Credit Analyst
Company Overview:
We are a rapidly expanding and innovative FinTech organization in the UAE, dedicated to revolutionizing the lending landscape through advanced technology and data-driven financial solutions. We operate with an “educational family” philosophy, where expertise in digital risk assessment and modern credit frameworks is shared to foster professional growth. At our firm, we believe that the stability of our lending ecosystem is built on the precise management of credit risk and the continuous optimization of automated underwriting systems. Join our high-growth team and contribute to an environment that values analytical integrity, financial technology mastery, and the strategic support of the UAE’s SME sector.
Job Description:
A rapidly expanding FinTech organization in the UAE is seeking a skilled and detail-oriented Credit Analyst to join its team in Abu Dhabi. This role is fundamental to our risk management strategy, requiring a professional with hands-on exposure to evaluating credit risk within SME lending portfolios. You will play a key role in assessing credit applications, performing deep-dive financial analysis, and supporting data-driven lending decisions within a fast-paced, technology-driven ecosystem. We are looking for an individual who understands modern risk evaluation frameworks and thrives in a digital-first financial environment. This is a brilliant opportunity to advance your career within a dynamic organization and contribute to impactful, technology-led lending solutions.
🔹 Key Responsibilities:
- Assess the creditworthiness of SME clients by reviewing complex financial statements and bank records.
- Prepare comprehensive credit appraisal and risk assessment reports for senior management review.
- Perform detailed financial analysis to evaluate repayment capacity and identify potential associated risks.
- Continuously monitor existing loan portfolios and identify early warning signals of credit deterioration.
- Collaborate closely with underwriting, sales, and risk teams to facilitate informed lending decisions.
- Ensure full compliance with internal credit policies and evolving UAE financial regulatory standards.
- Liaise with Information Technology teams to optimize automated underwriting algorithms.
- Assist Human Resources in documenting departmental performance metrics for incentive evaluations.
🔹 Requirements:
- Bachelor’s Degree in Finance, Accounting, Business Administration, or Economics.
- 4–5 years of hands-on experience specifically within the FinTech or Digital Lending sectors.
- Proven ability to evaluate SME credit risk and perform advanced financial modeling.
- Strong understanding of automated underwriting systems and modern risk management tools.
- Excellent analytical skills with a focus on data integrity and precision.
- High level of proficiency in IT tools, particularly advanced MS Excel and risk analysis software.
- Solid background in education regarding UAE financial laws and SME lending landscape.
- A results-oriented mindset with the ability to thrive in a high-pressure, technology-driven environment.
What We Offer:
- Attractive monthly salary package ranging from AED 10,000 to 11,000 (Adjusted).
- Performance-based incentives and clear career progression opportunities.
- Exposure to innovative digital lending technologies and structured credit frameworks.
- The opportunity to be part of a fast-growing, prestigious FinTech organization.
- Comprehensive benefits in accordance with UAE Labour Law.