project manager

account manager

finance manager

key account manager

commercial manager

credit portfolio manager

Arab Banking Corporation

Principal Responsibilities, Accountabilities and Deliverables of Role:
1. Credit portfolio management 65% The Credit Risk supports Head of Credit Risk who supports the first line of defense across a number of geographies either as a principle or secondary point of contact. The GCA is to work across all types of transaction including sovereign, corporate and financial institutions. The GCA is to provide support in terms of interpretation of the Group Credit Policy its related Standards and Procedures. The GCA is available for consultation on Credit Application Forms (CAF) as to whether the CAF is adequate in terms of its explanation and mitigation of the risks associated with the transaction under discussion. On submission of the CAF the GCA ensures that it is in compliance with group policies and requirements. Comments on any deficiencies and indicates a level of support, be it positive, negative or conditional for the submission. On a sample basis (minimum of 10%) the GCA ensures that spreadsheets have been compiled correctly, covenants have been complied with and any additional conditionality delivered. The GCA is to ensure that any documentation outstanding on the OOO (Out of Order) report is covered in the CAF and reasons provided to mitigate any potential risk. The GCA is to monitor developments in the countries he/she covers. There is an expectation of travel to the countries on an annual basis with such visits informing the annual review of the bank s exposure in that country. The GCA is to monitor the completeness of the annual reviews from a country and ensure that they are delivered on a timely basis. From time to time the GCA will be required to assisst in delivery of reports on sectors within a country or assist in the compilation of a wider report across many jurisdictions. As part of the portfolio management process the GCA must identify any relationships or sectors that could result in elevated credit risk or non-repayment of the borrower s obligations. All such names must appear on the report Accounts Requiring Close Monitoring before being downgraded to a Risk Rating 8.
2. Risk related project management 15% Risk related projects can comprise a number of items from a single item; such as a report amendment adding to the efficiency or effectiveness of the department, to providing input on a multi-million dollar transformational project. In either instance the GCA is to provide assistance and support as part of the general day to day business. The GCA is be expected to record his contribution to projects for evaluation as part of the career management process.
3. Development 20% GCA must ensure that they are receiving appropriate training from either internal or external sources. The GCA must attend at least one course per annum from an external provider and take regular internal seminars or presentations from subject matter experts.
Job Context:
The job holder is expected: Recognise the need to balance risk-prudence with actual market-practices/pressures and support growth of a sustainable well managed risk portfolio. Understand risk strategy and appetite documents. Monitor and analyse bank s corporate credit portfolio and names. Demonstrate compliance with the bank s policies, standards and procedures. Awareness of regulatory requirements in DIFC, Bahrain and beyond.
Job Requirements:
Knowlegde: Good knowledge of basic credit product, risks and key aspects of legal documentation. Good knowledge of corporate and bank balance sheet analysis techniques
Education/Certifications: Degree with an element of finance or equivalent, Institute of Bankers associate or equivalent
Experience: Seasoned corporate credit professional (who understands financial as well as other key credit matters) with significant experience (10 years +) of UAE/ GCC corporates, market knowledge, UAE/GCC credit contacts along with good stakeholder management skills.
Personal Attributes: Work as team member, good communication and presentation skills, accountability, transparent and open

Credit Risk - DIFC

First Abu Dhabi Bank (FA...

JOB PURPOSE: Work within the Private Banking Credit team, ensuring the proper implementation of policies, procedures and practices consistent with the overall strategy and objectives of the bank.Ensure that Credit proposals adhere to policy guidelines, monitoring and review is adequate to maintain assigned portfolio quality and overall credit risk falls within the bank s risk appetite.Key AccountabilitiesCredit Risk ManagementCredit analysis, assessment, recommendation &amp; approval (Within DoA), review, monitoring, control and recovery of assigned portfolio(s)Ensure credit processing &amp; approval turnaround times as per agreed SLAsEnsure Credit request fall with regulatory guidelines /policies / TMRACsHighlight exceptions and work with Private banking on ensuring proper mitigation is in placeGuide private banking on structuring of facilities, securities, documentationEnsure proper due diligence is conducted on prospective deals in collaboration with coverage / product teamsFollow up with Private banking on covenant breaches / document deficiencies / excesses / past duesProvide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.Ensures timely availability of required information to approving authority for credit decision making.Ensure accuracy of data being presented to various stakeholders including senior managementCoordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.Recommend amendments to the Bank s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank s risk strategy &amp; policyEnsure satisfactory rating in audits through proactive actions and ensure all recommendations are implementedSpecific AccountabilityPreparation of comprehensive credit proposals clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolioCoordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.Ensure credit processing &amp; approval turnaround times as per agreed SLAs.Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clientsMonitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.Oversight the mark-to-market revaluation process and take ownership of liaising with the respective RMs to rectify any margin call situations.Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.Manage problem credits closely and recommending appropriate strategies and remedial action plans.Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.Ensure accuracy of data being presented to various stakeholders including senior managementContribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.

VP- Credit Management

Al-Futtaim

<div>Job Requisition ID: 173566

Established in the 1930s as a trading business, Al-Futtaim Group today is one of the most diversified and progressive, privately held regional businesses headquartered in Dubai, United A&rdquo;rab Emirates. Structured into five operating divisions; automotive, financial services, real estate, retail and healthcare; employing more than 35,000 employees across more than 20 countries in the Middle East, Asia and Africa, Al-Futtaim Group partners with over 200 of the world's most admired and innovative brands. Al-Futtaim Group&rsquo;s entrepreneurship and relentless customer focus enables the organisation to continue to grow and expand; responding to the changing needs of our customers within the societies in which we operate.

By upholding our values of respect, excellence, collaboration and integrity; Al-Futtaim Group continues to enrich the lives and aspirations of our customers each and every day. 

Overview Of The Role: 
<ul>
<li>The Head of Credit is responsible for leading the Company's end-to-end credit risk management, underwriting, and portfolio monitoring functions. The role ensures that all credit activities are conducted within the approved risk appetite, aligned with CBUAE regulations, internal governance policies, and the Group's risk management standards. The Head of Credit will oversee credit strategy and execution across various lending products while supporting the Hertz operating lease business through tailored credit structures and asset-risk assessment. Critical to this role is balancing risk and growth objectives, ensuring high-quality portfolio performance, regulatory compliance, and prudent decision-making that enables sustainable business expansion.</li></ul> 
 
What You Will Do:
<ul>
<li>Develop and maintain the Company&rsquo;s Credit Risk Management Framework and Credit Policy in line with CBUAE Finance Companies Regulations, Corporate Governance Standards, and IFRS 9/ECL requirements.</li>
<li>Define risk appetite, product-specific credit criteria, and approval authority limits; obtain Board and CBUAE approvals as required.</li>
<li>Chair or participate in Credit Committee meetings and ensure sound underwriting decisions.</li>
<li>Oversee consumer and corporate credit underwriting to ensure consistent application of risk standards across all products including personal loans, credit cards, auto finance, and SME lending.</li>
<li>Monitor portfolio performance, delinquency trends, and concentration risks; recommend proactive risk mitigation actions.</li>
<li>Ensure full compliance with CBUAE Finance Companies Regulations, Consumer Protection Standards, AML/CFT requirements, and related circulars or notices.</li>
<li>Prepare and present periodic credit risk reports to the CEO, Board Risk Committee, and regulators.</li>
<li>Liaise with CBUAE examiners during inspections and respond to regulatory queries.</li>
<li>Establish end-to-end credit approval processes, including KYC/AML checks, documentation standards, and limit management.</li>
<li>Ensure adequate segregation of duties between credit origination, underwriting, and collections/recovery.</li>
<li>Build, lead, and mentor a high-performing Credit Department covering underwriting, credit risk analytics, and portfolio management.</li>
<li>Drive continuous training on CBUAE regulations, risk assessment, and market best practices.</li></ul> 
 
Required Skills To Be Successful: 
<ul>
<li>Candidates must come from the banking or financial services sector within the UAE market, with a strong understanding of local regulations and practices</li>
<li>Proven experience engaging directly with the UAE Central Bank and developing compliant credit policies aligned with regulatory standards.</li>
<li>Demonstrated ability to design, implement, and scale credit systems across multiple lending and leasing products.</li>
<li>Hands-on expertise in credit initiation and underwriting, ensuring sound credit assessment and portfolio quality.</li>
<li>Track record of building and leading credit teams in a high-growth or transformation environment.</li>
<li>Strong integrity, independence, and objectivity in decision-making, particularly under commercial or business pressure.</li>
<li>Experience driving credit digitalization and automation initiatives within a regulated financial institution.</li></ul> 
 
What Qualifies You For The Role: 
<ul>
<li>Bachelor&rsquo;s degree in Finance, Banking, Economics, or a related field required; Master&rsquo;s preferred.</li>
<li>Minimum 10-15 years of progressive credit risk/underwriting experience in the UAE banking or finance sector, with at least 5 years in a senior leadership role.</li>
<li>Proven track record in consumer and corporate credit risk management, portfolio analytics, and collections strategy.</li>
<li>Strong knowledge of CBUAE regulations, Basel/Risk Management standards, IFRS 9, and UAE market practices.</li>
<li>Experience in digital lending, credit scoring models, and automated decision systems is desirable.</li></ul> 
We&rsquo;re here to provide excellent service but a little help from you can ensure a five-star candidate experience from start to finish. 

Before you click &ldquo;apply&rdquo;: Please read the job description carefully to ensure you can confidently demonstrate why this opportunity is right for you and take the time to put together a well-crafted and personalised CV to further boost your visibility. Our global Talent Acquisition team members are all assigned to specific businesses to ensure that we make the best matches between talent and opportunities. We not only consider the requisite compatibility of skills and behaviours, but also how candidates align with our Values of Respect, Integrity, Collaboration, and Excellence. 

As part of our candidate experience promise, we also want to make ourselves available to you throughout the application process. We make every effort to review and respond to every application.</div>

Head of Credit and Analytics

United States Citigroup

The role will provide analytical and project support to Credit Risk team, help produce internal reporting, and contribute to key presentations and regulatory deliverables. The ideal candidate will have understanding of risk, experience in data analytics and management reporting.
What you ll do
<ul>
 <li>Assess the effectiveness of Citi s credit risk management practices and support identification and mitigation of credit risk across Citi s retail portfolios</li>
 <li>Analyse credit risks by utilizing reports, scorecards, risk systems, and expert judgment</li>
 <li>Provide support for loss forecasting, stress testing and management reporting.</li>
 <li>Evaluate moderately complex and variable credit issues with significant business impact</li>
 <li>Support the preparation of Credit Portfolio Scorecards and trend analysis reports</li>
 <li>Prepare internal presentations for management and regulatory stakeholders</li>
</ul>

Credit Portfolio Analyst

JOB PURPOSE: Prepare, recommend, gain approval for and advise outcome of the approving authority s decision to units submitting credit facility applications and other transaction or one-off requests pertaining to Commercial Banking Customers.Key AccountabilitiesResponsible for preparing /processing all credit related issues / requests originating from business units and conducting comprehensive analysis &amp; assessment of such requests, based on which recommendations to be made for approval / rejection by appropriate approving authority or as applicable decisions to be provided based on delegation matrix; with the objective of ensuring that only high-quality assets are booked.Manage a portfolio of accounts and undertake regular follow-up with Business units on normal credit facility accounts where follow-up is required according to the terms of credit approval to ensure compliance. Also undertake monitoring on early warning cases and take updates from Business units to safeguard the interest of the bank and have follow-up on client commitments. Undertake additional projects to support the Credit Team activities.Undertake additional responsibilities, including system checks, MIS reports etc as directed by Credit Head.

AVP & Lead- Credit Management

First Abu Dhabi Bank

Job Title Real Estate Corporate Relationship Manager Banking Sector Dubai, UAE Job Description Real Estate Corporate Relationship Manager Banking Sector Dubai, UAE Position Overview Join First Abu Dhabi Bank (FAB) as a Real Estate Corporate Relationship Manager based in Dubai, where you'll drive revenue growth while managing risk within a high-value corporate portfolio. This role combines client relationship management, credit analysis, and strategic cross-selling across banking products to support major real estate clients in the UAE. Job Details Location: United Arab Emirates Location: Dubai Industry: Banking / Mortgage Professionals Function: Business / Strategic Management Gender: Any Candidate Nationality: Any Candidate Preferred Location: Any Job Type: Full-time Core Duties * Lead the assigned team s performance and business development through effective portfolio management * Act as the primary point of contact for real estate corporate clients, delivering solutions and addressing service issues * Monitor risk exposure and ensure timely credit renewals and compliance with audit standards * Grow portfolio revenues by cross-selling banking solutions including GFM and GTB products * Handle customer inquiries and resolve service-related concerns proactively * Maintain zero-expiry status across the assigned portfolio and ensure customer documentation is up to date * Conduct credit reviews, risk assessments, and monitor non-performing loans to stay below 4% * Provide in-depth credit appraisals and support financial modelling efforts * Prepare client presentations and reports, ensuring accurate and timely communication * Adhere to all internal policies and regulatory requirements in operational and documentation procedures * Coordinate with internal departments to enhance overall client servicing and solution delivery Candidate Requirements * Bachelor's or Master s degree in Finance, Business, or a related field * Professional accounting qualification is a plus * Prior experience in real estate corporate relationship management or credit-focused banking roles * Strong understanding of credit analysis, financial statements, and regulatory frameworks * Skilled in communication, problem-solving, and team management * Ability to work under pressure and meet strict deadlines * Familiarity with feasibility reports and appraisal techniques * Arabic language skills are preferred but not required

Real Estate Corporate Relationship Manager Banking

Commercial Bank of Dubai

Primarily responsible to assist Relationship Managers to manage portfolio of borrowing customers in Emerging Corporates segment to maximise profitability of overall portfolio to achieve team's KPIs Principal Accountabilities: Work Management Understand financial statements in detail, spreading financials and prepare quality credit packages and proposals in collaboration with RM. Completing post-disbursement documentation activities in coordination with control groups such as Credit, Legal, Credit Operations, Compliance Assist the Relationship Manager in managing portfolio of Emerging Corporate clients and backup in absence of RM Support the Relationship Manager in achieving business targets, acquiring and onboarding new clients Client servicing in collaboration with Transaction Banking and Treasury teams Track the deferrals and exceptions on post sanction documents and procedures and ensure that they are adhered to in a timely manner Ensure that the transactions and loan disbursements happens on time and as per terms and conditions agreed upon by the bank and the client Provide extensive support to the team in order to achieve the assigned targets. All renewals to be completed on time and identified the potentials for enhancement while conducting the renewal requests, in order to grow the asset book. Continuously explore the opportunities in existing books for CASA, Funded, Non-Funded Asset and for Trade, PCM &amp; Treasury income and accordingly inform to the respective RM for the prospects along with UH. To make visits to clients with RMs as and when required. Such visits to be recorded by way of call reports which are to include all pertinent information in a timely manner. Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle. Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank Keep abreast of developments in the local business environment to spot business opportunities. Contribute to the planning process in order to develop corporate business strategies. Drive customer satisfaction and be highly responsive to customer needs &amp; ensure client satisfaction in an environment where client needs are constantly changing. Perform any other duties or responsibilities consistent with the role as assigned by management

Assistant Relationship Manager, Emerging Corporates

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