Senior Associate - Credit Analyst

Yubi Group; Dubai; On-site; AED 120,000 - 160,000; Full time

Job summary

A financial services company in Dubai is seeking an experienced Credit Analyst to evaluate loan applications and assess creditworthiness. You will analyze financial data, prepare credit reports, and collaborate with sales teams, ensuring compliance with credit policies. The ideal candidate holds a degree in Finance or related fields and has experience in credit analysis, particularly in a fintech or banking environment.

Qualifications

• Proven experience in credit analysis preferably in a fintech or banking environment.
• Strong understanding of credit scoring models and risk assessment methodologies.
• Detail-oriented with strong organizational skills and the ability to manage multiple tasks.

Responsibilities

• Analyze applicants' financial information and credit history.
• Identify and evaluate potential risks associated with loan approvals.
• Prepare comprehensive credit analysis reports for internal stakeholders.

Skills

Credit analysis

Risk assessment

Data analysis

Communication skills

Problem-solving

Education

Bachelor's/Master's degree in Finance, Business, Economics, or a related field

Tools

Excel

SQL

Tableau

Job description

Key Responsibilities:

• Credit Evaluation: Analyse applicants financial information credit history and other relevant data to assess their creditworthiness for loan applications.
  

• Risk Assessment: Identify and evaluate potential risks associated with loan approvals and recommend appropriate actions.
  

• Data Analysis: Utilize advanced analytics to interpret data trends and insights providing actionable recommendations to improve loan performance.
  

• Reporting: Prepare comprehensive credit analysis reports for internal stakeholders highlighting key findings and recommendations.
  

• Collaboration: Work closely with sales teams to understand customer profiles and ensure alignment with credit policies.
  

• Policy Compliance: Ensure adherence to company credit policies and regulatory requirements updating them as necessary based on market changes.
  

• Client Interaction: Communicate effectively with clients regarding credit decisions and provide guidance on improving credit profiles when needed.
  

• Continuous Improvement: Stay updated on industry trends emerging risks and best practices in credit analysis to enhance processes and methodologies.
  

Qualifications:

• Bachelor s/Master s degree in Finance Business Economics or a related field.
  

• Proven experience in credit analysis preferably in a fintech or banking environment.
  

• Strong understanding of credit scoring models and risk assessment methodologies.
  

• Proficiency in data analysis tools and software (e.g. Excel SQL Tableau).
  

• Excellent analytical and problem-solving skills.
  

• Strong communication and interpersonal skills with the ability to convey complex information clearly.
  

• Detail-oriented with strong organizational skills and the ability to manage multiple tasks.
  

Preferred Qualifications:

• Experience with SME lending Business loans etc.
  

• Familiarity with regulatory frameworks governing lending practices.
  

• Professional certifications (e.g. CFA FRM) are a plus.