Credit Manager - UAE

Proteinea; Dubai; On-site; AED 180,000 - 360,000; Full time

Job summary

Proteinea is seeking a senior credit professional to support UAE lending and forfaiting growth. You will assess creditworthiness, develop underwriting policies and monitor portfolio quality to ensure sound transaction execution and regulatory compliance.

The role requires hands-on UAE experience with 7–10 years in credit analysis, SME or corporate lending, and knowledge of credit policy development and governance. CFA/FRM preferred.

Qualifications

• 7–10 years of credit analysis, SME or corporate lending experience.
• Experience with trade finance and UAE lending requirements.
• Knowledge of UAE regulations and credit bureau practices.

Responsibilities

• Conduct credit assessments of borrowers, merchants, counterparties and banks.
• Analyze financial statements, cash flows and credit documents to assess repayment capacity.
• Prepare credit proposals with facility amounts, terms and conditions for approval.
• Develop and maintain credit policies, underwriting criteria and workflows.
• Assess forfaiting transactions and country exposure within lending and forfaiting.
• Contribute to product development by defining credit eligibility criteria.
• Monitor portfolio performance and alert for early warning indicators.
• Collaborate with Commercial, Operations, Finance, Legal and Compliance teams.
• Maintain complete credit documentation and prepare regular reports for management.
• Review and improve credit policies as the business grows.

Skills

Credit analysis

Financial analysis

Lending experience

Portfolio monitoring

UAE experience

Education

Bachelor’s degree in Finance, Accounting, Economics or related discipline

Job description

Job Description

Support the establishment and growth of GROW’s UAE lending and forfaiting business by assessing creditworthiness, developing underwriting policies and monitoring portfolio quality. The role will contribute credit expertise to product development and help establish effective credit processes for the new business.

Responsibilities

• Conduct credit assessments of business borrowers, merchants, counterparties and obligor banks across lending and forfaiting transactions.

• Analyse financial statements, cash flows, banking conduct, credit bureau information and transaction documentation to assess repayment capacity.

• Prepare credit proposals and recommend facility amounts, repayment terms, credit limits, security and other conditions for approval.

• Develop and maintain credit policies, underwriting criteria, assessment templates and approval workflows.

• Assess forfaiting transactions, including the underlying receivables, payment instruments, obligor and bank creditworthiness, and relevant country exposure.

• Contribute to the development of lending and forfaiting products, defining appropriate credit eligibility criteria and controls.

• Monitor portfolio performance, exposure concentrations and early warning indicators, recommending corrective actions where necessary.

• Work closely with Commercial, Operations, Finance, Legal and Compliance to support sound transaction execution and adherence to applicable requirements.

• Maintain complete credit documentation and prepare regular portfolio and credit reports for management.

• Review and improve credit policies and procedures as the business develops.

Requirements

• Typically 7–10 years of relevant experience in credit analysis, SME or corporate lending, and trade finance, including at least 3 years of hands‑on UAE experience.

• Candidates with 5–7 years may be considered at Manager level where they demonstrate the required technical depth and ownership.

• Practical experience assessing and structuring both business lending and forfaiting transactions.

• Strong financial analysis skills, including assessment of cash flows, repayment capacity, facility structures and credit mitigants.

• Working knowledge of UAE lending requirements, relevant CBUAE regulations, AML/CFT considerations and Al Etihad Credit Bureau practices.

• Experience developing or improving credit policies, underwriting processes and portfolio‑monitoring practices.

• Experience contributing to the design or launch of financein.Additional restrictions? Actually keep as is: Experience contributing to the design or launch of financing products.

• Bachelor’s degree in Finance, Accounting, Economics or a related discipline.

• Relevant credit training or professional qualifications such as CFA or FRM are preferred.