Credit Analyst/Manager

AimGulf; Abu Dhabi; On-site; AED 300,000 - 460,000; Full time

Job summary

AimGulf is seeking an experienced Credit Analyst for its SME lending division in Abu Dhabi, UAE. The role focuses on assessing credit applications, analyzing financial statements and shaping lending recommendations within a fast-growing fintech environment.

The position requires 5-8 years in credit analysis or underwriting in SME/Business Banking, with a Bachelor’s degree in a finance-related field. UAE market experience is preferred.

Qualifications

• Strong understanding of financial statement analysis and cash flow assessment.
• Ability to determine repayment capacity and creditworthiness.
• Proactive and comfortable in a fast-paced, evolving fintech environment.

Responsibilities

• Assess SME credit applications and evaluate financial performance and cash flows.
• Prepare credit proposals, risk assessments and lending recommendations.
• Evaluate financing requirements and structure solutions for working capital needs.

Skills

Financial analysis

Cash flow

Credit assessment

Risk judgment

Fintech interest

Education

Bachelor's degree in finance

Job description

Job Location: Abu Dhabi, United Arab Emirates

Job Reference/ID: JN-102026-7116658

Job Description / Role:

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

Key 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.

Experience Required:

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

Education Qualifications: Bachelor’s degree in finance, Accounting, Economics, Business or a related field.

Skills Required:

• Strong understanding of financial statement analysis, cash flow assessment and repayment capacity.
• 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.

Employment / Job Type: Permanent

Nationality: Any Nationality

About the Company:

Global professional recruitment consultancy and part of London listed PageGroup. The firm specialises in qualified professional and management hiring across finance, banking, technology, engineering, property and construction, legal, human resources, sales, marketing, and supply chain. Its Middle East business operates from Dubai and publishes widely used regional salary guides.

Company Industry: Financial Services

Department / Functional Area: Credit Analysis & Research

Closing Date: Not mentioned (apply as soon as possible)