accountant

sales manager

sales coordinator

senior accountant

account manager

credit manager

KinFitz & Co.

<div>
 
 Credit Manager (Trade Finance) &ndash; SME Lending
 
 
 
 
 
 
 The opportunity
 
 
 
 A fast-growing UAE fintech lender is hiring a
 
 Credit Manager
 
 to strengthen its
 
 trade finance
 
 approval capability. The business has scaled quickly and needs an experienced credit decision-maker who can
 
 approve or decline SME trade finance cases independently
 
 , at pace, while keeping risk discipline high.
 
 
 
 
 
 This is a hands-on role in a scaling team. You won&rsquo;t manage people initially, but you will guide analysts, improve case quality, and remove the credit approval bottleneck.
 
 
 
 
 
 
 Key details
 
 
 
 Work setup: Hybrid (3 days office, 2 days remote)
 
 
 
 What you&rsquo;ll be doing
 
 
 <ul>
 <li>
 Take
 
 final credit decisions
 
 on SME trade finance cases within delegated authority
 </li>
 <li>
 Assess and structure facilities including
 
 working capital lines, invoice discounting, and reverse factoring
 
 </li>
 <li>
 Review analyst credit memos, challenge assumptions, and raise quality of analysis and documentation
 </li>
 <li>
 Spot fraud and operational risk flags early and push for the right mitigants
 </li>
 <li>
 Present and defend decisions in a risk committee setting when required
 </li>
 <li>
 Help standardise underwriting approaches and improve turnaround time without compromising quality
 </li>
 <li>
 Work closely with the Head of Credit and cross-functional stakeholders to keep approvals flowing
 </li>
 </ul>
 
 
 What you need
 
 
 <ul>
 <li>
 Minimum
 
 4 years
 
 of direct experience in
 
 trade finance credit
 
 (ideally 5 to 10 years overall credit experience)
 </li>
 <li>
 Strong exposure to
 
 SME lending
 
 in the UAE market (mandatory)
 </li>
 <li>
 Practical understanding of trade finance products and risk drivers:
 
 invoice discounting, reverse factoring, working capital facilities
 
 </li>
 <li>
 Comfortable operating in a fast-paced environment with high volumes and tight SLAs
 </li>
 <li>
 Strong written and verbal communication in English, able to justify approvals and declines clearly
 </li>
 <li>
 Confidence owning decisions, not relying on layers of committee approval for every case
 </li>
 </ul>
 
 
 Nice to have
 
 
 <ul>
 <li>
 Experience in fintech, alternative lending, or high-growth environments
 </li>
 <li>
 Prior involvement in credit policy refinement, delegated authority frameworks, or process improvements
 </li>
 <li>
 Experience working with data-led credit processes and rapid credit turnaround expectations
 </li>
 </ul>
</div>

Credit Manager - Trade Finance

First Abu Dhabi Bank (FAB)

<div>
 Conduct detailed credit assessment and preparation of credit appraisal memos seeking approval for financing against residential and commercial real estate. The key purpose is to determine whether the borrower is eligible for financing and the requested credit facility is in line with the bank&rsquo;s risk appetite and Target Market Risk Acceptance Criteria (TM-RAC).
 
 
 
 Key Accountabilities
 
 
 
 <ul>
 <li>
 Review, analyse &amp; assess loan proposals keeping in mind the approved credit policies, procedures and market dynamics to produce high quality of credit assessment memos for underwriting purposes.
 </li>
 <li>
 Approve credit requests in line with any delegated credit authority, where allowed.
 </li>
 <li>
 Manage the allocated portfolio of clients in terms of timely annual reviews, monitoring delinquencies, early warnings, adherence to covenants, documentary deferrals etc and actively engage with the respective business counterparts on regular basis to address any credit related issues for the allocated portfolio.
 </li>
 <li>
 Given the High Networth and sensitive nature of the clientele, actively engage with the senior business counterparts (Area Managers/Executive Directors etc) to ensure that the proposed facility is adequately structured to meet the clients&rsquo; expectations within the bank&rsquo;s underwriting standards.
 </li>
 <li>
 Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility.
 </li>
 <li>
 Adhere to &amp; comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth &amp; methodical manner.
 </li>
 <li>
 Exhibit consistency with organization&rsquo;s values and ethics at all times to demonstrate a value driven culture within the bank.
 </li>
 <li>
 Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties.
 </li>
 <li>
 Have in-depth understanding of regulatory and internal bank policies.
 </li>
 <li>
 Exhibits good communication &amp; writing skills when preparing &amp; submitting credit proposals to approving authorities within the Bank.
 </li>
 <li>
 Guide and train a small team of credit analysts for credit underwriting.
 
 
 </li>
 </ul>
 
 Job Responsibilities
 
 
 
 <ul>
 <li>
 Analyse Client&rsquo;s audited financial statements/bank statements/Rental Roll Reports/ Collateral Details etc, look into client&rsquo;s credit history/credit reports/ system checks to meet bank&rsquo;s lending standards.
 </li>
 <li>
 In depth analysis of borrower&rsquo;s financial ratios like profitability, solvency, cashflow, debt service coverage ratios etc in order to ensure error free underwriting and ensuring that the borrower has sufficient repayment capacity to repay the proposed loan facilities.
 </li>
 <li>
 Review &amp; analyse re-structuring requests from the existing loan customers and recommend in line with the bank&rsquo;s policy/TM-RAC.
 </li>
 <li>
 To work out the credit risk rating and check RAROC of the customer as per the bank&rsquo;s portals.
 </li>
 <li>
 Ensure completeness &amp; accuracy of documentation submitted with the credit request in order to avoid fraud and/or delinquency in the future.
 </li>
 <li>
 To review the excess rental release request of the clients after reviewing the rental register and rental collection account.
 </li>
 <li>
 To work in co-ordination with other stakeholders such as Credit Administration, Collections, Operations etc and take up with business in case of non-compliance of terms and conditions.
 </li>
 <li>
 Review/Approve deferral or waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved.
 </li>
 <li>
 Approve and/or process the loan applications and service requests efficiently and within the agreed SLAs.
 </li>
 <li>
 Ensure completion and maintenance of the required departmental MIS as required on ongoing basis.
 </li>
 <li>
 Ensure that all the approved loans and proposal related documents are complete and stored in the common folder/system to safeguard any missing or misplaced documents.
 </li>
 <li>
 To be able to work in pressure conditions without compromising on the credit underwriting quality.
 </li>
 <li>
 To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.
 
 
 </li>
 </ul>
 
 Qualification
 
 
 
 <ul>
 <li>
 Minimum Education required: Minimum Bachelor&rsquo;s degree preferably in Finance/Banking/ Commerce.
 
 
 </li>
 </ul>
 
 Experience
 
 
 
 <ul>
 <li>
 Minimum 10 years in Credit and/or Banking experience.
 </li>
 </ul>
</div>

AVP & Lead, Credit Management

Commercial Bank of Dubai

<div>Dubai, Dubai, AE Senior Permanent ID: 102426</div>
 <div><div><div><div><h3 class="jobSectionHeader">DESCRIPTION</h3>
<div>Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.
CBD has been recognized as the number one bank in the UAE on the Forbes list of The World&rsquo;s Best Banks 2022.
As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile. 
JOB PURPOSE<ul><li>
The role of the Job Holder is to manage a team of underwriters and take key decisions related to individual applications of Customers applying for Retail Banking product of Mortgage, as defined in the Retail Credit Policy of the Bank.
</li><li>Credit decisions are taken by the job holder on high value transactions as well as deviations, as per the delegation matrix of the Bank. The individual will have up to AED 10 mill of Credit delegation for Mortgage cases.</li></ul> 
JOB ACCOUNTABILITIES
<ul><li>Decision high value transactions and escalations from the team in compliance with the Retail Credit Policy of the Bank.</li><li>
Decision deviations to the Credit Policy as per the defined deviations matrix of the Bank.</li><li>
Evaluate and escalate cases to the proper authority as defined in the Credit Policy of the Retail Banking PPGs.</li><li>
To guide, monitor, train and manage the underwriting team for the respective product. To ensure that the team takes decisions as per the laid down criteria of the Bank.</li><li>
Ensure that the risk-based underwriting principles are being strictly followed by credit officers &amp; Team Leader formulating credit decision</li><li>
Zero error &amp; no-rework across Consumer Credit Appraisal</li><li>
Cross training of all Team Leaders and Credit Officers on Self-Employed Cases (Succession Planning)</li><li>
Maintain constant high credit quality. Manage the Mortgage team for improving Retail Credit decision making / underwriting effectiveness, increase operational efficiency, optimizing resource utilization and capacity planning, increasing productivity, increasing customer lifetime value throughout retail banking group by way of continuous process improvements, re-engineering and major systems-based break-through in credit related areas.</li><li>
Ensuring quality service to internal/external customers through adherence to agreed SLAs for processing cases. Adequate market knowledge of UAE property market.</li><li>
To assist HORR in identifying and controlling the degree of risk and policy deviations by providing timely and accurate Credit parameters</li><li>
Supporting all direct reporting staff in providing workable solutions for problems arising in day-to-day situations</li><li>
Check and decision daily transactions efficiently within the approved policy and procedure and in accordance with the approved level of authorities.</li><li>
Ensure completion of cases within prescribed TAT and full adherence to SLA with Business Group</li><li>
Work closely with all Sales Channels to review reject and decline cases and identify areas of improvement, thus improving overall approval rate</li><li>
Adherence to Operational Risk Guidelines</li><li>
Full Compliance to all relevant policies and procedures governing Risk-based underwriting &amp; ensure a minimum SATSIFACTORY INTERNAL AUDIT Rating. NO Adverse audit findings with HIGH-RISK Impact</li><li>
Resolution of all audit findings within prescribed timeframe</li><li>
Regular Meeting with Team Leader and Credit Officers to discuss work issues &amp; other important relevant matters</li><li>
Goals &amp; Key Performance Indicators are clearly explained &amp; well understood across Consumer Credit Appraisal. Conduct performance appraisal of team leaders, at least 2x a year</li><li>
Objective assessment of training needs of Team Leaders &amp; Credit Officers to further enhance job performance &amp; recommendation of appropriate interventions including formal training, whenever necessary</li><li>
Allocate work/ supervises develops and conducts the appraisal review of junior levels staff to enhance their capabilities and ensure the effectiveness of their performance</li><li>
Effective implementation of productivity and performance management</li><li>
Monthly assessment/ monitoring of the direct reports</li></ul></div></div></div></div></div>
 <div><div><div><div><h3 class="jobSectionHeader">REQUIREMENTS</h3>
<div>QUALIFICATIONS<ul><li>
6 to 8 years solid Banking Experience including supervisory responsibilities, with at least 5 years in Retail Underwriting</li><li>
Written and spoken English &ndash; Arabic preferred</li><li>
Good understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market conditions.</li><li>
Extensive experience in Financial Analysis</li><li>
Must have had decision authority on auto/ personal credit/ mortgage and Islamic Banking Credit (Murabaha/ Ijarah)</li></ul></div></div></div></div></div>

Manager, Mortgage Credit Risk (UAE National)

Aswaar Consulting DMCC

Overview:We are seeking a hands-on Credit Controller ( preference for multi lingual candidates(other than sub-continental)) responsible for managing credit risk, accounts receivables, and revenue operations. The role focuses on ensuring credit decisions, maintaining receivables within approved limits, monitoring cash collection, and supporting accurate revenue accounting while ensuring compliance and documentation integrity.Job Profile:Credit &amp; Receivables Management<ul><li>Manage day-to-day credit decisions, including customer credit assessments.</li><li>Maintain credit limits and monitor customer creditworthiness.</li><li>Review receivables aging and initiate timely collection actions.</li><li>Set and track collection targets to maintain DSO within company policy.</li><li>Conduct regular customer reconciliations and resolve discrepancies promptly.</li></ul>Revenue Accounting<ul><li>Ensure compliance with applicable laws throughout the O2C cycle.</li><li>Record customer invoices, credit notes, general ledger entries, and perform reconciliations.</li><li>Manage customer receipts and payment processing.</li><li>Support month-end close activities and prepare basic financial reports.</li><li>Assist with audit requirements and ensure accurate financial transaction recording.</li></ul>Cross-Functional Support<ul><li>Support finance functions during monthly, quarterly, and year-end audits.</li><li>Assist treasury with cash flow forecasting and bank balance management.</li><li>Participate in process improvement initiatives to enhance operational efficiency.</li><li>Support budget preparation and variance analysis as required.</li></ul>Qualifications and Skills:&middot; Masters degree in Accounting, Finance, or a related field.&middot; ACCA, CIMA,or equivalent/ Credit Management certification (e.g., CICM); and experience in accounts receivable, credit control, or financial analysis. ( will preferred)&middot; 3-5 years of relevant experience in similar roles (FMCG company Preferred)&middot; Proficiency in Excel and other MS Office tools.&middot; Experience using multiple integrated ERP systems (SAP preferred).&middot; Knowledge of customer and market dynamics in the region.&middot; Good communication skills, both written and verbal.Job Type: Full-timePay: AED10,000.00 - AED12,000.00 per monthApplication Question(s):<ul><li>Can you join immediately </li></ul>Experience:<ul><li>Credit Controller : 3 years (Preferred)</li></ul>License/Certification:<ul><li>&bull;	ACCA, CIMA, or equivalent/ Credit Management certification (Preferred)</li></ul>

Credit Controller

Kinetics Middle East LLC

About the Role:We are seeking an experienced Credit Controller to manage receivables, ensure timely payments, and supervise the credit and customer setup process.Key Responsibilities:<ul><li>Manage credit control, customer accounts, and collections to ensure payments within agreed terms.</li><li>Review new customer accounts, make credit decisions, and negotiate payment terms.</li><li>Resolve customer credit issues and disputes professionally.</li><li>Prepare daily, weekly, and monthly reports on receivables, overdue accounts, and doubtful debts.</li><li>Monitor high-risk accounts and recommend provisions or write-offs.</li><li>Support sales by reviewing &lsquo;On Hold&rsquo; orders and participating in daily sales activities.</li><li>Ensure compliance with company policies, accounting regulations, and reporting standards.</li></ul>Qualifications &amp; Skills:<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, or related field.</li><li>5+ years of experience in credit control, collections, or corporate finance.</li><li>Strong credit analysis, risk evaluation, and negotiation skills.</li><li>Proficient in Microsoft Excel, Word, and SAP.</li><li>Excellent communication, problem-solving, and leadership skills.</li><li>Experience managing national accounts and high-volume collections.</li></ul>Interested candidates may apply through Indeed/ careers@kineticsgroup.aeJob Type: Full-timeEducation:<ul><li>Bachelor's (Required)</li></ul>Experience:<ul><li>Credit Analysis &amp; Risk Management Skills: 5 years (Required)</li><li>UAE : 5 years (Required)</li><li>Credit Control &amp; Collections: 5 years (Required)</li></ul>

Hira industries

The Hira Group is a pioneer and a leader, that caters to industrial segments Globally such as HVAC, MEP, Civil Construction, Infrastructure, Aluminium, Glass, Marine, Commercial, Residential and Industrial projects. Hira Group has expanded its activities in trading and customer base in GCC, India, Vietnam, Southeast Asia, Americas, Australia, New Zealand and Africa over the past 45 years.Key Job Responsibilities:&middot; Oversee all aspects of the Accounts Receivable (AR) process, including processing customer credit application requests, invoicing, payment processing, and ensuring timely collection and allocation of cash customer payments.&middot; Manage a portfolio of customer accounts and oversee the end-to-end order-to-cash process for the assigned portfolio.&middot; Analyze account performance and prepare regular reports on the customer portfolio&middot; Collaborate cross-functionally with Sales, Legal, and other internal departments to ensure smooth operations and accurate information flow.&middot; Ensure compliance with all relevant accounting policies, procedures, and regulatory requirements by maintaining accurate and complete financial records.&middot; Implement and maintain robust internal controls to prevent fraud, minimise errors, and safeguard company assets.&middot; Conduct customer visits to resolve issues, strengthen relationships, and build long-term rapport.&middot; Perform and support Anti-Money Laundering (AML) checks on new and existing customers in line with internal policies and regulatory standards.Qualifications &amp; Skills:&middot; Bachelor's degree in Accounting or Finance, (Masters Desirable)&middot; 2 - 4 years of experience in accounts receivable Credit or Collections&middot; Strong understanding of Credit and Collection principles and practices.&middot; Excellent analytical, problem-solving, and decision-making skills.&middot; Proficiency in accounting software (Preferable SAP).&middot; Strong Credit and Collection experience within Construction/HVAC/MEP, or similar industries&middot; Strong leadership and supervisory skills.&middot; Strong communication skills and fluent in English &amp; Arabic (Must have).&middot; Full UAE Driving License (Must have)You can also share your CV at n.haresh@rhira.comJob Types: Full-time, PermanentPay: Up to AED8,000.00 per monthApplication Question(s):<ul><li>What is your current salary package?</li><li>What is your expected salary package?</li></ul>Experience:<ul><li>Manufacturing/ Heavy Equipment/ HVAC/ Construction : 3 years (Required)</li><li>Collection or Accounts Receivables: 3 years (Required)</li></ul>Language:<ul><li>Arabic (Required)</li><li>English (Required)</li></ul>License/Certification:<ul><li>UAE Driving License (Required)</li></ul>

Collection Specialist

Fales Grand General Trading LLC

The Credit &amp; Collections Coordinator is responsible for managing credit control and collections for customers and Business Partners, ensuring timely recovery of outstanding receivables and minimizing credit risk. The role requires strong coordination with Sales, Accounts and Business Partners, with a key focus on cash flow management, compliance with credit policies and accurate reporting to the Finance Manager. Due to frequent interaction with local customers and partners, Arabic language proficiency is mandatory.Key ResponsibilitiesCollections &amp; Receivables<ul><li>Manage and follow up on collections from customers and Business Partners to ensure timely payments.</li><li>Monitor daily, weekly, and monthly Accounts Receivable aging reports.</li><li>Conduct regular follow-ups via calls, emails, and meetings (where required), primarily in Arabic.</li><li>Coordinate with the Sales team/Sales Coordinators to secure payment commitments and recovery plans.</li><li>Track post-dated cheques (PDCs), bank transfers, cash receipts and credit notes.</li><li>Escalate overdue, disputed or high-risk accounts to the Finance Manager with clear status and recovery recommendations.</li></ul>Credit Control<ul><li>Review and process customer and Business Partner credit applications and documentation.</li><li>Verify trade licenses, agreements, payment terms, and approvals.</li><li>Coordinate with the Finance Manager for approval of credit limits, payment terms, and exceptions.</li><li>Monitor customer and Business Partner credit exposure against approved limits.</li><li>Ensure strict compliance with company credit policies and internal controls.</li></ul>Business Partner Coordination<ul><li>Handle collections, reconciliations, and outstanding balances from Business Partners.</li><li>Reconcile Business Partner statements and resolve discrepancies in coordination with the Accounts team.</li><li>Ensure adherence to agreed contractual payment terms and commercial agreements.</li></ul>Reporting &amp; MIS<ul><li>Prepare and submit accurate and timely reports to the Finance Manager, including:</li><li>Customer &amp; Business Partner aging reports</li><li>Overdue and collection status</li><li>Credit exposure vs. approved limits</li><li>Risk and bad debt analysis</li><li>Support month-end and year-end closing related to receivables.</li></ul>Systems &amp; Compliance<ul><li>Maintain complete and accurate documentation for credit approvals and collection follow-ups.</li><li>Ensure customer and Business Partner master data is properly maintained in the ERP system.</li><li>Working knowledge of Odoo ERP is a strong advantage.</li><li>Assist in audit requirements, legal recovery actions and internal control reviews when required.</li></ul>Required Qualifications &amp; SkillsEducation<ul><li>Bachelor&rsquo;s Degree in Accounting, Finance, Commerce, or a related field</li></ul>Experience<ul><li>Proven experience in credit control and collections is strongly preferred</li><li>2&ndash;5 years of experience in Accounts Receivable / Credit &amp; Collections roles</li><li>Experience handling Business Partner collections is an added advantage</li><li>UAE trading or distribution company experience preferred</li></ul>Language<ul><li>Arabic language proficiency (spoken and written) is mandatory</li><li>English proficiency required</li></ul>Technical Skills<ul><li>Strong understanding of receivables, credit risk, and recovery processes</li><li>ERP system experience required; Odoo knowledge is an added advantage</li><li>Good command of MS Excel and reporting tools</li></ul>Soft Skills<ul><li>Strong follow-up, negotiation, and communication skills</li><li>Ability to handle pressure and strict timelines</li><li>High level of accuracy, integrity, and accountability</li><li>Strong coordination and stakeholder management skills</li></ul>Behavioral Competencies<ul><li>Result-oriented and proactive approach</li><li>Confidentiality and professionalism</li><li>Ownership and accountability</li><li>Strong interdepartmental coordination</li></ul>Candidates with strong recovery performance, Arabic fluency and ERP expertise may be considered at the upper end of the range.Job Types: Full-time, PermanentPay: AED3,750.00 - AED4,200.00 per month

Credit & Collections Coordinator

Explore 1669+ Credit manager in Dubai this February. Find roles across top companies and apply now to boost your career.

1669 credit manager jobs In Dubai

Credit Manager - Trade Finance

AVP & Lead, Credit Management

Manager, Mortgage Credit Risk (UAE National)

Credit Controller

Credit Controller

Collection Specialist

Credit & Collections Coordinator