Credit Officer Full Time

Join the Team at ABYAT – Your Gateway to Retail Excellence!

About us:

Are you ready to be part of the largest retail store in the Middle East? ABYAT, spanning an impressive 22,000 square meters and offering over 22,000 products, is your one-stop destination for all things home improvement and more. From elegant tiles and captivating wallpapers to state-of-the-art lighting solutions and stylish kitchen fixtures, we pride ourselves on offering a diverse array of top-quality products under one roof.

Established locally with a vision for excellence, ABYAT has been setting benchmarks since its inception in September 2005. With an unwavering focus on our customers, we’ve crafted an experience that revolves around their needs, from our meticulously designed store layouts to our unparalleled service offerings.

Expanding beyond our roots in Kuwait, ABYAT is now making waves in Saudi Arabia and setting our sights on Qatar and the UAE. As we continue to grow, we’re seeking passionate individuals to join our dynamic team and contribute to our journey of success.

Position: Credit Officer

Job Location: Kuwait City, Kuwait

Type: Full-time

Role Purpose:

As a Credit Officer, you will be responsible for supporting the credit application process by reviewing, verifying, and processing customer credit applications while ensuring compliance with company policies, regulatory requirements, and established service level agreements (SLAs). You will assist in credit risk assessment, maintain accurate records, and provide timely support to customers and internal stakeholders throughout the credit evaluation process.

Duties & Responsibilities:

• Review and process credit applications by verifying customer-provided documents and information.
• Verify customer information, including financial statements, identification, and references provided in credit applications.
• Ensure applications are processed accurately and within the set SLA timelines.
• Accurately input credit application data into the system and ensure records are up to date.
• Communicate with customers to clarify and validate submitted details as needed.
• Respond to customer inquiries regarding credit terms, limits, and account status.
• Conduct initial credit checks and assessments under the guidance of senior officers.
• Assist in assessing credit risks in accordance with company credit policies and guidelines.
• Support senior officers in recommending credit approvals, modifications, or rejections based on findings.
• Prepare reports on credit applications, approvals, rejections, and pipeline status for management review.
• Provide professional and timely communication to internal teams and external clients.
• Ensure all credit processing activities comply with company policies and regulatory requirements.

Qualifications & Requirements:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• 0–2 years of experience in credit processing, financial services, or a related role.
• Internship experience in credit, banking, or financing operations is an advantage.
• Basic knowledge of credit policies, financial documentation, and risk assessment.
• Familiarity with credit verification processes and financial documentation is a plus.
• Strong communication skills to interact effectively with customers and internal teams.
• Maintain confidentiality and accuracy in handling sensitive financial information.
• Ability to work under pressure while maintaining attention to detail.
• Proficiency in Microsoft Office Suite (Excel, Word, Outlook).
• Strong organizational and time management skills.

** We carefully review all applications; however, only candidates who meet the specified requirements will be contacted for further consideration. We sincerely appreciate your interest and understanding. **