Manager Regional WPB Underwriting and Valuation (UAE National)

HSBC; Dubai; Hybrid; AED 250,000 - 380,000; Full time

Job summary

HSBC in Dubai invites applications for a Manager Regional WPB Underwriting and Valuation (UAE National). The role focuses on high-value lending, end-to-end underwriting, and collaboration with Retail Risk Underwriting and regional teams.

You will review credit proposals, monitor exceptions, produce monthly MI, and drive policy adherence while balancing risk and growth. Hybrid work arrangement with cross-border cooperation.

Qualifications

• Graduation degree essential for UAE visa and work permit; attestations may be required.
• Ability to interact with senior managers and influence decisions.

Responsibilities

• Support the timely implementation of Credit Policy changes in risk systems.
• Balance risk and business needs in underwriting decisions.
• Assess high-value exception cases across UAE and Qatar.
• Monitor and manage exception volumes in line with policy and approvals.
• Share best practices and support process simplification with underwriting teams.
• Produce monthly management information to support growth and risk decisions.

Job description

Manager Regional WPB Underwriting and Valuation (UAE National)

Location:
Dubai, Dubai, AE, -

Brand: HSBC

Area of Interest:

Role Workstyle: Hybrid Worker

Date: 1 Sept 2026

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The role also contributes to simplifying underwriting and approval processes, preparing MI for stakeholder use, liaising with Group and MENAT stakeholders to track exception caps, participating in stakeholder meetings, and supporting ad hoc projects. This role sits within the UAE Retail Risk team and focuses on exceptional underwriting for high-value IWPM retail asset products, including mortgages and wealth lending (Lombard). The role supports end-to-end underwriting approval processes in collaboration with Retail Risk Underwriting, FCCS, and the Qatar and Egypt underwriting teams.

Duties & Responsibilities:

• Support the timely and accurate implementation of Credit Policy changes in risk systems, participate in UAT, and help cascade updates to specialist underwriters to ensure decisions reflect the latest policy.
• Contribute to day-to-day underwriting by balancing risk and business needs, while operating within regulatory requirements and the operational risk framework.
• Assess and process high-value exception cases across IWPB products in the UAE and Qatar, ensuring appropriate documentation and approvals are in place.
• Monitor and help manage exception volumes in line with FIM-recommended approval rates, escalating where required.
• Share best practices and support process simplification initiatives with underwriting colleagues in Egypt, as needed.
• Support audit activities by providing evidence, responding to queries, and assisting with closure of action points for the Retail Risk Underwriting function.
• Assist with NFRO requirements for Retail Risk Underwriting, including data gathering, tracking, and reporting.
• Review secured credit transaction proposals and high-value exceptions for unsecured facilities, ensuring alignment with lending policy, the bank’s risk appetite, and CBUAE regulatory expectations.
• Approve credit proposals within Personal Approval Authority; where above limit, elevate with clear justification to HO RRU, HO Retail Risk, and the MENAT CRO, balancing risk management with business growth and economic profit objectives.
• Maintain strong working knowledge of credit policies, application and core banking systems, and underwriting processes; recommend policy enhancements based on trends in exceptions, referrals, fraud indicators, and skips.
• Produce monthly management information (MI) to support decisions on growth priorities and effective risk management.
• Build strong working relationships with business and functions to:
• Review and re-assess portfolios to drive healthy growth within approved risk appetite and lending guidelines.
• Implement effective oversight and credit review processes.
• Engage regularly with Relationship Managers, Product Managers, and Group/other Risk teams to provide guidance on products, policy, and processes.
• Support Senior Managers in the UAE to review and manage portfolio exposures.
• Provide guidance and stewardship to the FCCS, Egypt, and Qatar underwriting teams, as appropriate.

Experience & Qualifications:

• A graduation degree is essential for obtaining a UAE visa and work permit. If your university certificate is from outside the UAE, up-to-date attestations and equivalency are also mandatory (Recognition of Higher Education Qualifications Issued Outside The UAE)
• The jobholder is expected to have a high degree of competence as well as organizational / managerial ability. He/She is expected to act with a fair degree of independence and authority and must possess confidence levels to deal with, interact with and influence thought processes/decisions of senior managers in business / risk functions.
• Graduate with a minimum of 3 years of experience. Good communication and influencing skills and knowledge based on experience in handling retail credit proposals.
• Ability to understand and interpret various documents including financial statements for making a decision for the bank in terms of approval or rejection of high value loans.
• Sound knowledge of other aspects of credit risk management function and the Business as well as operations.
• Ability to work during flexible working hours caters to the demands of different time zones and working days as required.
• Ability to understand operations well and identify deficiencies well enough to have a proactive approach towards Ops Risk.
• Ability to collaborate with a team of individuals with different cultures and backgrounds

We support our staff to adopt flexible and alternative ways of working where possible, including working from home and different hours subject to approvals.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Issued by The Hong Kong and Shanghai Banking Corporation Limited