Senior Credit Risk Manager

Aventus Global Talent; Abu Dhabi; Presencial; AED 180 000 - 260 000; Tempo integral

Resumo da oferta

Aventus Global Talent is assisting a leading UAE bank to hire a Senior Credit Risk Manager in Dubai. You will lead independent credit assessments across the consumer banking portfolio, oversee risk ratings, and drive governance and reporting.

The role requires deep IFRS 9/ECL knowledge, stakeholder management, and strong regulatory reporting experience. The candidate should have 10–12+ years in credit underwriting, GCC/MENAT exposure, and qualifications such as CA or CFA.

Qualificações

• 10–12+ years’ credit underwriting experience within banking.
• At least 7 years in the GCC or wider MENAT region.
• Strong consumer banking credit background and portfolio dynamics.
• Knowledge of IFRS 9 / ECL, risk appetite and portfolio monitoring.
• Experience in Board and regulatory reporting and risk governance.
• Proven ability to influence senior stakeholders and committees.

Responsabilidades

• Lead independent credit risk assessments across the consumer banking portfolio.
• Assign and review internal risk ratings for robust credit decisions.
• Oversee portfolio quality and drive timely remediation.
• Identify early warnings and manage watchlist and stressed accounts.
• Own IFRS 9 staging and ECL provisioning and monitor risk parameters.
• Deliver portfolio and risk reporting to Board Risk Committee and regulators.
• Develop credit policies and risk frameworks aligned with requirements.
• Lead credit risk automation and system enhancement projects.

Conhecimentos

Credit risk assessment

Financial analysis

Stakeholder management

Regulatory understanding

Risk governance

Board reporting

Formação académica

Bachelor’s degree in Finance/Accounting

CA or CFA qualification preferred

Ferramentas

MS Office

Banking systems

Descrição da oferta de emprego

Job description

Title: Senior Credit Risk Manager
Location: Dubai

About the Client

Our client is a well-established regional bank with an expanding presence in the UAE. As it continues to grow its consumer lending business, it is seeking a Senior Credit Risk Manager to lead independent credit assessment, portfolio oversight and risk governance across its consumer banking portfolio. This senior role suits an experienced credit professional who brings technical depth, sound judgement and the confidence to influence senior stakeholders and Board-level committees.

Key Responsibilities

• Lead independent credit risk assessments across the consumer banking portfolio, including new-to-bank, renewal, increase and amendment requests, and present recommendations to approvers and credit committees.
• Assign and review internal risk ratings, making sure credit decisions are based on robust financial and qualitative analysis.
• Oversee portfolio quality by tracking excesses, past dues, collateral shortfalls and covenant breaches, and drive timely remediation.
• Identify early warning signals, manage the watchlist and stressed accounts, and recommend action to prevent slippage.
• Own IFRS 9 staging and ECL provisioning, and monitor concentration limits and risk appetite parameters.
• Deliver portfolio and risk reporting to the Board Risk Committee, senior management, external auditors and regulators, and support audit and regulatory submissions.
• Develop and maintain credit policies, procedures, committee charters and risk frameworks in line with the bank’s risk appetite and CBUAE and DFSA requirements.
• Lead and contribute to credit risk automation and system enhancement projects across the bank.

Key Requirements

• Bachelor’s degree in Finance, Accounting or a related discipline. CA or CFA qualification strongly preferred.
• 10–12+ years’ credit underwriting experience within banking, including at least 7 years in the GCC or wider MENAT region.
• Strong consumer banking credit background, with a solid understanding of retail lending products and portfolio dynamics.
• Thorough knowledge of credit risk management frameworks, including IFRS 9 / ECL, risk appetite and portfolio monitoring practices.
• Strong financial analysis skills and a sound understanding of the UAE regulatory environment (CBUAE and DFSA).
• Experience in Board and regulatory reporting, policy development and risk governance.
• Strong organisational and stakeholder management skills, proficiency in MS Office and banking systems, and a collaborative, team-oriented approach.