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Credit Analyst/Manager

Abu Dhabi Permanent AED12,000 - AED20,000 per month (AED144,000 - AED240,000 per year) View Job Description
Assess SME credit applications, conduct detailed financial and cash flow analysis, and develop credit recommendations across working capital and receivables-backed financing solutions. Working closely with clients and internal stakeholders, you will exercise commercial judgement while contributing to the development of scalable credit policies and underwriting frameworks within a growing fintech business.
  • Join a high-growth fintech transforming SME finance across the UAE.
  • Shape credit strategy within a fast-growing lending platform.

About Our Client

Our client is a fast-growing financial services platform providing innovative working capital solutions to small and medium-sized enterprises across the UAE. Combining financial expertise with technology-driven processes, the business is focused on improving access to financing through efficient, transparent and data-led lending solutions.

Job Description

  • Assess SME credit applications, evaluating financial performance, cash flows, receivables and existing debt obligations.
  • Conduct detailed financial statement analysis to determine repayment capacity and assess creditworthiness.
  • Prepare comprehensive credit proposals, risk assessments and lending recommendations.
  • Evaluate financing requirements and structure appropriate solutions to support clients' working capital needs.
  • Assess invoice financing, receivables financing and other SME lending opportunities.
  • Engage directly with clients to understand their business models, financial position and financing requirements.
  • Monitor existing credit exposures, identify early warning indicators and recommend appropriate risk mitigation measures.
  • Support portfolio reviews, facility renewals and amendments, as well as new client assessments.
  • Contribute to the development and enhancement of credit policies, underwriting standards and risk frameworks.
  • Identify opportunities to improve credit processes through technology, automation and data-led assessment.
  • Support the continued development and expansion of the credit function.

The Successful Applicant

  • Bachelor's degree in finance, Accounting, Economics, Business or a related field.
  • 5-8 years of experience in credit analysis, underwriting or lending.
  • Experience within SME Banking, Business Banking, Commercial Banking or SME Lending.
  • Strong understanding of financial statement analysis, cash flow assessment and repayment capacity.
  • Proven experience preparing credit proposals and making lending recommendations.
  • Exposure to working capital facilities, invoice financing or receivables financing is advantageous.
  • Strong commercial judgement and decision-making capabilities.
  • Proactive and comfortable operating in a fast-paced, evolving environment.
  • Interest in fintech, digital transformation and process improvement.
  • UAE market experience is preferred.

What's on Offer

  • Opportunity to join an innovative, high-growth financial services business.
  • Exposure to technology-driven credit assessment and SME lending solutions.
  • Collaborative and entrepreneurial working environment.
  • Strong opportunities for professional growth and career progression.
  • Ability to contribute directly to business expansion and the development of the credit function.



Contact
Asma Siddiqui
Quote job ref
JN-102026-7116658

Job summary

Sector
Banking & Financial Services
Subsector
Credit Analysis & Research
Industry
Financial Services
Where
Abu Dhabi
Contract type
Permanent
Consultant name
Asma Siddiqui
Job reference
JN-102026-7116658