Credit Analyst/Manager

Michael Page; Abu Dhabi; On-site; AED 210,000 - 320,000; Full time

Job summary

Michael Page is seeking an experienced SME Credit Analyst in the UAE to assess applications, analyze financial statements and cash flow, and prepare credit proposals across working capital and receivables financing. You will engage with clients, evaluate risk, and contribute to credit policy development in a fast-paced fintech-enabled lending platform.

Ideal candidates have 5–8 years in credit analysis or underwriting, with a strong grasp of financial analysis and a proactive, market-aware

Qualifications

• Bachelor's degree in finance, accounting, economics, business or related field.
• 5-8 years of experience in credit analysis, underwriting or lending.
• Experience in SME Banking, Business Banking, Commercial Banking or SME Lending.
• Proven ability to prepare credit proposals and lending recommendations.

Responsibilities

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

Skills

Credit analysis

Underwriting

Lending recommendations

Financial statement analysis

Cash flow assessment

Risk assessment

Commercial judgement

Decision-making

Fintech interest

Education

Bachelor's degree in finance/Accounting/Economics/Business

Job description

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

About Our Client

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.

Job Description

• 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.

The Successful Applicant

• 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.

What's on Offer

• Opportunity to join an innovative, high-growth financial services business.
• Exposure to technology-driven credit assessment and SME lending solutions.
• Collaborative and entrepreneurial working environment.
• Strong opportunities for professional growth and career progression.
• Ability to contribute directly to business expansion and the development of the credit function.

Contact: Asma Siddiqui

Quote job ref: JN-102026-7116658