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ZOOMLION MIDDLE EAST

<div>
 
 
 Job Title: Credit Analyst
 
 
 
 
 Location:
 
 Abu Dhabi, UAE (Reporting at Dubai office 1&ndash;2 days per week)
 
 
 
 Job Responsibilities:
 
 
 <ul>
 <li>
 Conduct site surveys and visit customers, including travel to other cities or countries, to investigate operations and project status; prepare detailed credit investigation reports.
 </li>
 <li>
 Develop and maintain third-party financial channels, survey third-party policies, and guide the Sales Department to carry out financing business effectively.
 </li>
 <li>
 Manage overdue accounts: follow up monthly with the Sales Department, urge collections, send emails, and visit customers with long overdue payments.
 </li>
 <li>
 Maintain relationships with law firms, visit regularly, and stay updated on legal knowledge.
 </li>
 <li>
 Investigate the construction machinery market, survey competitor sales policies, and prepare regular reports.
 </li>
 <li>
 Collaborate with the sales team, participate in equipment sales negotiations, and provide risk control recommendations.
 </li>
 </ul>
 
 
 Job Requirements:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree or above in Economics, Finance, Accounting, Management, or related fields; Master&rsquo;s/MBA preferred.
 </li>
 <li>
 Minimum 3 years of experience in financial institutions; experience in construction machinery industry preferred.
 </li>
 <li>
 Strong understanding of risk control investigations; proficient in writing credit reports.
 </li>
 <li>
 Strong skills in asset analysis, risk assessment, financial analysis, and negotiation.
 </li>
 <li>
 CFA, FRM, CPA, or other relevant qualifications preferred.
 </li>
 <li>
 Fluent in Arabic and English (or Chinese) for professional use.
 </li>
 <li>
 Familiar with local legal environment and corporate regulations.
 </li>
 <li>
 UAE Driving License is required; Arabic speakers preferred.
 </li>
 </ul>
 
 
 
 
 The salary package starts from AED 5,500.
 
 
 
</div>

Credit Analyst

Citi

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
Underwriting (UW) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi. 
Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio &amp; Industry Reviews and Stress Testing. 
In this role, you&rsquo;re expected to:<ul><li>
Assess the credit and financial strength of Citi&rsquo;s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.</li><li>
Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.</li><li>
Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.</li><li>
Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.</li><li>
Background on both Corporate and Financial Institutions&rsquo; risk analysis will be a plus.</li><li>
Advanced industry research capabilities, including risk and key drivers.</li><li>
Ability to identify potential risk issues that need escalation and escalates them promptly.</li></ul> 
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Underwriting Credit Risk Analyst - Officer

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
Underwriting (UW) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi.
Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio &amp; Industry Reviews and Stress Testing.
In this role, you&rsquo;re expected to:<ul><li>
Assess the credit and financial strength of Citi&rsquo;s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.</li><li>
Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.</li><li>
Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
3-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.</li><li>
Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.</li><li>
Background on both Corporate and Financial Institutions&rsquo; risk analysis will be a plus.</li><li>
Advanced industry research capabilities, including risk and key drivers.</li><li>
Ability to identify potential risk issues that need escalation and escalates them promptly.</li></ul> 
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Underwriting Credit Risk Analyst – Officer

<div>
 Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
 
 
 Underwriting (UW) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi.
 
 
 Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio &amp; Industry Reviews and Stress Testing.
 
 
 
 In this role, you&rsquo;re expected to
 
 
 :
 
 
 
 <ul>
 <li>
 Assess the credit and financial strength of Citi&rsquo;s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
 </li>
 <li>
 Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.
 </li>
 <li>
 Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.
 </li>
 <li>
 Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.
 
 
 </li>
 </ul>
 
 As a successful candidate, you&rsquo;d ideally have the following skills and exposure:
 
 
 
 <ul>
 <li>
 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
 </li>
 <li>
 Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.
 </li>
 <li>
 Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.
 </li>
 <li>
 Background on both Corporate and Financial Institutions&rsquo; risk analysis will be a plus.
 </li>
 <li>
 Advanced industry research capabilities, including risk and key drivers.
 </li>
 <li>
 Ability to identify potential risk issues that need escalation and escalates them promptly.
 
 
 </li>
 </ul>
 
 Education:
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s/University degree or equivalent experience
 
 
 </li>
 </ul>
 This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
 
 
 ------------------------------------------------------
 
 
 
 Job Family Group:
 
 
 
 Risk Management
 
 
 ------------------------------------------------------
 
 
 
 Job Family:
 
 
 
 Credit Risk
 
 
 ------------------------------------------------------
 
 
 
 Time Type:
 
 
 
 Full time
 
 
 ------------------------------------------------------
 
 
 
 Most Relevant Skills
 
 
 
 Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
 
 
 ------------------------------------------------------
 
 
 
 Other Relevant Skills
 
 
 
 For complementary skills, please see above and/or contact the recruiter.
 
 
 ------------------------------------------------------
 
 
 
 Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
 
 
 
 
 If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review
 
 
 Accessibility at Citi.
 
 
 
 
 View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.
 
</div>

Astra Tech

<div>
 
 
 
 Role Summary
 
 
 
 
 
 
 
 We are looking for a
 
 Business Analyst &ndash; Collections
 
 to drive data-led insights and strategies across our lending and collections functions. The role will focus on analyzing portfolio performance, identifying trends and risks, and developing actionable recommendations to improve recovery, reduce credit risk, and enhance operational efficiency. You will collaborate with cross-functional teams to translate data into strategy and support the design and optimization of collection processes.
 
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 <ul>
 <li>
 Analyze data across the credit lifecycle to identify trends, risks, and opportunities in collections performance.
 </li>
 <li>
 Develop and maintain dashboards, reports, and KPIs to monitor portfolio health and recovery effectiveness.
 </li>
 <li>
 Partner with stakeholders in Credit, Collections, Risk, and Operations to define business requirements and translate them into actionable insights.
 </li>
 <li>
 Support the design and implementation of collection strategies and delinquency management frameworks.
 </li>
 <li>
 Conduct root cause analyses of portfolio performance issues and recommend corrective measures.
 </li>
 <li>
 Leverage BI and analytics tools (SQL, Power BI, Tableau, etc.) to generate insights and automate reporting.
 </li>
 <li>
 Ensure adherence to internal policies, regulatory guidelines, and industry best practices.
 </li>
 </ul>
 
 
 
 
 
 
 Responsibilities
 
 
 
 
 
 
 <ul>
 <li>
 Proven experience as a
 
 Business Analyst
 
 within lending, credit, or collections functions.
 </li>
 <li>
 Strong understanding of the
 
 credit lifecycle
 
 , loan products, and collection processes.
 </li>
 <li>
 Hands-on expertise with
 
 BI and data analytics tools
 
 such as SQL, Power BI, and Tableau.
 </li>
 <li>
 Excellent analytical, problem-solving, and communication skills.
 </li>
 <li>
 Strong stakeholder management and collaboration abilities.
 </li>
 <li>
 Bachelor&rsquo;s degree in
 
 Business, Finance, Economics, or a related field
 
 .
 </li>
 <li>
 Experience in
 
 fintech, banking, or NBFC
 
 environments preferred.
 </li>
 <li>
 Familiarity with
 
 credit bureau data
 
 and regulatory frameworks is an advantage
 </li>
 </ul>
 
 
</div>

Business Analyst – Collections

First Abu Dhabi Bank

<div>Company Description 
Join the UAE&rsquo;s largest bank and one of the world&rsquo;s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting &amp; dynamic industry. 
Job Description 
ROLE PURPOSE:
The role is responsible for preparing, checking, and vetting of documentation relating to credit facilities and accurate detailing before lodging the same into the Bank&rsquo;s system. Further, he/she is responsible for ensuring the enforceability/authenticity of the security documents executed by the customers.
KEY ACCOUNTABILITIES
<ul><li>Reviewing / Signing in-house Bank standard Facility Offer Letter/ Term Loan Agreement, internal legal negotiated Facility Offer Letter/ Term Loan Agreement, security / support documentation in accordance with the credit approvals.</li><li>Ensuring all security / support documents lodged for in-house documentation have been properly executed and signatures are verified, and authenticities of the signatories are supported by resolution / POA.</li><li>Ensuring rectification of existing discrepancies / deficiencies in security documentation for facilities released under legacy records.</li><li>Ensuring approval from relevant authorities is held for deferral / waiver of incomplete documents.</li><li>Ensuring integrating accurate and timely internal reporting and regulatory reporting.</li><li>Checking documentation deficiency (expired / deferred documents) reports and following up for its timely submission / renewal.</li><li>Maintaining up to date collateral data in the Bank&rsquo;s system.</li><li>Verifying and confirming periodically at the renewal of credit lines, all required security / support documents are lodged in the Bank&rsquo;s system.</li><li>Ensuring all security documents are kept safe in the vaults and a checklist maintained in the file.</li><li>Authorizing security documents / collaterals in the Bank&rsquo;s system.</li><li>Reviewing / verifying approvals obtained for permanent release of collaterals, security documentation and ensuring there are no liabilities or outstanding and facilities are cancelled.</li><li>Supporting in creation/release/amendments of securities/mortgages/charges/registrations with local government authorities and free zone authorities in various Emirates as per Bank&rsquo;s POA holders.</li><li>Advising Credit Control Unit for release of credit lines in the Bank's system.</li></ul> 
Qualifications 
Knowledge &amp; Experience:<ul><li>Bachelor&rsquo;s degree in accounting / Finance. 6-8 years&rsquo; experience in Corporate Banking with at least 3 years&rsquo; experience in the Corporate CAD function.</li></ul>
Skills:<ul><li>Knowledge and use of banking software systems, basic PC skills and common MS applications like Excel and Word.</li><li>Good knowledge of English language (both written and spoken).</li><li>Good knowledge of Bank's financial system.</li><li>Very good knowledge of Banking Products / Corporate Credit Administration functions.</li><li>Good knowledge of U.A.E. legal environment &amp; Central Bank regulations.</li><li>Team worker, ability to work under pressure, fast learner, attention to details.</li></ul></div>

Manager- Documentation CMB & PL - AUH

<div>
 
 
 
 Role Summary:
 
 
 
 
 
 
 
 We are seeking a
 
 Lead Business Analyst
 
 to drive insights, strategy, and process optimization across our
 
 Pay Later and Cash Loan ecosystem
 
 . The ideal candidate will bring deep expertise in
 
 consumer lending models
 
 such as
 
 Buy Now Pay Later (BNPL)
 
 ,
 
 Send Now Pay Later (SNPL)
 
 , and
 
 Cash Now
 
 products with strong exposure to
 
 digital payments
 
 ,
 
 credit risk analytics
 
 , and
 
 collections optimization
 
 .
 
 
 You will play a key role in bridging data, product, and operations, defining metrics, building models, and enabling business growth through data-led decision-making.
 
 
 
 
 
 
 
 Key Responsibilities
 
 :
 
 
 
 
 
 <ul>
 <li>
 Lead business analysis across the
 
 lending and pay later lifecycle
 
 &mdash; from origination to repayment and collections.
 </li>
 <li>
 Translate data into actionable insights that improve
 
 portfolio performance
 
 ,
 
 conversion rates
 
 , and
 
 recovery outcomes
 
 .
 </li>
 <li>
 Partner with Product, Engineering, and Risk teams to design, launch, and optimize
 
 loan, SNPL, and overdraft features
 
 .
 </li>
 <li>
 Define KPIs and dashboards to monitor credit performance, user journeys, and transaction health.
 </li>
 <li>
 Develop business cases and recommend strategies to enhance
 
 credit approval
 
 ,
 
 limit assignment
 
 , and
 
 collections efficiency
 
 .
 </li>
 <li>
 Collaborate with external partners (wallets, payment gateways, and consumer platforms) for integration and data exchange.
 </li>
 <li>
 Identify risks, trends, and customer behavior patterns using data analytics and predictive modeling.
 </li>
 </ul>
 
 
 
 
 
 
 Key Requirements
 
 :
 
 
 
 
 
 <ul>
 <li>
 
 Bachelor&rsquo;s or Master&rsquo;s degree
 
 in Business, Data Analytics, Economics, or related field.
 </li>
 <li>
 
 5+ years of experience
 
 as a Business Analyst, ideally within
 
 BNPL, SNPL, Pay Later, or Digital Lending
 
 ecosystems.
 </li>
 <li>
 Strong understanding of
 
 consumer credit journeys
 
 ,
 
 risk scorecards
 
 , and
 
 collections analytics
 
 .
 </li>
 <li>
 Hands-on experience in building or managing
 
 BI dashboards (Power BI, Tableau, Looker)
 
 and
 
 SQL-based analytics
 
 .
 </li>
 <li>
 Proven experience collaborating with
 
 product, data, and fintech teams
 
 in agile environments.
 </li>
 <li>
 Exposure to
 
 on-demand or B2C platforms
 
 in fintech, mobility, or digital payments domains.
 </li>
 <li>
 Excellent analytical, communication, and stakeholder management skills.
 </li>
 </ul>
 
 
</div>

Lead Business Analyst – Lending & Pay Later Products

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