Associate Vice President - Credit

Associate Vice President — Credit

Enterprise Loans Platform - Yubi MENA

About the Role

Yubi is building the most intelligent debt financing infrastructure for the MENA region,connecting enterprise borrowers with a curated network of banking and institutional lenders through its proprietary Loans platform. As AVP – Credit, you will be the cornerstone of every credit decision that flows through Yubi's platform — the expert lens through which borrower quality is assessed, lender requirements are interpreted, and deals are brought to closure with precision.

This is a high-ownership, high-impact role combining rigorous analytical work with meaningful relationship stewardship across banks, customers, and internal teams.

Key Responsibilities

? Team Leadership — UAE & India

Lead, mentor, and develop a bi-locational team of credit analysts across the UAE and India. Set credit review standards, manage review quality and capacity, and build a high-performance credit culture aligned with Yubi's MENA growth objectives.

? First-Level Credit Review — Platform Deals

Act as the mandatory first gate for every enterprise loan application processed via Yubi Loans. Evaluate each credit profile using the Business Rules Engine (BRE) parameters defined by each partner lender, ensuring every application meets the credit bar before lender submission.

? CAM Memo Ownership & End-to-End Credit Assessment

Own the quality of Credit Appraisal Memoranda (CAMs) generated from Platform, Ensure comprehensive financial analysis, ratio interpretation, and business due diligence through to risk commentary and deal structuring rationale in CAM leveraging in-house AI tools. Ensure every CAM meets lender-specific requirements, quality standards, and regulatory expectations.

? Banking Partner Liaison

Serve as Yubi's primary credit interface with partner banks and financial institutions. Manage ongoing relationships with bank credit teams, navigate lender BRE nuances, respond to due diligence queries, and maintain deal velocity throughout the approval process. Conduct weekly cadence meetings with partner lenders.

? In-House Credit Counsel to Relationship Managers

Act as the go-to credit advisory resource for Yubi's RMs. Guide on deal structuring, identify red flags early, advise on optimal lender selection based on BRE fit, and empower customer-facing teams with credit intelligence before engaging lender counterparts. Conduct in-house product refresher trainings to Yubi RMs.

? Deal Execution & Disbursement Ownership

Own the deal lifecycle from sanction to disbursement — coordinating with legal, operations, compliance, and lender teams to ensure seamless, on-time closure. Be the single point of accountability for removing post-sanction bottlenecks and accelerating fund flows.

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  ️ Multi-Lender BRE Interpretation & Platform Credit Standards

Develop deep fluency in the credit policies and BRE frameworks of all Yubi partner lenders. Translate diverse lender requirements into actionable underwriting checklists. Continuously refine internal assessment frameworks to improve conversion rates, reduce TAT, and minimise post-submission rejections. Initiate new platform enhancements and execute jointly with Product team to scale deal throughput, sustain seamless user experience and high platform adoption levels.

What We're Looking For

Essential Qualifications

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  8–14 years of credit underwriting experience in commercial and corporate banking in UAE, with at least 3 years in a senior or team-lead role.

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  Demonstrable expertise in SME, Commercial and Corporate credit products across term loans, working capital, trade finance, and structured debt.

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  Strong track record of CAM preparation and presenting to credit committees in a bank, NBFC, or fintech lending environment.

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  Prior experience working within a UAE / GCC banking institution or as a key lender-relationship owner in the region.

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  Degree in Finance, Accounting, Economics, or related field; CA / CFA / MBA (Finance) strongly preferred.

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  Comfort managing bi-locational teams across time zones (India + UAE).

Preferred Attributes

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  Prior exposure to fintech lending platforms, marketplaces, or debt distribution businesses.

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  Experience interpreting and applying multi-lender BRE / credit policy frameworks in a platform or marketplace context.

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  Familiarity with CBUAE / Central Bank of UAE credit regulations and documentation standards.

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  Ability to translate complex credit findings into clear, actionable narratives for non-credit audiences.

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  Proven ability to manage deal pipelines under pressure while maintaining underwriting rigour.

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  Entrepreneurial mindset — comfortable operating in a high-growth, ambiguous environment where processes are still being built.

Core Competencies needed for success in this role

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  Credit Underwriting

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  CAM Preparation

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  Deal Execution

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  BRE Interpretation

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  Financial Statement Analysis

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  Bank Relationship Mgmt

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  Team Leadership & Mentoring

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  Lender Due Diligence, Disbursement & Ops

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  Risk Assessment

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  Credit Policy Design

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  UAE / GCC Banking Norms

You also get

Regional Platform Ownership — build and shape the credit function for Yubi's MENA expansion, one of the most consequential fintech platforms entering the region's debt market.

High-Impact Role at Scale — every deal you review flows through Yubi Loans; your decisions directly influence borrower access to capital and lender relationships.

Exceptional Network Access — regular engagement with C-suite borrowers and senior credit decision-makers at the UAE's leading banks and institutional lenders.