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Aventus

<div>
 
 
 Title:
 
 Credit Risk Analyst (UAEN)
 
 
 
 Location:
 
 Dubai
 
 
 
 
 
 
 About the Client
 
 
 
 Our client, a prominent financial institution in Dubai, is seeking a Credit Risk Analyst to join their Risk Management team. This role focuses on evaluating credit proposals, monitoring portfolio risk, and ensuring compliance with internal policies and regulatory standards.
 
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Review and analyze credit proposals, assessing financials, repayment capacity, and collateral adequacy.
 </li>
 <li>
 Conduct due diligence and creditworthiness assessments for individuals and corporate clients.
 </li>
 <li>
 Prepare detailed credit reports with recommendations.
 </li>
 <li>
 Assign risk ratings using internal scoring models and ensure compliance with credit policies and regulations.
 </li>
 <li>
 Support Credit Committee preparations and approvals.
 </li>
 <li>
 Monitor portfolio performance, identify early warning signals, and suggest risk mitigation measures.
 </li>
 <li>
 Prepare regular credit risk reports, dashboards, and Key Risk Indicators (KRIs).
 </li>
 <li>
 Ensure adherence to Central Bank regulations and assist with ICAAP, IFRS9, and stress testing data.
 </li>
 <li>
 Contribute to credit policy reviews and development of risk models and frameworks.
 </li>
 <li>
 Collaborate with Relationship Managers and business teams to ensure quality credit submissions and compliance.
 </li>
 </ul>
 
 
 
 
 
 Key Requirements
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Accounting, Economics, Business, or related field.
 </li>
 <li>
 1&ndash;5 years&rsquo; experience in Credit Risk or Corporate Credit Analysis - fresh graduates with strong academics may be considered.
 </li>
 <li>
 Strong financial analysis and credit assessment skills.
 </li>
 <li>
 Good understanding of financial statements, ratios, and cash flow analysis.
 </li>
 <li>
 Proficient in MS Excel and PowerPoint; experience with risk systems is a plus.
 </li>
 <li>
 Knowledge of IFRS9, risk rating models, and credit regulations preferred.
 </li>
 <li>
 Detail-oriented with strong analytical and problem-solving skills.
 </li>
 <li>
 Excellent communication and report-writing abilities.
 </li>
 </ul>
 
 
</div>

Credit Risk Analyst (UAEN)

FlapKap

<div>The Collection Manager is responsible for leading and optimizing the company&rsquo;s collections function across all lending and credit products. This role oversees early-stage, mid-stage, and late-stage collections, ensuring regulatory compliance in the UAE, maintaining portfolio health, and improving recovery performance while delivering an excellent customer experience.
Responsibilities:
<h3 class="jobSectionHeader">1. Collections Strategy &amp; Operations:</h3><ul><li>Develop and implement effective collections strategies for digital lending, RNPL, credit lines, or micro-financing products.</li><li>Monitor daily, weekly, and monthly collection performance; identify gaps and drive continuous improvement.</li><li>Manage early-stage (soft collections) and late-stage (hard collections) processes, including skip tracing and field collections where applicable.</li><li>Manage and oversee relationships with external service providers, including collection agencies and legal firms, to ensure timely follow up and execution of legal actions on defaulting clients in alignment with company policy.</li><li>Optimize contact strategies across channels (SMS, email, WhatsApp, in-app notifications, &hellip;).</li></ul><h3 class="jobSectionHeader">
2. Compliance &amp; Risk Management</h3><ul><li>Ensure all collection activities comply with UAE laws and Central Bank of the UAE (CBUAE) regulations.</li><li>Develop and maintain policies, SOPs, and governance standards for collections.</li><li>Identify high-risk accounts and recommend escalations, restructures, or settlements based on company guidelines.</li></ul>
<h3 class="jobSectionHeader">3. Customer Experience &amp; Relationship Management</h3><ul><li>Maintain high service standards to preserve customer relationships while achieving recovery targets</li><li>Resolve escalated customer issues and disputes professionally.</li><li>Collaborate with customer support, risk, and product teams to address systemic issues affecting repayments.</li></ul><h3 class="jobSectionHeader">
4. Reporting &amp; Analytics</h3><ul><li>Track portfolio performance (DPD buckets, roll rates, NPL ratios).</li><li>Prepare management reports with insights, forecasts, and performance dashboards.</li><li>Leverage data analytics tools to segment customer cohorts and improve collection efficiency.</li></ul><h3 class="jobSectionHeader">
5. Systems &amp; Technology</h3><ul><li>Work closely with product and engineering teams to enhance digital collection tools, automated reminders, and scorecards.</li><li>Utilize CRM and collections systems for tracking workflows and maintaining accurate customer records.</li><li>Support the integration of AI-driven or data-based collection strategies.</li></ul> 
Requirements<ul><li>Bachelor&rsquo;s degree in Business, Finance, Accounting, or related field.</li><li>7+ years of experience in collections, credit operations, or risk, ideally in fintech, banking, or digital lending.</li><li>Strong knowledge of UAE financial regulations and debt collection practices.</li><li>Experience in a fintech startup or digital-first lending environment is a huge plus.</li></ul>
Benefits<ul><li>Competitive Salaries
</li><li>Hybrid working environment
</li><li>Paid time off
</li><li>Healthcare coverage
</li><li>A highly collaborative team environment that will support your professional and personal growth
</li><li>A culture that promotes Work-Life balance and Wellbeing
</li><li>A culture of learning and innovation</li></ul></div>

Collection Manager - UAE

RAKBANK

<div>
 
 At RAKBANK, we believe in fostering a culture of innovation, growth, and excellence. We are not just a bank &ndash; we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance.
 
 
 
 
 Join us in co-creating the future of RAKBANK!
 
 
 
 
 
 
 Job Description
 
 
 
 
 
 About the Role
 
 
 
 
 
 This role is focused on managing and growing a portfolio of SME clients by providing tailored trade finance and working capital solutions. This role involves building strong client relationships, understanding their financial needs, and offering structured trade finance products (such as letters of credit, bank guarantees, supply chain financing, working capital loans, commercial loan) to optimize their liquidity and operational efficiency. The role drives profitability through client-centric relationship management, cross-selling initiatives, credit risk oversight, and exceptional service delivery. This role reports to Associate Vice President - SME Coverage.
 
 
 
 
 
 What You&rsquo;ll Be Doing
 
 
 
 
 <ul>
 <li>
 Develop and maintain strong relationships with SME clients, understanding their trade cycles and working capital requirements.
 </li>
 <li>
 Analyze clients&rsquo; cash flow cycles and recommend working capital optimization strategies
 </li>
 <li>
 Manage and expand a portfolio of SME clients to achieve annual business targets.
 </li>
 <li>
 Conduct in-depth analysis of clients' business models and financial requirements to provide tailored banking solutions
 </li>
 <li>
 Identify opportunities to cross-sell SME banking solutions including POS Lending, Asset-Backed Lending, Supply Chain Finance, and Cash Management
 </li>
 <li>
 Drive revenue generation while upholding strong credit quality standards.
 </li>
 <li>
 Prepare comprehensive credit proposals with detailed financial and risk analyses
 </li>
 <li>
 Monitor portfolio performance, identify early warning signs, and implement appropriate risk mitigation strategies
 </li>
 <li>
 Ensure timely renewal and restructuring of credit facilities in line with internal and regulatory policies
 </li>
 <li>
 Partner with internal teams (Credit, Operations, Compliance) to deliver seamless service execution
 </li>
 <li>
 Address and resolve client queries promptly to maintain high satisfaction and retention levels
 </li>
 <li>
 Maintain up-to-date knowledge of market trends, regulations, and industry dynamics
 </li>
 <li>
 Utilize insights to provide advisory services and identify opportunities for business growth.
 </li>
 </ul>
 
 
 What We&rsquo;re Looking For
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Economics, Business Administration, or a related field (MBA or CFA preferred)
 </li>
 <li>
 7&ndash;10 years of experience in SME Banking, including business development and relationship management
 </li>
 <li>
 Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 
 
 What We're Looking For:
 
 
 
 
 <ul>
 <li>
 
 Education:
 
 Bachelor&rsquo;s degree in finance, Economics, Business Administration, or a related field (MBA or CFA preferred)
 </li>
 <li>
 
 Experience:
 
 7&ndash;10 years of experience in SME Banking, including business development and relationship management. Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region
 </li>
 </ul>
 
 
 Skills
 
 
 
 
 <ul>
 <li>
 Strong understanding of SME banking in UAE and lending products
 </li>
 <li>
 Strong understanding of credit analysis, financial statements, and lending structures
 </li>
 <li>
 Ability to interpret financial documents (P&amp;L, balance sheets).
 </li>
 <li>
 Excellent communication and interpersonal skills.
 </li>
 <li>
 Knowledge of UAE regulatory environment and corporate governance standards
 </li>
 <li>
 Familiarity with digital banking platforms and financial technology solutions
 </li>
 <li>
 Excellent communication, negotiation, and presentation skills
 </li>
 <li>
 Strategic thinking with strong commercial acumen
 </li>
 <li>
 High ethical standards and integrity
 </li>
 <li>
 Sales-driven with strong negotiation and closing skills
 
 
 </li>
 </ul>
 
 Additional Information
 
 
 
 
 
 What&rsquo;s In It For You:
 
 
 
 
 <ul>
 <li>
 Competitive, performance-linked compensation
 </li>
 <li>
 Medical coverage for you and your family
 </li>
 <li>
 Comprehensive life insurance
 </li>
 <li>
 Inclusive and diverse workplace culture
 </li>
 <li>
 Career development and fast-track growth opportunities
 </li>
 <li>
 Mentorship from industry experts
 </li>
 </ul>
</div>

Relationship Manager – SME Coverage

ACIES

Highlight of the engagement opportunity:&sect; Role: Full time role&sect; Number of years of experience expected: 2 to 3 years&sect; Areas of experience preferred: IFRS 9/ Ind AS 109, PD / LGD/ EAD model development and validation, experience with ECL calculation, clarity on the IFRS 9 standard &amp; regulatory asks&sect; Educational qualification expected: UAECA, ACCA (UK), Qualified CA (India)&sect; Additional qualifications/ certifications required: None&sect; Preferable additional certifications: CFA, FRM, MBA, Actuarial&sect; Preferred geography of previous work experience: UAE, other countries in Middle East&sect; Application experience preferable: MS Excel, VBA, Python, R, SASKey responsibility areas:&sect; Independently lead and manage consulting engagements with leading banks, financial institutions, NBFCs, insurance companies and corporates covering areas such as IFRS 9 model development, ECL computation, enhancing the approach to ECL and provisions along with other credit risk areas&sect; Demonstrate knowledge to banking, NBFC, corporate and insurance companies on various loan product and their characteristics including wholesale loans, auto loans, personal loans, mortgage finance, education loans, etc.&sect; Demonstrate knowledge of concepts related to default and recovery rate modelling including roll rate analysis, periodic default rates, statistical methods including regression models, Markov chains, etc.&sect; Lead and drive day-to-day execution of client projects.&sect; Lead hiring and mentoring initiatives to expand and upskill execution and delivery team for engagements&sect; Design and monitor detailed project plans for assigned engagements&sect; Directly report and provide detailed updates to business unit leader for all assigned engagements on an on-going basis&sect; Lead and actively participate in designing proposals, RFP responses and pitches for business development pursuitsKey performance metrics:&sect; Adherence to project delivery timelines&sect; Adherence to the firm&rsquo;s standards for processes and quality&sect; Project profitability&sect; Client feedback&sect; Feedback from counselor and other team membersOther expectations:&sect; An &ldquo;ownership attitude&rdquo; whose passion for solving issues and creating value&sect; Strong analytical and logical skills&sect; Strong business writing and oral communication skills&sect; Collaborative and partnership-oriented and ready to work as a team member.&sect; Demonstrated ownership over deliverables and project engagement.&sect; Ability to handle highly challenging and time-bound projects with a positive mindset.Other important information:&sect; Work permit requirements: Either UAE Citizen or having valid work permit to work in UAE.&sect; Period of engagement: Full time role&sect; Probation period: 6 months&sect; Compensation: Compensation varies depending on the skill, fitment and role played by the person. Compensation discussions will take place post the selection process.&sect; Performance incentives: Typically, all roles at Acies have a performance incentive. Specific aspects will be discussed during the compensation discussion.&sect; Leave: National holidays, sick leaves, maternity and paternity, bereavement and studies vary based on the city and country of engagement.&sect; Other benefits: Other employment benefits including medical insurance will be informed during the compensation discussion.&sect; Career growth for full-time roles: Acies believes in a transparent and data-based performance evaluation system. You are encouraged to clarify any questions you have with respect to career growth with Acies personnel you interact with during the selection process.&sect; Career opportunities for part-time roles: Conversion of part-time roles to full-time roles depends on both performance of the individual and business needs. You are encouraged to ask about the prospects as you interact with Acies personnel during the selection process.&sect; Global mobility: Acies encourages mobility across our offices. Such mobility is, however, subject to business needs and regulations governing immigration and employment in various countries.Selection process:We seek to be transparent during the selection process. While the actual process may vary from the process indicated below, the key steps involved are as follows:&sect; Interview:&sect; There are expected to be at least two rounds of interviews with the Acies team.&sect; Following the above, there are expected to be at least two rounds of interviews with the respective client team.The number of interview rounds may vary depending on the criticality and seniority of the role.&sect; Final discussion on career and compensation: Post final selection, a separate discussion will be set up to discuss compensation and career growth. You are encouraged to seek any clarifications.Preparation required: It is recommended that you prepare the following aspects before the selection process:&sect; Understanding of products / exposures in the financial services industry (Banks / NBFC / Insurance)&sect; Demonstrate knowledge about credit risk modelling, PD, LGD, ECL, etc.&sect; Demonstrate experience of various methodologies used for modelling default rates, credit scores, recovery rates, etc.Job Types: Full-time, Permanent, Contract Contract length: 12 monthsPay: AED72,000.00 - AED96,000.00 per yearAbility to commute/relocate:<ul><li>Dubai: Reliably commute or planning to relocate before starting work (Required)</li></ul>Education:<ul><li>Bachelor's (Required)</li></ul>Experience:<ul><li>Banking or a banking client facing role based consulting: 2 years (Required)</li><li>Credit risk management &amp; modelling: 2 years (Required)</li></ul>Location:<ul><li>Dubai (Required)</li></ul>

Credit Risk Analyst

BCC Group International

Credit Controller (3&ndash;4 Years Experience) &ndash; Immediate JoinerLocation: Job Type: Full-Time Experience: 3&ndash;4 years Joining Requirement: Only candidates who can join within 1 week should applyJob OverviewWe are hiring an experienced Credit Controller responsible for managing accounts receivable, credit evaluation, and timely collections. The ideal candidate must be able to join immediately or within 1 week.Key Responsibilities<ul><li>Follow up on outstanding invoices and manage collections</li><li>Maintain and update AR aging reports</li><li>Resolve payment discrepancies and coordinate with sales/finance teams</li><li>Assess customer credit limits and manage credit risks</li><li>Prepare collection reports and ensure timely cash flow</li></ul>Requirements<ul><li>3&ndash;4 years of experience in Credit Control / Accounts Receivable</li><li>Strong communication and negotiation skills</li><li>Proficiency in Excel and ERP systems</li><li>Ability to handle high-volume follow-ups</li><li>Immediate joiners only (1 week max)</li></ul>How to ApplyPlease apply only if you can join immediately or within 7 days.Job Types: Full-time, PermanentPay: AED5,000.00 - AED7,000.00 per month

Credit Controller

Accor

<div></div><div><div><h3 class="jobSectionHeader">Job Summary</h3>

As Assistant Credit Manager supports the Cluster Director of Finance in evaluating customer creditworthiness, managing credit limits, reducing financial risk, and ensuring timely collection of outstanding accounts. This role involves analyzing financial data, maintaining credit records, coordinating with sales and finance teams, and assisting in developing credit policies to support healthy cash flow and minimize bad debt.

Credit Assessment &amp; Approval
<ul>
<li>Review and analyze customer credit applications, financial statements, credit reports, and payment history.</li>
<li>Assist in determining appropriate credit limits and terms based on risk assessment.</li>
<li>Monitor customer credit performance and report significant changes or risks.</li>
<li>Support the approval and setup of new customer accounts.</li>
</ul>
Accounts Receivable &amp; Collections
<ul>
<li>Monitor aging reports and follow up on overdue accounts.</li>
<li>Coordinate with customers to resolve billing issues or payment delays.</li>
<li>Escalate high-risk accounts and recommend appropriate actions (holds, collections, negotiations).</li>
<li>Assist in achieving monthly cash collection targets.</li>
</ul>
Risk Management
<ul>
<li>Identify potential credit risks and propose strategies to mitigate bad debt exposure.</li>
<li>Update and maintain accurate credit files and customer documentation.</li>
<li>Assist in conducting periodic reviews of existing customer credit limits.</li>
</ul>
Process Support &amp; Reporting
<ul>
<li>Prepare regular reports on credit exposures, overdue accounts, and collection status.</li>
<li>Assist the Credit Manager in developing and implementing credit policies and procedures.</li>
<li>Support audits by providing documentation and credit-related data.</li>
<li>Work closely with the sales, finance, and operations teams to ensure smooth order processing and dispute resolution.</li>
</ul><h3 class="jobSectionHeader">Qualifications</h3>

Skills &amp; Qualifications
<ul>
<li>Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, or related field.</li>
<li>Strong analytical and numerical skills.</li>
<li>Good understanding of credit analysis, financial statements, and risk assessment.</li>
<li>Proficiency with spreadsheets and accounting/ERP systems.</li>
<li>Excellent communication and negotiation skills.</li>
<li>Experience in credit control, accounts receivable, or financial analysis.</li>
<li>Familiarity with credit scoring tools and trade credit insurance.</li>
<li>Strong attention to detail and ability to work under deadlines.</li></ul></div></div>
 <div></div><ul><li>Company: Accor Hotels</li> <div></div><li>Employment Type: Full Time</li> <div></div><li>Education Level: Bachelor</li> <div></div><li>Gender: Mixed</li> <div></div><li>Job Type: Accountant</li></ul>

Assistant Credit Manager

Manlift Middle East LLC

Company: Manlift Middle East LLCJob Title: Credit Control ManagerReporting to: Finance Manager - UAEIndustry: Aerial Work PlatformAbout the Company:Manlift is an international company specialising in renting and selling aerial work platforms and related machinery of renowned brands which include JLG, Genie &amp; Teupen among others. Over the years, Manlift has grown into a specialist in the area of working safely and efficiently at heights across the UAE, Qatar and India. By continuously investing in people, quality and innovation, Manlift has become a leading international player. With its international operation and support, Manlift can offer its customers the best possible service wherever they are.Purpose of the Role: This role is responsible for overseeing the day-to-day finance and accounting activities for Manlift&rsquo;s businesses. The position will also support the Finance Manager in driving business performance through revenue enhancement and effective cost control.Tasks and responsibilities:1. Credit Policy &amp; Governance<ul><li>Develop and implement credit control policies, procedures, and approval matrices.</li><li>Evaluate credit worthiness of customers using financial analysis, credit reports, trade references, and internal policies.</li><li>Review and recommend customer credit limits to management.</li><li>Ensure compliance with company credit policy, IFRS requirements, and audit standards.</li></ul>2. Customer Credit Management<ul><li>Conduct credit checks for new customers and periodic reviews of existing customers.</li><li>Monitor ageing of receivables and identify high-risk customers.</li><li>Approve or recommend terms of payment, credit periods, and special arrangements.</li><li>Work closely with commercial teams on onboarding processes and customer risk assessment.</li></ul>3. Collections &amp; Receivables Management<ul><li>Lead, manage, and motivate the collections team to ensure timely receipt of outstanding payments.</li><li>Monitor daily, weekly, and monthly collections performance.</li><li>Implement proactive collection strategies to reduce Days Sales Outstanding (DSO).</li><li>Ensure timely follow-up of overdue accounts and initiate escalation protocols.</li><li>Handle complex or major customer accounts directly.</li></ul>4. Dispute Resolution/Legal<ul><li>Identify and resolve billing, pricing, delivery, and contract-related disputes affecting collections.</li><li>Coordinate with sales, finance, operations, and customer service teams to resolve customer queries/credit notes.</li><li>Ensure timely issuance of credit notes and debit notes as per approval policies.</li><li>Liaison with external lawyers in taking legal action against defaulting customers, follow up on the cases and periodic meeting with lawyers to discuss various actions to recover the dues.</li></ul>5. Reporting &amp; Analysis<ul><li>Prepare monthly ageing analysis, DSO reports, forecasted collections, and overdue analysis reports.</li><li>Highlight red flags, doubtful debts, and slow-moving accounts to management.</li><li>Assist in provisioning for doubtful debts as per IFRS.</li><li>Present monthly performance PowerPoint for MBR.</li></ul>6. Process Improvement &amp; Systems<ul><li>Enhance automation of collections processes through ERP, CRM, or credit control systems.</li><li>Implement best practices to improve efficiency, reduce disputes, and strengthen controls.</li><li>Ensure accurate customer master creation and maintenance.</li></ul>7. Team Management<ul><li>Lead and supervise the credit control and collections team.</li><li>Provide training, coaching, and development for team members.</li><li>Set KPIs for team performance and monitor results.</li></ul>Skills &amp; Competencies:<ul><li>Strong knowledge of credit management principles, financial analysis, and risk assessment.</li><li>Excellent communication, negotiation, and stakeholder management skills.</li><li>High level of analytical ability and commercial acumen.</li><li>Strong command of ERP systems (SAP/Oracle/), Excel, and reporting tools.</li><li>Ability to manage pressure, deadlines, and difficult conversations professionally.</li></ul>Qualifications &amp; Experience:<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, or Business.</li><li>Professional qualifications (CMA/ACCA/CPA/CFA) an added advantage.</li><li>5&ndash;10 years of experience in credit control, receivables, or finance operations.</li><li>Experience in managing collections for large key accounts and high transaction volumes.</li><li>Prior experience in contracting and Construction industries preferred.</li></ul>Job Types: Full-time, Permanent

Credit Control Manager - UAE

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