Credit Manager Auto Finance

ADIB Group; Abu Dhabi; On-site; AED 240,000 - 420,000; Full time

Job summary

ADIB Group in Abu Dhabi seeks an Auto Finance Credit Manager to oversee the entire lending process from application to underwriting, disbursal or denial, and after sales. The role demands leadership to guide the team, rigorous adherence to policies, and strong decision-making to maintain a high-quality portfolio.

The candidate will manage daily credit decisions, ensure timely processing of FinnOne applications, and drive performance while upholding ethical standards and regulatory compliance.

Qualifications

• Proven leadership and people management experience.
• Strong decision-making and product knowledge.
• Ability to manage and plan finance credit processes.

Responsibilities

• Manage credit offered to customers; oversee the entire lending process including initial application, underwriting, disbursal or denial, and after sale.
• Underwrite a minimum of 70 applications daily as targeted by management.
• Lead the assigned team to process 100% of all finance applications proposed in FinnOne within the same day as per SLA.
• Ensure compliance with CB regulations and ADIB policies; uphold ethics and confidentiality.
• Provide quarterly feedback to P&P on market trends and contribute to criteria updates as required.
• Conduct at least 3 formal trainings for staff and perform monthly evaluations with scores.

Skills

Leadership

Decision making

Managing

Planning

Job description

Description

Role: Auto Finance Credit Manager

Location: Abu Dhabi

Role Purpose:

Managecredit offered to customers; oversee the entire lending process including the initial application the underwriting the disbursal or denial of the request and after sale

Key Accountabilities of the role

• Financial Goal: Accurate Decision of finance applications toward achieving maximum 2.5% error rate as measured by the daily report and scorecard. Error is defined as violation to policy and parameters or inaccurate analysis.
• Underwrite min. 70 applications as average daily target as set by management and reflected in the scorecard and measured against the actual number of cases processed in the daily report.

Customer goals:

• Handling all internal and external customers complaint positively and promptly as measured against number of complaint and timely resolution.
• ADIB HR guidelines and ADIB ethics code obedience e.g. Confidentiality Attendance Dressing Code Sharia Morals etc.
• Lead the assigned team to process 100% of all finance applications proposed in FinnOne within the same day as measured against SLA and daily report.

People goals:

• Demonstrate leadership skills by leading the assigned team toward achieving goals set by management in terms of meeting performance targets and error rates as measured by the scorecard.
• Set regular Training to the assigned team on policy and conduct annual self-assessment Quiz. Conduct at least 3 formal training programs and ensure a monthly evaluation for all staff with score and rating signed by staffs.

Governance & Controls goals:

• Provide Quarterly Feedback to P&P on markets trends and contribute toward revising criteria and parameters as and when required.
• Provide Min 4 Valuable suggestions to improve work process.

RESULTS REQUIERD:

• Support business in achieving monthly budget & targets while maintaining highest quality portfolio
• Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.
• Contribute positively to the daily underwriting activities
• Improve communication branches and DSUs as being internal customers
• Provide constructive comments and feedback on proposed finance applications
• Compliance of policies & procedures Comply and perform Key operational controls as required in ADIBs polices & procedures in day-to-day operations.

Specialist Skills / Technical Knowledge Required for this role:

Leadership excellent knowledge of products decision making managing & planning.

Required Experience:

Manager