Credit Analyst - Personal Finance (Emirati Talent)

DIB; Dubai; On-site; AED 90,000 - 130,000; Full time

Job summary

DIB in Dubai is seeking a credit analyst to assess cases in line with bank policy and drive productive outputs within SLA/TAT targets. You will perform detailed credit analysis and ensure CPV reviews are completed, while adhering to SOPs. The role requires 2–3 years in financial services and a relevant graduate background.

Join a focused banking team in the United Arab Emirates, contributing to risk management and data-driven decisions in a dynamic environment.

Qualifications

• 2–3 years of experience in the financial service industry.
• Graduate in Accounting or Financial Service, Statistics, Computer Science or Business Administration.

Responsibilities

• Analyze and process cases per customer profile and bank policy.
• Meet SLA and TAT productivity targets.
• Ensure proper use of delegation authority.
• Identify suspicious activities to reduce risk and improve analysis quality.
• Update daily productivity MIS data.
• Maintain productivity during peak periods (month ends, promotions).
• Perform detailed credit analysis (fresh, Repeat, After Sales) and highlight approval conditions.
• Ensure all deals are sent for CPV review per policy.
• Adhere to SOPs where applicable.
• Train new joiners and monitor training performance.
• Handle additional tasks as assigned by the line manager.

Skills

Analytical skills

Attention to detail

Compliance awareness

Customer data analysis

Education

Accounting

Finance

Statistics

Computer Science

Business Administration

Job description

Key Responsibilities:

• Analyzing and processing cases based on overall consideration of customer's profile and in compliance with bank policy and procedures
• Meeting the targeted productivity levels and to ensure adherence to service level agreement (SLA) and turnaround time (TAT).
• To ensure proper use of assigned delegation authority laid down by the bank
• To identify and highlight any suspicious activities thereby reducing risk exposure and increasing quality of analysis
• To ensure the updating of data reported in the daily productivity sheet (MIS)
• To ensure appropriate level of productivity output to enhance within given resources in times of peak load (month ends, promotions etc...)
• To ensure detailed credit analysis (fresh, Repeat and After Sales) and to highlight approval conditions
• To ensure all deals send for Contact Point Verification (CPV) as per CPV policy
• Adherence to Standard Operating Procedures (SOP) wherever applicable
• Conduct training to new comers and monitor the training performance whenever required.
• All the above accountabilities includes but not limited to any additional/new tasks or responsibilities assigned by the line Manager.

Work Experience:

• 2-3 years’ experience in financial service industry.

Education:

• Preferably Graduate in Accounting/ Financial Service/ Statistics/ Computer Science/ Business Administration