li>
 <li>
 
 Platforms:
 
 Proficiency in
 
 Bloomberg, Thomson Reuters, or FactSet
 
 .
 </li>
 <li>
 
 Innovation:
 
 Ability to leverage
 
 AI tools
 
 to improve efficiency and insight generation.
 </li>
 </ul>
 
 
</div>

Financial Analyst

ACIES

About AciesAcies is multi-national firm in the business of consulting, technology applications, content management, and strategic investments. The firm has and continues to partner with leading players in the financial services and technology ecosystem with the objective of achieving tangible positive outcomes by solving complex challenges using new age technologies and practices. The firm also enters into strategic alliances through investments and partnerships with leading and upcoming global technology players that seek to address infrastructural complexities in the financial and technology marketplace through the use of new-age technologies and approaches.Acies is headquartered in Mumbai, India and has offices in Singapore and Malaysia and is expanding its global presence in other countries in the Asia Pacific, Middle East, and Africa.The firm is seeking to engage highly motivated and talented people to support our growth and continue to deliver a positive impact to our clients and ecosystem. We are looking for people whose integrity and excellence can help propel the firm to greater heights.The firm provides exceptional and equal opportunity for all applicants and employees without regard to race, religion, creed, color, national origin, gender, sexual orientation, age, marital status, physical or mental disability. We believe that our people should share in the success of our clients and our business.For more information about the firm and its business, please visit www.acies.holdingsACIES, Acies Consulting, Acies TechWorks, Acies Ventures, Acies LightHouse, Kepler, Kore, and Antares are registered trademarks of Acies Consulting LLP and its subsidiaries in India and/ or other countries.Risk manager - Retail banking portfolio of the Bank (Six-Month Contract - Onsite at Kuwait)Six months&rsquo; initial contract with possibility of extension / full time conversion based on organization&rsquo;s needs. Position is on site at Kuwait for one of Acies's clients.Position SummaryDeveloping, implementing, and monitoring credit policies for consumer products (loans, credit cards). Responsibilities include analyzing portfolios to mitigate risks, utilizing IFRS9 models, overseeing collections, and ensuring compliance with Central Bank of Kuwait regulations.Principal Duties and Responsibilities<ul><li>Policy Development: Review and establish retail credit policies, procedures, and risk strategies to align with bank goals and regulatory requirements.</li><li>Risk Analytics &amp; Modelling: Develop, validate, and manage retail IFRS9 models for credit risk, including portfolio monitoring and stress testing.</li><li>Portfolio Management: Analyze consumer banking portfolios (mortgages, personal loans, cards) to identify trends, potential risks, and areas for mitigation.</li><li>Collections Strategy: Create and optimize, collections strategies to improve recovery rates, utilizing appropriate systems and staff resources.</li><li>Compliance &amp; Reporting: Ensure all activities adhere to regulatory guidelines and internal risk policies; prepare reports for management.</li></ul>Required Qualifications / Skills<ul><li>Education: Bachelor&rsquo;s or Master&rsquo;s degree in Finance, Risk Management, Economics, or related fields.</li><li>Experience: Proven experience in retail risk management, preferably within the GCC banking sector.</li><li>Technical Skills: Strong analytical skills, proficiency in SAS or SQL for data analysis, and familiarity with IFRS 9.</li><li>Regulatory Knowledge: Deep understanding of risk frameworks and regulations, particularly those set by the Central Bank of Kuwait.</li><li>Communication: Excellent English communication skills; Arabic is often preferred</li></ul>Preferred Experience<ul><li>Minimum of six (4) to eight (6) years of demonstrable, hands-on experience as a Risk manager for the Retail banking segments of Middle Eastern banks / Banks in Kuwait</li><li>Strong knowledge of Retail Risk Credit Policies &amp; Procedures with experience in the implementation and monitoring of the effectiveness of the policy</li><li>Strong process orientation and should contribute to the improvement of retail risk process efficiency</li><li>Strong understanding of portfolio level risk analytics</li><li>Ability to provide a coherent risk view to the senior management</li><li>Strong statistical &amp; modelling skills</li><li>Ability to understand the implications of modelling assumptions</li><li>Strong analytical skills, communication skills, knowledge of retail banking principles, knowledge of Basel and credit systems</li></ul>Job Types: Full-time, Contract Contract length: 6 monthsPay: KD7,000.000 - KD10,000.000 per yearAbility to commute/relocate:<ul><li>Kuwait City: Reliably commute or planning to relocate before starting work (Required)</li></ul>Experience:<ul><li>Retail banking risk mgmt.: 4 years (Required)</li></ul>Language:<ul><li>English (Required)</li></ul>Location:<ul><li>Kuwait City (Preferred)</li></ul>

Risk manager - Retail banking

PayTech Group

<div>
 
 Job Title:
 
 Cards Product Manager
 
 
 
 Term:
 
 12 months
 
 
 
 Location:
 
 Kuwait
 
 
 
 Division:
 
 Cards Issuing
 
 
 
 Reports to:
 
 Head of Cards
 
 
 
 Relevant experience:
 
 5 &ndash; 8 years in cards product management, preferably new product launches and customer acquisition strategy
 
 
 
 Mandatory requirements:
 
 
 
 <ul>
 <li>
 Cards product management experience,
 </li>
 <li>
 Understanding of card business and portfolio management
 </li>
 <li>
 Immediate availability
 </li>
 <li>
 English &amp; Arabic language (Preferred)
 
 
 
 </li>
 </ul>
 
 PURPOSE OF THE PROJECT
 
 
 
 Support the Head of Cards of a leading bank in Kuwait. Develop and implement product strategies and initiatives to meet the needs of the client. The ideal candidate is to have deep understanding of the cards systems, strong analytical skills, and the ability to drive business results through effective program management.
 
 
 Key Activities
 
 
 
 Core Responsibilities And Accountabilities
 
 
 
 <ul>
 <li>
 Develop and execute growth strategies to expand the credit card business. Identify and pursue new market opportunities and partnerships to increase market share. Implement marketing and promotional campaigns to attract new clients and increase card usage.
 </li>
 <li>
 Analyze the performance of the credit card portfolio, including profitability, utilization, and customer satisfaction. Identify trends, opportunities, and risks within the portfolio and develop strategies to address them.
 </li>
 <li>
 Monitor key KPIs &ndash; card activation, usage/spend uplift, attrition, complaint rate, call center volumes, digital adoption. Conduct regulatory, data, and customer‑impact assessments.
 </li>
 <li>
 Assist in customer communications and marketing campaigns.
 </li>
 <li>
 Liaise with multiple internal and external stakeholders - Product, Technology, Operations, Marketing, Compliance, and third-party vendors to deliver a robust Cards ramp up strategy.
 </li>
 <li>
 Oversee the implementation and monitoring of loyalty program to ensure its effectiveness and alignment to customer needs and business goals.
 </li>
 <li>
 Oversee technical readiness across issuing platforms (BIN configuration, card profiles, tokenization &amp; digital wallets, recurring payments, authorizations/clearing, 3DS/ACS, fraud controls)
 </li>
 <li>
 Oversee operational readiness (card production, personalization, dispatch, courier SLAs).
 
 
 
 </li>
 </ul>
 
 Knowledge And Experience
 
 
 
 <ul>
 <li>
 5+ years of experience in cards product management, with a proven track record of driving business growth and achieving targets.
 </li>
 <li>
 Excellent analytical and problem-solving abilities, with a data-driven approach to decision-making.
 </li>
 <li>
 In-depth knowledge of the cards market, industry trends, and regulatory environment.
 </li>
 <li>
 Experience in developing and launching new card products, including credit, debit, and prepaid cards.
 </li>
 <li>
 Strong communication, leadership and stakeholder management skills, with the ability to build strong relationships with internal and external stakeholders.
 
 
 
 </li>
 </ul>
 
 Mandatory Skills**
 
 
 
 <ul>
 <li>
 Experience in card issuing business, card management and payment processing systems.
 </li>
 <li>
 Proven track record in managing large-scale, complex card upgrade or migration projects.
 </li>
 <li>
 Experience with card‑scheme requirements, data privacy, program governance, and regulatory frameworks (Kuwait preferred).
 </li>
 <li>
 Understanding modern payment technologies, mobile wallets, fraud &amp; risk and API integrations.
 </li>
 <li>
 Proficiency in data analysis and portfolio management tools, excel, and tableau.
 </li>
 <li>
 Language: fluent in English, Arabic optional.
 
 </li>
 </ul>
</div>

Cards Product Manager

<div>
 
 
 Role Objective:
 
 
 
 
 
 
 The IT Planning Senior Analyst supports the IT Planning function by coordinating, consolidating, and validating planning portfolio, and financial data across ITD. The role operates with moderate autonomy and ensures that planning inputs are complete, accurate, and ready for escalation to the Principal Analyst and IT Planning Head. The role is a senior individual contributor, focused on execution quality and control, not decision-making.
 
 
 
 
 
 
 Detailed Duties and Responsibilities:
 
 
 
 
 
 
 
 Demand &amp; Portfolio Planning
 
 
 
 
 
 <ul>
 <li>
 Coordinate collection of IT demand data (Projects, Change Requests (CRs), technical initiatives) from ITD units.
 </li>
 <li>
 Consolidate demand inputs into approved planning trackers and templates.
 </li>
 <li>
 Perform initial checks on completeness, consistency, and readiness of submissions before escalation.
 </li>
 </ul>
 
 
 
 
 
 Financial Portfolio Support
 
 
 
 
 
 <ul>
 <li>
 Support updating of portfolio financial health trackers using data provided by the IT Budgeting &amp; Control Unit.
 </li>
 <li>
 Highlight inconsistencies or missing data for review. Note: This role supports financials visibility and tracking only and does not approve budgets or expenditures.
 </li>
 </ul>
 
 
 
 
 
 Governance &amp; Planning Coordination
 
 
 
 
 
 <ul>
 <li>
 Support preparation of Enterprise Technology Committee (ETSC) and ITD governance materials.
 </li>
 <li>
 Maintain planning action logs and follow up on assigned actions.
 </li>
 <li>
 Ensure planning artifacts re accurate, up to date, and version controlled.
 </li>
 </ul>
 
 
 
 
 
 Dashboard Monitoring Support
 
 
 
 
 
 <ul>
 <li>
 Support preparation of monthly ITD dashboards by consolidating and validating inputs.
 </li>
 <li>
 Maintain portfolio health trackers, including demand, capacity, and financial indicators.
 </li>
 <li>
 Support variance analysis and ensure data accuracy before escalation.
 </li>
 </ul>
 
 
 
 
 
 Documentation &amp; Control
 
 
 
 
 
 <ul>
 <li>
 Maintain structured repositories for planning frameworks, trackers, and governance records.
 </li>
 <li>
 Ensure documentation supports audit, compliance, and internal control requirements.
 </li>
 <li>
 Apply approved standards and templates consistently.
 </li>
 </ul>
 
 
 
 
 
 ITD Performance Management &amp; KPI Governance
 
 
 
 
 
 <ul>
 <li>
 Support collection and consolidation of KPI data from ITD units.
 </li>
 <li>
 Maintain KPI trackers and historical performance records.
 </li>
 <li>
 Support preparation of KPI summaries and variance analysis.
 </li>
 </ul>
 
 
 
 
 
 ITD Capability &amp; Skillset Planning
 
 
 
 
 
 <ul>
 <li>
 Support data updates related to ITD skillsets and capability tracking.
 </li>
 <li>
 Maintain documentation and assessment records.
 </li>
 </ul>
 
 
 
 
 
 Educational Qualifications
 
 :
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s Degree in Information Technology, Engineering or related discipline.
 </li>
 <li>
 Professional certifications (ITIL, COBIT, TOGAF) preferred.
 </li>
 </ul>
 
 
 
 
 
 Experience
 
 :
 
 
 
 
 <ul>
 <li>
 3 &ndash; 5 years experience in IT Planning, PMO, reporting, governance, or similar roles.
 </li>
 <li>
 Experience in banking or regulated environments is an advantage.
 </li>
 </ul>
 
 
 
 
 
 Behavioral Competencies:
 
 
 
 
 
 <ul>
 <li>
 Strong coordination and follow-up discipline.
 </li>
 <li>
 High attention to detail and data accuracy.
 </li>
 <li>
 Structured, methodical working style.
 </li>
 <li>
 Clear and professional communication.
 </li>
 <li>
 High integrity and confidentiality awareness.
 </li>
 </ul>
 
 
 
 
 
 Technical Skills:
 
 
 
 
 
 
 Proficiency in MS Excel, PowerPoint, and documentation tools.
 
 
 
</div>

IT Planning Sr. Analyst

Alghanim Industries

<div>
 Job description:
 
 
 
 &nbsp;
 
 Job Responsibilities
 <ul>
 <li>
 Assist in the development of monthly priorities sheet for Key Accounts team and organizes monthly sector meetings
 </li>
 <li>
 Assist the sales team in identifying and pursuing new business opportunities, through the expansion of customer base, width and breadth
 </li>
 <li>
 Prepare and conduct quarterly business reviews with all Key Accounts
 </li>
 <li>
 Report market and competitive activities and ensure to have the best in market excellence execution
 </li>
 <li>
 Review and analyze sales achievements by customer, salesman and agency.
 </li>
 <li>
 Review sales priorities and make promo allocation by customer
 </li>
 <li>
 Spend 75% of his/her time in market
 </li>
 <li>
 Ensure that the sales team are equipped, trained and motivated to achieve their sales objectives
 </li>
 <li>
 Ensure collection and credit facilities of all accounts adhere to the companies policies
 </li>
 </ul>
 Candidate Requirements
 <ul>
 <li>
 Fluent in both English and Arabic
 </li>
 <li>
 Strong communication skills
 </li>
 <li>
 Team player and result oriented
 </li>
 <li>
 Creative thinker, strong negotiation and problem solving skills
 </li>
 <li>
 Strong personality, self - confident and has high leadership potential qualities
 </li>
 <li>
 Proficient in operating MS Office applications
 </li>
 </ul>
 Education Bachelor&rsquo;s Degree in Business Administration or Marketing
 
 
 Profile description:
 
 
 
 The Sales Key Account Executive focuses upon the achievement of sales, distribution, display and sales activation to maximize business growth opportunities.
 
</div>

Key Accounts Executive

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