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credit risk analytics manager

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

Deloitte

Core Duties
<ul>
<li>Lead client engagements related to credit risk modeling, IFRS 9 ECL methodology, and regulatory compliance</li>
<li>Develop, validate, and implement credit risk models including PD, LGD, and EAD frameworks</li>
<li>Provide advisory support on risk rating methodologies, underwriting processes, and risk management policies</li>
<li>Advise on allowance for credit losses, pricing models, and credit risk reporting in line with CECL and IFRS 9</li>
<li>Work with Deloitte teams across Financial Advisory, Consulting, and Tax to deliver multi-disciplinary projects</li>
<li>Prepare proposals, build marketplace relationships, and identify business growth opportunities</li>
<li>Manage audits related to credit risk processes and liaise with auditors for effective outcomes</li>
<li>Mentor and supervise staff at all levels, providing training, performance reviews, and professional guidance</li>
<li>Stay informed on industry trends and propose innovative solutions to clients</li>
</ul>

Senior Manager Credit Risk Modeling Audit and Assurance

Citi

<div>The Credit Risk Analyst II is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.
 
 
Responsibilities:<ul>
<li>The primary focus of the position is data quality support of global contract negotiations and trades which includes document review, data entry, exception reporting along with document scanning and document warehousing.
</li><li>The ideal candidate must have excellent technical skills and the ability to learn and work with a very complex in-house data management system.
</li><li>The position will require gaining a detailed familiarity with Citi&rsquo;s standard forms of documentation, technology, and internal procedures.
</li><li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul> 

Qualifications:<ul>
<li>0-2 years relevant experience</li>
<li>Makes judgments and recommendations based on analysis and specialty area knowledge.
</li><li>Researches and interprets factual information.
</li><li>Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices.
</li><li>Exchanges information in a concise and consistent way as well as be sensitive to diverse audience</li>
</ul> 
Education:<ul>
<li>Bachelor&rsquo;s/University degree or equivalent experience</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. 
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Risk Analyst (UAE Nationals Only)

United States Citigroup

The Credit Risk Analyst II is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. Responsibilities: <ul> <li>The primary focus of the position is data quality support of global contract negotiations and trades which includes document review, data entry, exception reporting along with document scanning and document warehousing. </li> <li>The ideal candidate must have excellent technical skills and the ability to learn and work with a very complex in-house data management system. </li> <li>The position will require gaining a detailed familiarity with Citi s standard forms of documentation, technology, and internal procedures. </li> <li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li> </ul> Qualifications: <ul> <li>0-2 years relevant experience</li> <li>Makes judgments and recommendations based on analysis and specialty area knowledge. </li> <li>Researches and interprets factual information. </li> <li>Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. </li> <li>Exchanges information in a concise and consistent way as well as be sensitive to diverse audience</li> </ul> Education: <ul> <li>Bachelor s/University degree or equivalent experience</li> </ul>

Responsibilities:<ul> <li>The primary focus of the position is data quality support of global contract negotiations and trades which includes document review, data entry, exception reporting along with document scanning and document warehousing.</li> <li>The ideal candidate must have excellent technical skills and the ability to learn and work with a very complex in-house data management system.</li> <li>The position will require gaining a detailed familiarity with Citi s standard forms of documentation, technology, and internal procedures.</li> <li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li> </ul> Qualifications: <ul> <li>0-2 years relevant experience</li> <li>Makes judgments and recommendations based on analysis and specialty area knowledge.</li> <li>Researches and interprets factual information.</li> <li>Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices.</li> <li>Exchanges information in a concise and consistent way as well as be sensitive to diverse audience</li> </ul> Education: <ul> <li>Bachelor s/University degree or equivalent experience</li> </ul>

Credit Risk Analyst

PayTech Group

DIVISION: Consumer 
 REPORTS TO: Group CEO / Executive Committee
 RELEVANT EXPERIENCE: 15+ years in risk management, with a minimum of 5 years in a senior leadership role within lending or financial services. Demonstrated success in building and leading enterprise risk functions in regulated environments.
 MANDATORY REQUIREMENTS**: 
<ol> <li>Proven expertise in credit, operational, market, compliance, and repetitional risk.</li> <li>Strong understanding of regulatory frameworks (e.g., Basel III, IFRS 9, local central bank regulations).</li> <li>Experience with digital lending platforms and fintech risk models.</li> <li>Board-level communication and stakeholder engagement.</li> <li>Professional certifications such as FRM, PRM, CFA, or equivalent.</li> <li>Fluent in English; Arabic is a plus</li> </ol>
 
 PURPOSE OF THE PROJECT 
The Chief Risk Officer (CRO) will lead the development and execution of a comprehensive risk management framework tailored to the clients lending operations. To establish and lead a robust, enterprise-wide risk management framework that aligns with the clients strategic objectives in the lending domain. The CRO will ensure that all risk types are proactively identified, assessed, mitigated, and monitored, enabling sustainable growth and regulatory compliance.
 
 Key Activities 
 Core Responsibilities and Accountabilities 
<ul> <li>Develop and execute the enterprise risk strategy, policies, and procedures.</li> <li>Conduct comprehensive risk assessments of the lending portfolio and operations.</li> <li>Design and implement a risk governance framework aligned with regulatory and internal standards.</li> <li>Oversee risk identification, measurement, and mitigation across all lending products.</li> <li>Lead the development of risk appetite statements and tolerance thresholds.</li> <li>Establish risk reporting mechanisms and dashboards for executive and board-level visibility.</li> <li>Ensure regulatory compliance and manage relationships with external regulators and auditors.</li> <li>Present risk insights and recommendations to the Board Risk Committee.</li> <li>Collaborate with business units to embed risk-aware decision-making.</li> <li>Drive the implementation of risk technology tools and analytics platforms.</li> <li>Build and mentor a high-performing risk team.</li> </ul>
 
 KPIs 
<ul> <li> Reduction in non-performing loan (NPL) ratio</li> <li>Risk-adjusted return on capital (RAROC)</li> <li>Regulatory compliance score (zero non-conformities)</li> <li>Time-to-resolution for risk incidents</li> <li>Risk model accuracy and predictive performance</li> <li>Employee risk awareness index (via internal surveys)</li> <li>Timely and accurate regulatory reporting.</li> <li>Frequency and severity of risk incidents.</li> <li>Board satisfaction with risk reporting and governance.</li> <li>Implementation rate of risk mitigation actions.</li> </ul>
 
 Knowledge and Experience 
<ul> <li> Experience: 15-20 years in financial services, with at least 5 years in a senior risk leadership role. Experience in digital lending, fintech, or embedded finance is a strong differentiator</li> <li>Education: Bachelors degree in Finance, Economics, Business, or related field. A Masters degree (e.g., MBA or MSc in Risk Management) is highly preferred</li> <li>Certifications: FRM (Financial Risk Manager), PRM (Professional Risk Manager), CFA, or equivalent regulatory licenses are increasingly expected</li> <li>Deep knowledge of credit risk modelling, stress testing, and capital adequacy.</li> <li>Familiarity with digital lending ecosystems and embedded finance.</li> <li>Experience with enterprise risk systems (e.g., SAS, Moodys RiskCalc, Oracle FCCM).</li> <li>Strong analytical, communication, and leadership skills.</li> </ul>
 
 Mandatory Skills** 
<ul> <li> Strategic planning and execution</li> <li>Product innovation and lifecycle management</li> <li>Credit risk and portfolio analytics</li> <li>Regulatory compliance and governance</li> <li>Cross-functional leadership and communication</li> <li>Agile project delivery and digital transformation</li> </ul>

Head of Risk

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 6541+ Credit risk analytics manager in Dubai this November. Find roles across top companies and apply now to boost your career.

6541 credit risk analytics manager jobs IN Dubai

Head of Credit and Analytics

Senior Manager Credit Risk Modeling Audit and Assurance

Credit Risk Analyst (UAE Nationals Only)

Credit Risk Analyst (UAE Nationals Only)

Credit Risk Analyst

Head of Risk

Credit Portfolio Analyst