Credit Analyst/Manager

Yello; Abu Dhabi; On-site; AED 180,000 - 240,000; Full time

Job summary

Yello is seeking an experienced Senior Credit Analyst in Abu Dhabi to assess SME credit applications, analyze financial statements, and recommend lending decisions. You will structure working capital solutions and monitor credit exposure in a rapidly growing fintech-driven environment.

The role requires 5–8 years in credit analysis or lending, with strong cash flow analysis, risk assessment and client-facing experience in SME Banking. UAE market familiarity is preferred.

Qualifications

• 5-8 years of experience in credit analysis, underwriting or lending.
• Experience within SME Banking, Business Banking, Commercial Banking or SME Lending.
• Strong understanding of financial statement analysis, cash flow assessment and repayment capacity.
• Proven experience preparing credit proposals and making lending recommendations.
• Exposure to working capital facilities, invoice financing or receivables financing is advantageous.
• 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.
• UAE market experience is preferred.

Responsibilities

• 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.

Skills

Credit analysis

Underwriting

Financial statement analysis

Cash flow assessment

Risk assessment

Commercial judgement

Client interaction

Education

Bachelor's degree in finance, Accounting, Economics, Business or a related field

Job description

Our client is a fast-growing financial services platform providing innovative working capital solutions to small and medium-sized enterprises across the UAE. Combining financial expertise with technology-driven processes, the business is focused on improving access to financing through efficient, transparent and data-led lending solutions.

• 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.

• Bachelor's degree in finance, Accounting, Economics, Business or a related field.
• 5-8 years of experience in credit analysis, underwriting or lending.
• Experience within SME Banking, Business Banking, Commercial Banking or SME Lending.
• Strong understanding of financial statement analysis, cash flow assessment and repayment capacity.
• Proven experience preparing credit proposals and making lending recommendations.
• Exposure to working capital facilities, invoice financing or receivables financing is advantageous.
• 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.
• UAE market experience is preferred.