accountant

senior accountant

account manager

general accountant

business analyst

credit analyst

BankByChoice

Credit Analyst &ndash; SME Lending &amp; OperationsWe are seeking a detail-oriented and analytical Credit Analyst &ndash; SME Lending &amp; Operations to support end-to-end SME financing processes within a dynamic fintech environment. This role combines credit underwriting responsibilities with operational execution, ensuring efficient loan processing, accurate risk assessment, and seamless disbursement and servicing of SME loans in line with internal policies.Key Responsibilities - Credit Analysis &amp; Underwriting<ul><li>Review and assess SME loan applications</li><li>Perform detailed credit analysis and underwriting</li><li>Analyze financial statements, bank statements, and cash flows</li><li>Evaluate creditworthiness, risk levels, and repayment capacity</li><li>Approve or decline loan applications within assigned authority</li><li>Prepare credit notes and maintain proper credit documentation</li><li>Ensure compliance with internal credit policies and risk guidelines</li></ul>Loan Operations &amp; Processing<ul><li>Process approved SME loan disbursals</li><li>Manage loan documentation, verification, and onboarding</li><li>Maintain accurate loan records and operational data</li><li>Monitor loan processing workflows to ensure timely execution</li><li>Handle post-disbursement activities and loan servicing support</li><li>Assist in operational reporting and portfolio tracking</li></ul>Coordination &amp; Compliance<ul><li>Coordinate with credit, sales, and finance teams for smooth loan processing</li><li>Ensure adherence to internal operational procedures and policies</li><li>Support audits and compliance checks related to SME lending operations</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, Economics, or related field</li><li>2&ndash;5 years of experience in SME lending, credit analysis, or loan operations</li><li>Strong knowledge of financial statement analysis and credit underwriting</li><li>Familiarity with loan processing, documentation, and disbursement procedures</li><li>Excellent analytical, organizational, and decision-making skills</li><li>High attention to detail and accuracy</li><li>Proficiency in Microsoft Excel and financial/operational systems</li></ul>What We Offer<ul><li>Competitive salary</li><li>Performance-based incentives</li><li>Career growth opportunities within a fast-growing fintech environment</li><li>Exposure to SME lending and credit underwriting</li><li>Paid annual leave and comprehensive company benefits</li></ul>Job Types: Full-time, PermanentWork Location: In person

Credit Analyst – SME Lending & Operations

Mizuho Bank

<div>Profile Summary 


We are looking for an Analyst to join our C&amp;IB Coverage and Regional Management Team. 


Duties and Responsibilities 

<ul>
<li>Provide assistance to RMs and Associates in the team for business development including marketing and planning.</li>
<li>Support with origination focused workflows, specifically to client and sector research, production of high quality specific /general pitch materials, modelling related to quasi M&amp;A/complicated structured deals, and creation of business strategy.</li>
<li>Help the department to hit profit target by working closely with and supporting dedicated primary RMs, Associates, and senior team members.</li>
<li>Primary purpose/responsibility are including;
<ul><li>Contributing to deal origination focused workflows including creation of account plan/new idea for specific names based on client/industry research, negotiation with client.</li>
<li>Production of high quality marketing materials for specific clients and cross product pitch materials including response to RFPs which differentiate Mizuho from its competitors.</li>
<li>Build and maintain financial Models of quasi M&amp;A and complex structured deals</li>
<li>Coordinate with global and regional product teams to gather inputs, align deliverables, and ensure timely execution of pitches and client requests.</li>
<li>Prepare sector updates, industry analysis, and market commentary to support client strategy and internal discussions.</li>
<li>Work closely with credit analysts by preparing initial credit analysis, supporting credit submissions, and maintaining ongoing client monitoring materials.</li>
<li>Engagement with planning of midterm country business strategy including EXP management plan and creation of internal presentation materials</li>
<li>Ensure full adherence to internal policies, regulatory requirements, and documentation standards across all workstreams.</li>
<li>Maintain strong awareness of compliance obligations and risk considerations in all client- and market related activities.</li>
<li>Provide ad‑hoc research, analysis, and administrative support as requested by RMs, Associates, and senior team members.</li></ul></li> 
</ul>
Qualifications, Skills, and Experience 

<ul>
<li>Bachelor&rsquo;s Degree or equivalent
</li><li>Great organisational and time management skills</li>
<li>Excellent communication skills</li>
<li>Strong numerical and analytical skills</li>
<li>Customer-centric career experience</li>
<li>Demonstrable ability to innovate, support change and problem solve</li>
<li>Collaborative nature to contribute to a successful team performance</li>
<li>Sound knowledge of the Banking Industry</li>
<li>High level of computer literacy and skills in data manipulation / presentation</li>
<li>Language skills are an asset, but not essential</li></ul> 


At Mizuho we are committed to supporting equality, diversity and equality, and seek to create a workplace that is fully inclusive. We welcome applications from all sections of the community that we operate in and from all ethnic backgrounds, sexual orientation, beliefs, gender identities and disabilities. 


If you require more information about our equal opportunities policy or wish to discuss any accessibility requirements or reasonable adjustments please contact the recruitment team &ndash; recruitment@mizuhoemea.com and we will be happy to help.</div>

MEA Coverage, FIG & SWFs - Analyst

Emirates Investment Bank pjsc

<div>
 
 
 About Emirates Investment Bank
 
 
 
 Emirates Investment Bank PJSC (EIBank) is an independent onshore private bank based in Dubai, United Arab Emirates, offering a wide range of banking and investment services to a select group of clients, supporting them through every stage of their wealth journey.
 
 
 
 
 
 Established in 1976 by prominent UAE business families, EIBank offers bespoke solutions across the full range of wealth management services, from asset management and access to global markets to advisory services.
 
 
 
 
 
 EIBank is a relationship driven bank, focused on building long-term partnerships. Our flexible and consultative approach enables us to offer customized products and solutions through innovative advice and services.
 
 
 
 
 
 EIBank is listed on the Dubai Financial Market since 2005 and its shareholder base is composed of highly respected UAE business families and private investors from the local community.
 
 
 
 
 
 
 Job Purpose:
 
 
 
 Our Emiratisation initiatives aim to develop future leaders by nurturing skilled and competent banking professionals. We focus on identifying, attracting, and mentoring top Emirati talent to elevate their careers.
 
 
 
 
 
 We are excited and committed to support the Ethraa program and UAE Central Bank&rsquo;s objective to encourage talented Emirati graduates to join the banking sector.
 
 
 
 
 
 At Emirates Investment Bank, we are looking to hire across various critical functions of the bank to start with us in a full-time employment, with an opportunity to get enrolled for training program at the Emirates Institute of Finance. This 6-month program equips and empowers the next generation of specialised bankers with a structured learning journey, international qualifications, hands-on projects, and ongoing coaching and mentoring. On completion of this program, you will continue working with the Bank in your full-time employment role.
 
 
 
 
 
 
 The programme consists of three phases:
 
 
 
 
 Foundation Phase:
 
 Covers fundamental Banking knowledge.
 
 
 
 Specialisation Phase:
 
 Focuses on training relevant to Credit domain. This phase also includes mentoring, coaching support, and skill enhancement training.
 
 
 
 Certification Phase:
 
 Involves obtaining international professional certifications.
 
 
 
 
 
 
 Key Accountabilities:
 
 
 <ul>
 <li>
 Assist in evaluation of real estate-backed lending proposals, including review of property valuations and collateral quality
 </li>
 <li>
 Support determination and validation of Loan-to-Value (LTV) ratios for both Equity Release and Lombard Lending, including application of internal policy thresholds and stress scenarios
 </li>
 <li>
 Contribute to structuring of equity release / top-up financing proposals against existing property holdings
 </li>
 <li>
 Prepare and assist in drafting Credit Proposal Notes for private banking clients
 </li>
 <li>
 Analyze client financial profiles, including income streams, net worth statements, and liquidity positions
 </li>
 <li>
 Support monitoring of collateral values and margin calls, especially in volatile market conditions
 </li>
 <li>
 Track covenants and exposure limits, ensuring compliance with internal policies
 </li>
 <li>
 Liaise with Relationship Managers (Private Bankers), Risk, Legal, and Valuation teams
 </li>
 <li>
 Assist in portfolio reviews, including sensitivity analysis on property and security prices and LTV movements
 </li>
 </ul>
 
 
 
 
 
 This role provides highly specialized exposure within private banking credit:
 
 
 <ul>
 <li>
 Deep understanding of LTV-based lending - Practical exposure to how LTVs are calibrated, including haircuts, market volatility adjustments, and asset liquidity considerations
 </li>
 <li>
 Real estate credit expertise - Hands-on involvement in evaluating property-backed financing, including equity release structures and refinancing strategies
 </li>
 <li>
 Exposure to HNW/UHNW client portfolios - Understanding complex wealth structures, including multiple assets, jurisdictions, and leverage strategies
 </li>
 <li>
 Risk structuring skills - Learning how credit is structured to balance client needs with prudent risk management (tenor, margining, collateral coverage)
 </li>
 <li>
 Market-driven risk awareness - Insight into how real estate cycles, interest rates, and macroeconomic factors impact collateral values and lending decisions
 </li>
 <li>
 Cross-functional collaboration -Close interaction with Front Office (Private Banking), Risk, Legal, and external valuers
 </li>
 </ul>
 
 
 
 
 
 Qualification &amp; Experience:
 
 
 <ul>
 <li>
 UAE National with a Family Book
 </li>
 <li>
 A bachelor's degree in any major is suitable, though a specialization in Banking and Finance is preferred.
 </li>
 <li>
 GPA 2.7+
 </li>
 <li>
 Graduates from 2024 onwards
 </li>
 <li>
 Fresher or with less than 1 year experience
 </li>
 <li>
 Fluent in English
 </li>
 <li>
 National Service must be completed for male candidates
 </li>
 </ul>
</div>

Associate - Credit (UAE National Ethraa Graduate)

MEA Coverage, Corporates - Analyst

Moody's

<div>At Moody's, we unite the brightest minds to turn today&rsquo;s risks into tomorrow&rsquo;s opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they are&mdash;with the freedom to exchange ideas, think innovatively, and listen to each other and customers in meaningful ways. Moody&rsquo;s is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment, we&rsquo;re advancing AI to move from insight to action&mdash;enabling intelligence that not only understands complexity but responds to it. We decode risk to unlock opportunity, helping our clients navigate uncertainty with clarity, speed, and confidence.
If you are excited about this opportunity but do not meet every single requirement, please apply! You still may be a great fit for this role or other open roles. We are seeking candidates who model our values: invest in every relationship, lead with curiosity, champion diverse perspectives, turn inputs into actions, and uphold trust through integrity.
<div><div><div><h2 class="jobSectionHeader">
Skills and Competencies</h2>
</div><div><div><ul><li>Substantial credit and risk assessment experience gained within a financial institution, asset manager, public accounting firm, or equivalent, required to deliver accurate and timely credit opinions</li><li>
Deep understanding of Middle East banking and non‑bank financial institution credit markets, including regulatory and operating environments, required for informed credit analysis</li><li>
Strong quantitative and analytical skills, with the ability to interpret complex financial information and assess credit risk drivers</li><li>
Excellent written and verbal communication skills, including the ability to present clearly at rating committees and engage credibly with senior stakeholders</li><li>
Highly organized, with the ability to manage multiple priorities, meet tight deadlines, and work independently in a high‑profile environment</li><li>
Fluency in English required; Arabic or French preferred</li><li>
Willingness to travel across the EMEA region</li><li>
Curiosity and working knowledge of artificial intelligence concepts, with interest in applying AI tools responsibly to improve analytical efficiency and processes</li></ul></div></div></div><div><div><h2 class="jobSectionHeader">
Education</h2>
</div><div><ul><li>Strong academic background at least equivalent to MSc/MBA in relevant areas CIMA /ACCA/CFA professional qualification would be highly beneficial</li></ul></div></div><div><div><h2 class="jobSectionHeader">
Responsibilities</h2>
</div><div>
Provide high‑quality credit analysis and thought leadership on banks and non‑bank financial institutions in the Middle East to support accurate ratings and investor confidence.<ul><li>
Develop and maintain in‑depth knowledge of assigned banks and financial systems, acting as a subject matter expert for the region</li><li>
Perform comprehensive fundamental credit analysis and present findings effectively at rating committees with a high degree of autonomy</li><li>
Write high‑quality, insightful research on credit trends, individual issuers, and banking systems, contributing to Moody&rsquo;s analytical leadership</li><li>
Build and sustain strong relationships with senior management at rated financial institutions and engage effectively with investors</li><li>
Respond to investor and issuer inquiries, ensuring clarity, consistency, and alignment with published credit opinions</li><li>
Enhance Moody&rsquo;s franchise by participating in conferences, outreach activities, and other visibility initiatives across EMEA</li><li>
Coach, review, and develop Ratings Associates, providing guidance on analysis quality and professional development</li></ul></div></div><div><div><h2 class="jobSectionHeader">
About the Team</h2>
</div><div>
The EMEA Banking team, part of the Financial Institutions Group, is responsible for providing independent credit ratings and research on banks and non‑bank financial institutions across the region. By joining the team, you will contribute to Moody&rsquo;s global analytical excellence, support transparent financial markets, and engage with a diverse set of institutions across the Middle East and wider EMEA region.</div></div></div>

Moody&rsquo;s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity or any other characteristic protected by law. 
 
Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moody&rsquo;s Policy for Securities Trading and the requirements of the position. Employment is contingent upon compliance with the Policy, including remediation of positions in those holdings as necessary.</div>

AVP-Analyst (Financial Institutions Group)

Tata Consultancy Services

<div>
 
 
 Job Title
 
 &ndash; Business Analyst - Banking (Functional)
 
 
 
 Company
 
 &ndash; TCS (MEA)
 
 
 
 Location
 
 &ndash; Dubai, UAE
 
 
 
 Job type
 
 &ndash; Full time
 
 
 
 
 
 
 About Us:
 
 
 
 Tata Consultancy Services (TCS) is an IT services, consulting and business solutions organization that has been partnering with many of the world&rsquo;s largest businesses in their transformation journeys for over 50 years. TCS offers a consulting-led, cognitive powered, integrated portfolio of business, technology and engineering services and solutions. This is delivered through its unique Location Independent Agile&trade; delivery model, recognized as a benchmark of excellence in software development.
 
 
 A part of the Tata group, India's largest multinational business group, TCS has over 616,171 of the world&rsquo;s best-trained consultants with 157 nationalities in 53 countries. For more information, visit www.tcs.com and follow TCS news at @TCS_News.
 
 
 
 
 
 
 
 Job Description:
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Engage with Bank&rsquo;s Compliance, AML Operations, Sanctions, Credit Risk, and Regulatory Reporting stakeholders (Data Stewards, Data Owners) to understand Critical data elements required with sources/process followed for acquiring this data and reporting.
 </li>
 <li>
 Elicit, analyze, and document CDE&rsquo;s, business rules, and data needs for the Logical Data Mart.
 </li>
 <li>
 Translate business problems into Data Catalog with source‑to‑target mapping (STTM), business Rules etc. for following key source systems (Total of 11 Sources including)
 </li>
 <li>
 
 FIRCO
 
 &ndash; sanctions/screening/watchlist hits, alert decisions, audit trails
 </li>
 <li>
 
 Credit Lens
 
 &ndash; credit applications, exposures, PD/LGD, risk ratings. comprehensive financial data for each customer for Industry wise Analysis e,g. DBR (Debt Burden Ratio), DSCR (Debt Service Coverage Ratio) analysis and non-model reviews.
 </li>
 <li>
 
 Intuition -
 
 Compliance and AML
 </li>
 <li>
 
 Falcon &ndash;
 
 Fiserv Product for fraud monitoring and Risk
 </li>
 <li>
 
 Tahseel Al Islami (TAI)
 
 is an internal Bank application that supports fee collection and refund processing, primarily for government and public‑sector related services under the Al Islami channel. It captures transaction‑level payment data, fee components, VAT‑relevant amounts, customer references, and operational attributes required for collections, reconciliation, and downstream financial processing
 </li>
 </ul>
 
 
 
 
 
 Functional &amp; Domain Expertise
 
 
 <ul>
 <li>
 Strong experience in BFSI, Financial Crime, AML, Sanctions, and Credit Risk
 </li>
 </ul>
 
 
 
 
 
 Soft Skills
 
 
 <ul>
 <li>
 Excellent stakeholder management and communication abilities.
 </li>
 <li>
 Ability to translate complex regulatory and data concepts into business‑friendly language.
 </li>
 <li>
 Strong analytical, problem‑solving, and facilitation skills
 </li>
 </ul>
 
 
 
 
 
 Data &amp; Analytics
 
 
 <ul>
 <li>
 Good understanding of:
 </li>
 <li>
 Logical &amp; conceptual data modeling
 </li>
 <li>
 Data marts and enterprise data warehouses
 </li>
 <li>
 Source‑to‑target mapping and data lineage
 </li>
 <li>
 Ability to work with source datasets for analysis.
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 Translate business requirements into clear techno‑functional specifications, partnering with engineering teams to ensure accurate and scalable implementation.
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 Provide end‑to‑end project support including functional validation, data quality checks, and defect resolution.
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 Support business stakeholders during UAT, drive clarifications, and ensure formal sign‑off and successful handover to operations.
 </li>
 </ul>
 
 
 
 
 Thank you for your interest in applying for this position with TCS. We will review your application and will get back to you if we are considering your interest in this opportunity.
 
 
 
 
 
 
 Application Deadline:
 
 30-April-2026
 
 
 
 
 
 
 Privacy Note:
 
 
 
 https://www.tcs.com/connect-with-tcs/privacy-policy
 
</div>

Business Analyst - Banking (Functional)

ROOTS SUPPLY SOLUTIONS

About Us: ROOTS SUPPLY SOLUTIONS is a growing trading and supply chain company, providing reliable products and services across diverse industries.Functional Areas : Finance &amp; OperationsReports To: CEORole Overview :The Financial Operations (FINOPS) Analyst at Roots Supply Solutions plays a hybrid role that blends accounting, business finance analysis, and operational cash-flow management. FINOPS Analyst is central to ensuring smooth financial operations, timely payments, accurate collections, and supporting management to for data-driven decision-making. The role supports the CEO by providing visibility on daily cash flow, fund requirements, operational costs, and business insights.Key Responsibilities<ul><li>Accounting &amp; Financial Reporting Maintain accurate records of AP, AR, journal entries, and general ledger updates.</li></ul>&middot; Perform bank, vendor, and inventory reconciliations.&middot; Prepare monthly financial statements&mdash;P&amp;L, Balance Sheet, Cash Flow.&middot; Support auditors with required documentation.&middot; Verify GRNs, purchase bills, and cost allocations.<ul><li>Daily Fund Planning &amp; Allocation (NEW) Review daily cash position and allocate funds for day-to-day purchase orders and operational payments.</li></ul>&middot; Maintain a daily fund allocation sheet to track inflows, outflows, and shortfalls.&middot; Prioritize payments based on urgency, supplier terms, and operational requirements.&middot; Coordinate with procurement and operations to validate purchase urgency and timelines.&middot; Ensure all critical purchase payments are made on time to avoid supply disruptions.<ul><li>Vendor Payments &amp; Payable Management Prepare a structured vendor payment schedule based on due dates and credit terms.</li></ul>&middot; Process supplier payments after verifying supporting documents.&middot; Track advance payments, outstanding dues, and resolve discrepancies with vendors.&middot; Improve payment discipline and reduce last-minute fund requirements.<ul><li>Customer Payment Follow-ups &amp; Receivables Management (NEW) Follow up with customers regularly to ensure timely payment collection.</li></ul>&middot; Maintain and update the Accounts Receivable ageing report.&middot; Coordinate with sales teams to resolve disputes or document mismatches.&middot; Send alerts and reminders to customers before due dates.&middot; Reduce overdue receivables and improve overall cash flow.<ul><li>Inform CEO About Fund Requirements (NEW) Assess daily and weekly fund needs by analyzing purchase dues, vendor commitments, logistics costs, and operational expenses.</li></ul>&middot; Prepare a Fund Requirement Report summarizing:&middot; Total funds needed&middot; Purpose and urgency&middot; Due dates&middot; Expected inflows&middot; Shortfall amounts&middot; Inform the CEO well in advance (24&ndash;48 hours) about urgent or high-value fund requirements.&middot; Recommend actions such as fund transfers, reprioritization, or follow-ups to close payment gaps.&middot; Provide timely updates after fund approval and execution.<ul><li>Financial Planning, Budgeting &amp; Forecasting Assist in developing annual budgets and rolling cash-flow forecasts.</li></ul>&middot; Prepare margin, cost, and profitability analysis for products and customers.&middot; Conduct variance analysis for Budget vs Actual performance.&middot; Support procurement and operations with accurate forecasting inputs.<ul><li>Operations &amp; Supply-Chain Finance Evaluate procurement costs, freight charges, warehousing costs, and inventory valuation.</li></ul>&middot; Track operational KPIs: inventory turns, supplier performance, timelines, stock ageing, etc.&middot; Support pricing decisions with cost and margin analysis.&middot; Identify operational inefficiencies and recommend cost-saving opportunities.<ul><li>Data Analytics &amp; Business Intelligence Build dashboards for cash flow, payments, receivables, purchase costs, and operations.</li></ul>&middot; Clean and prepare data for reporting and financial modeling.&middot; Identify trends and provide actionable insights to management.&middot; Automate manual reporting processes to improve speed and accuracy.<ul><li>Cross-Functional Coordination Work closely with procurement, sales, warehouse, and logistics teams.</li></ul>&middot; Ensure all departments follow proper documentation and financial controls.&middot; Provide frequent updates to CFO/CEO on collection status, fund gaps, and financial risks.&middot; Attend weekly operational and financial review meetings.Requirements :Bachelor&rsquo;s degree in Accounting/Finance (CA/CPA preferred).5+ years of accounting/finance experience (supply chain or trading industry preferred).Strong knowledge of ZOHO accounting softwareGood understanding of UAE VAT , CORPORATE TAX and financial regulations.Strong analytical, organizational, and leadership skills.What We Offer :Competitive salary and benefits.Career growth in a dynamic environment.Job Type: Full-timePay: AED3,000.00 - AED4,000.00 per month

Account Manager- Financial Operations Analyst

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