Credit Analyst

Latinum HR Solutions; Abu Dhabi; On-site; AED 112,000 - 134,000; Full time

Benefits offered by this job

Performance-based incentives

High-growth fintech exposure

Career growth & learning

Job summary

Latinum HR Solutions is seeking a Credit Analyst for a fast-growing FinTech company in the UAE. The role focuses on credit risk evaluation, lending decision support, and portfolio performance management to align with business goals and UAE regulations.

The ideal candidate will have 4–5 years of experience in credit/risk analysis, experience with SME, retail or digital lending, and strong Excel skills, with knowledge of UAE credit bureaus and regulatory guidelines.

Qualifications

• 4–5 years of experience as a Credit Analyst or risk analyst.
• Mandatory FinTech, NBFC, banking, or financial services experience.
• Strong knowledge of credit risk assessment and financial analysis.
• Experience handling SME, retail, or digital lending portfolios.
• Proficiency in Excel and credit analysis tools.

Responsibilities

• Assess creditworthiness of SME customers using financial statements, bank data, and credit bureau reports
• Conduct detailed credit and risk analysis; prepare credit appraisal reports
• Recommend credit limits, pricing, and risk mitigation strategies
• Monitor loan portfolio performance and identify early warning signals
• Collaborate with underwriting, sales, and risk teams to support lending decisions
• Ensure compliance with internal credit policies and UAE regulatory guidelines
• Support periodic credit reviews, renewals, and restructuring of facilities

Skills

Credit risk assessment

Financial analysis

Excel

Credit analysis tools

Tools

Excel

Credit analysis tools

Job description

Job Title: Credit Analyst

Industry: FinTech

Location: Abu Dhabi, UAE

Experience Required: 4–5 Years

Compensation: AED 10,000 – 12,000 + Performance Incentives

About the Role:

We are hiring a Credit Analyst for a fast-growing fintech company in the UAE. The role will focus on credit risk evaluation, lending decision support, and portfolio performance management, ensuring alignment with business goals and UAE regulatory requirements.

Key Responsibilities:

• Assess creditworthiness of SME customers using financial statements, bank data, and credit bureau reports
• Conduct detailed credit and risk analysis; prepare credit appraisal reports
• Recommend credit limits, pricing, and risk mitigation strategies
• Monitor loan portfolio performance and identify early warning signals
• Collaborate with underwriting, sales, and risk teams to support lending decisions
• Ensure compliance with internal credit policies and UAE regulatory guidelines
• Support periodic credit reviews, renewals, and restructuring of facilities

Required Skills & Qualifications:

• 4–5 years of experience as a Credit Analyst / Risk Analyst or similar role
• Mandatory experience in FinTech, NBFC, Banking, or Financial Services
• Strong understanding of credit risk assessment, lending products, and financial analysis
• Experience handling SME, retail, or digital lending portfolios
• Proficiency in Excel and credit analysis tools
• Knowledge of UAE credit bureaus and regulatory frameworks (preferred)
• Strong analytical, communication, and stakeholder management skills

What’s on Offer:

• Competitive salary: AED 10,000 – 12,000
• Performance-based incentives
• Exposure to a high-growth fintech environment
• Strong career growth and learning opportunities