Business Analyst Lead- Credit Risk & lending

Unity Infotech; Dubai; On-site; AED 420,000 - 680,000; Full time

Job summary

Unity Infotech in Dubai seeks an experienced Business Analyst Lead – Credit Risk and Lending to drive BA efforts across credit origination, underwriting, risk rating, and monitoring programs. You will shape digital journeys, own backlog items, and guide cross-functional teams through Go-Live in a fast-paced, client-facing setting.

The role requires 8–10+ years in banking/financial services with strong credit risk expertise, plus Agile/ hybrid delivery experience and familiarity with UAE

Qualifications

• 8 to 10+ years of experience in banking/financial services, with at least 6 years in credit risk and lending.
• Functional expertise in credit processes across Micro/SME, Mid Corporate and Large Corporate segments.
• Experience leading BA on at least two end-to-end credit origination, loan origination system, or credit risk platform implementations.
• Track record crafting digital journeys and shaping product backlogs in a product owner or proxy product owner capacity.
• Hands-on use of generative AI tools in business analysis within data and control boundaries.
• Experience integrating credit platforms with spreading and rating engines, credit bureaux, registries and core banking.
• Experience of delegation-of-authority frameworks, credit committee workflows and post-approval processes.
• UAE or wider GCC banking experience with familiarity with CBUAE regulatory expectations.
• Experience in Agile, hybrid and vendor-led delivery models, including onsite engagements at client premises.
• Arabic language ability is advantageous.

Skills

Credit risk

Lending

Product ownership

Agile

Hybrid delivery

Vendor-led delivery

Arabic language

End-to-end delivery

Education

Bachelor’s degree (Banking/Finance/Business/IT)

Job description

Position

Business Analyst Lead – Credit Risk and Lending

Location

Dubai

8-10 Years of Experience

Required Qualification

1. 1. Bachelor’s degree (or equivalent) in Banking and Finance, Business Administration, Accounting, Economics, Information Technology or a related field.
2. 2. CBAP (Certified Business Analysis Professional) or PBA (Professional in Business Analysis) certification is preferred.
3. 3. A product ownership certification (for example PSPO, CSPO or SAFe POPM) is preferred.

Preferred experience

1. 1. 8 to 10+ years of overall experience in banking or financial services, primarily in business analysis, including at least 6 years in the credit risk and lending space – credit origination, underwriting, credit decisioning, risk rating or credit monitoring programmes.
2. 2. Demonstrable functional expertise in the credit and business processes of Micro / SME, Mid Corporate and Large Corporate segments, with a working understanding of how credit is assessed, approved and monitored in practice.
3. 3. Experience leading business analysis on at least two end‑to‑end credit origination, loan origination system, credit decisioning or credit risk platform implementations, taken from requirements through Go‑Live.
4. 4. A track record of crafting digital journeys and shaping product backlogs in a product owner or proxy product owner capacity.
5. 5. Hands‑on use of generative AI tools in business analysis – drafting requirements, process flows and indicative wireframes – within appropriate data and control boundaries.
6. 6. Experience integrating credit platforms with spreading and rating engines, credit bureaux (AECB and CBRB), registries (EIRC and DED) and core banking.
7. 7. Experience of delegation‑of‑authority frameworks, credit committee workflows and post‑approval documentation, limit and booking processes.
8. 8. UAE or wider GCC banking experience is strongly preferred, with working familiarity with CBUAE regulatory expectations.
9. 9. Demonstrated experience working in Agile, hybrid and vendor‑led delivery models, including onsite engagements at client premises.
10. 10. Arabic language ability is advantageous.