Credit Analyst​/Manager

Join a high-growth fintech transforming SME finance across the UAE. Shape credit strategy within a fast-growing lending platform.

• Assess SME credit applications, evaluating financial performance, cash flows, receivables and existing debt obligations.
• Conduct detailed financial statement analysis to determine repayment capacity and assess creditworthiness.
• Prepare comprehensive credit proposals, risk assessments and lending recommendations.
• Evaluate financing requirements and structure appropriate solutions to support clients’ working capital needs.
• Assess invoice financing, receivables financing and other SME lending opportunities.
• Engage directly with clients to understand their business models, financial position and financing requirements.
• Monitor existing credit exposures, identify early warning indicators and recommend appropriate risk mitigation measures.
• Support portfolio reviews, facility renewals and amendments, as well as new client assessments.
• Contribute to the development and enhancement of credit policies, underwriting standards and risk frameworks.
• Identify opportunities to improve credit processes through technology, automation and data-led assessment.
• Support the continued development and expansion of the credit function.

• 5-8 years of experience in credit analysis, underwriting or lending.
• Experience with in SME Banking, Business Banking, Commercial Banking or SME Lending.
• Proven experience preparing credit proposals and making lending recommendations.
• Exposure to working capital facilities, invoice financing or receivables financing is advantageous.
• UAE market experience is preferred.

• Strong understanding of financial statement analysis, cash flow assessment and repayment capacity.
• Strong commercial judgement and decision-making capabilities.
• Proactive and comfortable operating in a fast-paced, evolving environment.
• Interest in fintech, digital transformation and process improvement.

Global professional recruitment consultancy and part of London listed Page Group. The firm specialises in qualified professional and management hiring across finance, banking, technology, engineering, property and construction, legal, human resources, sales, marketing, and supply chain. Its Middle East business operates from Dubai and publishes widely used regional salary guides.