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credit product analyst

UBL UAE

<div>
 
 UBL UAE is seeking for a highly analytical and detail-oriented professional to join our Financial Institutions team as Credit Analyst. The ideal candidate will be responsible for evaluating the creditworthiness of banks, non-banking financial companies (NBFCs), and insurance firms. This role requires a solid understanding of financial analysis, regulatory frameworks, and market dynamics impacting financial institutions.
 
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 
 
 1. Credit Evaluation &amp; Risk Assessment
 
 
 <ul>
 <li>
 Conduct in-depth credit assessments of counterparties including banks, NBFCs, and insurance firms using financial, regulatory, and qualitative criteria.
 </li>
 <li>
 Prepare comprehensive credit proposals, assign internal risk ratings, and recommend appropriate exposure limits.
 </li>
 <li>
 Evaluate entity-level risks including capital adequacy, asset quality, funding and liquidity profiles, earnings stability, and management quality.
 </li>
 </ul>
 
 
 2. Portfolio Management &amp; Risk Monitoring
 
 
 <ul>
 <li>
 Continuously monitor the credit portfolio for early warning signals, deteriorating credit metrics, and industry developments.
 </li>
 <li>
 Ensure periodic credit reviews are completed in line with internal policies and regulatory guidelines (e.g., Basel norms).
 </li>
 <li>
 Track macroeconomic, regulatory, and sectoral developments affecting portfolio counterparties.
 </li>
 </ul>
 
 
 3. Credit Support &amp; Stakeholder Coordination
 
 
 <ul>
 <li>
 Work closely with Relationship Managers (RMs) to support deal structuring, credit analysis, and approval processes.
 </li>
 <li>
 Present credit assessments and recommendations to Credit Committees.
 </li>
 <li>
 Ensure effective alignment of risk appetite with business objectives and transaction structures.
 </li>
 </ul>
 
 
 4. Relationship Management &amp; Market Intelligence
 
 
 <ul>
 <li>
 Develop and maintain relationships with senior stakeholders across financial institutions.
 </li>
 <li>
 Stay abreast of market trends, regulatory changes, monetary policies, and liquidity movements to proactively assess risks and opportunities.
 </li>
 </ul>
 
 
 5. Product Expertise &amp; Structuring
 
 
 <ul>
 <li>
 Demonstrate strong knowledge of FI-specific products such as:
 </li>
 <li>
 Trade Finance
 </li>
 <li>
 Syndicated Lending
 </li>
 <li>
 Custody Services
 </li>
 <li>
 Liquidity Management Solutions
 </li>
 <li>
 Provide input on product structuring and tailor credit solutions that balance client needs with the bank&rsquo;s risk appetite.
 </li>
 </ul>
 
 
 
 
 
 
 Key Requirements:
 
 
 
 
 
 
 <ul>
 <li>
 Bachelor's/Master&rsquo;s degree in Finance, Economics, Accounting, or related field; CFA/FRM qualifications are a plus.
 </li>
 <li>
 4&ndash;6 years of relevant experience in credit analysis or risk management within a bank or financial institution.
 </li>
 <li>
 In-depth knowledge of regulatory and rating frameworks.
 </li>
 <li>
 Excellent written and verbal communication skills for effective report writing and presentations.
 </li>
 <li>
 Strong stakeholder management and collaboration skills.
 </li>
 <li>
 Analytical mindset with the ability to manage multiple priorities in a fast-paced environment.
 </li>
 <li>
 Strong financial statement analysis and credit modelling skills.
 </li>
 </ul>
</div>

Credit Analyst - Financial Institutions

Loyal To Cumbria

We are looking for a diligent and detail-oriented Credit Analyst to join our finance team. The Credit Analyst will be responsible for assessing the creditworthiness of individuals, businesses, and organizations to support sound lending and investment decisions. This role involves analyzing financial data, preparing credit reports, and providing recommendations that balance risk with business opportunity. The ideal candidate has strong analytical skills, solid financial knowledge, and the ability to make objective, data-driven decisions.Key Responsibilities<ul><li>Evaluate the financial health of prospective and existing clients by analyzing financial statements, credit reports, and payment histories</li><li>Assess credit risk using quantitative models, ratio analysis, and other financial metrics</li><li>Prepare detailed credit assessments and present recommendations to management or credit committees</li><li>Monitor existing credit accounts for signs of deteriorating performance or potential risk exposure</li><li>Assist in setting appropriate credit limits and terms based on financial analysis and company policies</li><li>Conduct market and industry research to assess external factors that may impact credit risk</li><li>Support the development and implementation of credit risk management strategies and procedures</li><li>Collaborate with sales, finance, and legal teams to ensure alignment on credit policies and customer management</li><li>Maintain accurate and organized credit files and ensure compliance with company and regulatory requirements</li><li>Prepare regular reports and updates on credit portfolio performance</li></ul>QualificationsEducation:Bachelor s degree in Finance, Accounting, Economics, or a related fieldSkills<ul><li>Strong analytical and quantitative abilities with excellent attention to detail</li><li>Proficiency in Excel and financial analysis software; experience with systems such as Moody s RiskCalc, S&amp;P Capital IQ, or Bloomberg is an asset</li><li>Ability to interpret complex financial data and present findings clearly and concisely</li><li>Excellent written and verbal communication skills</li><li>Strong judgment and decision-making skills in evaluating credit risk</li><li>Ability to work independently and collaboratively in a fast-paced environment</li></ul>

Credit Analyst

First Abu Dhabi Bank

Position Overview First Abu Dhabi Bank (FAB), the largest bank in the UAE and a global leader in financial services, is seeking a detail-oriented and analytical Credit Analyst to join its Personal Banking Credit team in Dubai. The role focuses on reviewing, assessing, and recommending mortgage loan applications, ensuring credit risk is properly evaluated and aligned with internal policies. Ideal for a finance professional with a strong background in credit analysis and risk assessment in the banking sector. Job Details Location: United Arab Emirates Location: Dubai Industry: Banking / Mortgage Professionals Function: Financial Analysis Gender: Any Candidate Nationality: Any Candidate Preferred Location: Any Job Type: Full-time Key Responsibilities * Evaluate creditworthiness of clients by analyzing financial statements, bank data, and credit history * Prepare and review credit proposals related to mortgage loans in compliance with bank policies * Ensure all required documentation is complete, accurate, and aligned with regulatory and audit requirements * Highlight credit risks, policy deviations, and suggest risk mitigants in proposals submitted for approval * Monitor and manage exceptions such as incomplete or deferred security documents * Process applications through internal systems (e.g., CAS) within specified service level agreements * Conduct external verifications such as Employment Verification (EV) and Contact Point Verification (CPV) * Coordinate with other internal departments to support application processing and approvals * Maintain productivity reports and submit regular updates to the reporting manager * Maintain professional conduct and effective communication with internal stakeholders * Continuously update knowledge on regulatory standards, bank policies, and credit evaluation techniques Candidate Profile * Bachelor s degree in Business Administration, Finance, Banking, or related discipline * Minimum 3 years of experience in credit analysis or risk assessment, including 1 year in a similar role * Strong understanding of banking products, particularly in personal and mortgage lending * Knowledge of Central Bank regulations, credit risk policies, and underwriting practices * High attention to detail, accuracy, and confidentiality in reviewing financial data * Excellent communication and interpersonal skills for cross-functional coordination * Proficiency in internal banking systems and productivity reporting tools Why Join FAB At FAB, you will be empowered to take ownership of your work, contribute to meaningful projects, and grow within a progressive banking institution. FAB offers a collaborative culture, strong leadership support, and a commitment to excellence, diversity, and innovation.

Credit Analyst Personal Banking Mortgage Lending

Tamara

About the role 
Tamara s ambition is to become the region s favorite way to pay for what we call life s little essentials a new way of purchasing designed for and around our customers interests. We believe that great design has the ability to engage and inspire. 
 Role Overview: 
We are seeking a Product Manager II Consumer Credit to lead the underwriting strategy and execution across a suite of loan products, including Buy Now Pay Later (BNPL), Line of Credit, Purchase Financing, and Personal Loans.
You ll be responsible for shaping the product experiences, eligibility flows, and credit decisioning logic that underpin responsible, scalable lending. Working closely with the Credit Scoring PM, you will translate scoring outputs into business rules, partner with risk and data science teams to continuously optimize approval rates and losses, and ensure regulatory compliance.
This is a cross-functional role requiring strong collaboration with credit risk policy, data science, legal, engineering, and design teams, and a keen understanding of customer needs, risk trade-offs, and growth levers.
 Key Responsibilities: 
<ul>
<li>Productise the credit scoring by building services which helps users to understand their debt both internally and externally to enable gamification for users interacting with Tamara APP</li>
<li>Discover and own new/existing integrations for all alternate data sources used for scoring the users wrt enriching Demographics, Income and Expense data enabling better credit and fraud scoring efficiency</li>
<li>Liaise with the DS team to integrate new data models for fraud, credit and collections and unify the model integration gateway for other teams to consume score for respective use cases.</li>
<li>Own, simplify, define and supply customer segments based on each model enabling consumer teams to define GTM on targeted segments based on risk models</li>
</ul>
 What We re Looking For: 
<ul>
<li>5+ years of product management experience, ideally in consumer lending, fintech, or financial services</li>
<li>Proven experience working on credit, lending, or underwriting-related products</li>
<li>Familiarity with loan lifecycle management, including originations, servicing, and collections</li>
<li>Exposure to risk-based pricing, credit models, and regulatory constraints (e.g., KYC/AML, fair lending)</li>
<li>Strong problem-solving skills and ability to make trade-offs in a high-stakes environment</li>
<li>Strong data literacy; experience working with credit performance metrics and experimentation frameworks</li>
<li>Excellent stakeholder management and cross-functional communication</li>
<li>Able to collaborate closely with scoring, data science, credit policy, engineering, and customer-facing teams</li>
<li>Comfortable translating high-level goals into actionable product requirements</li>
</ul>
All qualified individuals are encouraged to apply.
To learn more about how we protect your privacy, please visit our Candidate privacy notice .

Product Manager II (Credit Scoring)

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

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 unsecured portfolios</li> <li>Analyze credit risks by utilizing reports, scorecards, risk systems, and expert judgment</li> <li>Evaluate moderately complex and variable credit issues with significant business impact</li> <li>Balance potentially conflicting data sources and develop actionable credit risk strategies</li> <li>Lead or support the preparation of Credit Portfolio Scorecards and trend analysis reports</li> <li>Assist with Business Monitoring and Review activities</li> <li>Prepare internal presentations for management and regulatory stakeholders</li> <li>Promote ethical decision-making and support risk and control issue transparency across the firm</li> </ul> What we ll need from you <ul> <li>5 8 years of relevant credit experience, preferably in a financial institution</li> <li>Bachelor s degree (or equivalent experience) in Finance, Accounting, Economics, Computer Science, or a related field</li> <li>Intermediate to advanced proficiency in Microsoft Office tools (Excel, PowerPoint etc.)</li> <li>Strong English written and verbal communication skills</li> <li>Excellent time management, organizational, and analytical abilities</li> <li>Experience with SQL and fluency in Arabic is a plus</li> </ul> By joining Citi Dubai, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) and enjoy a whole host of additional benefits that support you (and your family) to be well, live well and save well. Discover more HERE. Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.

AVP, Credit Portfolio Senior Analyst (UAE Nationals Only)

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

Explore 3471+ Credit product analyst in Dubai United Arab Emirates this November. Find roles across top companies and apply now to boost your career.