Assistant Manager - Credit Underwriting (Digital Payment)

Emirates Post Group; Dubai; On-site; AED 180,000 - 260,000; Full time

Job summary

Emirates Post Group in Dubai seeks an Assistant Manager Credit Underwriting to evaluate creditworthiness of retail and corporate clients and support credit decisions.

You will analyze loan applications, financial statements, and documentation, conduct risk assessments, and ensure adherence to credit policies and regulatory requirements.

Collaborate with sales, operations, legal, valuation and compliance teams to secure timely decisions, improve processes, and maintain portfolio quality.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 5–8 years of experience in credit underwriting, risk assessment, or lending operations.
• Experience in banking, NBFC, or fintech preferred.
• Professional qualifications (CA, CFA, MBA – Finance) preferred.

Responsibilities

• Analyze loan applications, financial statements, and supporting documentation to assess borrower creditworthiness.
• Conduct detailed credit risk analysis including income verification, cash flow analysis, and repayment capacity.
• Evaluate credit proposals for retail, SME or corporate segments and provide recommendations.
• Ensure adherence to internal credit policies, lending guidelines and regulatory requirements.
• Identify potential risks and recommend mitigants; review credit scores and financial ratios.
• Assist in structuring loan proposals including collateral evaluation and risk grading.
• Support decision-making by preparing credit appraisal notes and reports.
• Monitor existing credit portfolio performance and highlight early warning signals.
• Collaborate with sales, operations, legal, valuation and compliance teams for due diligence.

Skills

Credit analysis

Financial statement interpretation

Risk assessment

MS Excel

Credit underwriting systems

Communication & stakeholder management

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Professional qualifications (CA, CFA, MBA – Finance) preferred

Tools

Credit underwriting systems

Job description

The Assistant Manager Credit Underwriting

is responsible for evaluating creditworthiness assessing financial risks and supporting credit decision-making for retail and or corporate clients The role ensures compliance with internal credit policies regulatory requirements and risk management frameworks while maintaining portfolio quality

Credit Assessment Underwriting

• Analyze loan applications financial statements and supporting documentation to assess borrower creditworthiness
• Conduct detailed credit risk analysis including income verification cash flow analysis and repayment capacity
• Evaluate credit proposals for retail SME or corporate segments as applicable and provide recommendations
• Ensure adherence to internal credit policies lending guidelines and regulatory requirements

Risk Evaluation Decision Support

• Identify potential risks and recommend appropriate mitigants
• Review credit scores bureau reports and financial ratios
• Assist in structuring loan proposals including collateral evaluation and risk grading
• Support decision‑making by preparing credit appraisal notes and reports

Portfolio Monitoring

• Monitor existing credit portfolio performance and highlight early warning signals
• Assist in periodic reviews of accounts and limit renewals
• Work closely with collections and risk teams to manage delinquent accounts

Stakeholder Coordination

• Liaise with sales and operations teams to obtain required documentation
• Coordinate with legal valuation and compliance teams for due diligence
• Support internal external audits and ensure timely closure of audit observations

Process Improvement

• Identify opportunities to enhance underwriting processes and turnaround time
• Contribute to automation initiatives and policy updates

Knowledge & SkillsEssential

• Strong knowledge of credit analysis, financial statement interpretation, and risk assessment
• Familiarity with credit bureau reports and risk rating models
• Proficiency in MS Excel and credit underwriting systems

Preferred

• Strong analytical and problem-solving abilities
• Attention to detail and decision-making skills
• Excellent communication and stakeholder management
• Ability to work under pressure and meet deadlines

Educational Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field
• Relevant Experience5–8 years of experience in credit underwriting, risk assessment, or lending operations
• Experience in banking, NBFC, or fintech preferred
• Professional qualifications (CA, CFA, MBA – Finance) preferred