Senior Credit Risk & Lending BA Lead

Unity Infotech; Dubai; On-site; AED 420,000 - 680,000; Full time

Job summary

Unity Infotech in Dubai seeks an experienced Business Analyst Lead – Credit Risk and Lending to drive BA efforts across credit origination, underwriting, risk rating, and monitoring programs. You will shape digital journeys, own backlog items, and guide cross-functional teams through Go-Live in a fast-paced, client-facing setting.

The role requires 8–10+ years in banking/financial services with strong credit risk expertise, plus Agile/ hybrid delivery experience and familiarity with UAE

Qualifications

• 8 to 10+ years of experience in banking/financial services, with at least 6 years in credit risk and lending.
• Functional expertise in credit processes across Micro/SME, Mid Corporate and Large Corporate segments.
• Experience leading BA on at least two end-to-end credit origination, loan origination system, or credit risk platform implementations.
• Track record crafting digital journeys and shaping product backlogs in a product owner or proxy product owner capacity.
• Hands-on use of generative AI tools in business analysis within data and control boundaries.
• Experience integrating credit platforms with spreading and rating engines, credit bureaux, registries and core banking.
• Experience of delegation-of-authority frameworks, credit committee workflows and post-approval processes.
• UAE or wider GCC banking experience with familiarity with CBUAE regulatory expectations.
• Experience in Agile, hybrid and vendor-led delivery models, including onsite engagements at client premises.
• Arabic language ability is advantageous.

Skills

Credit risk

Lending

Product ownership

Agile

Hybrid delivery

Vendor-led delivery

Arabic language

End-to-end delivery

Education

Bachelor’s degree (Banking/Finance/Business/IT)

Job description

Unity Infotech in Dubai seeks an experienced Business Analyst Lead – Credit Risk and Lending to drive BA efforts across credit origination, underwriting, risk rating, and monitoring programs. You will shape digital journeys, own backlog items, and guide cross-functional teams through Go-Live in a fast-paced, client-facing setting.

The role requires 8–10+ years in banking/financial services with strong credit risk expertise, plus Agile/ hybrid delivery experience and familiarity with UAE