Senior Credit Risk Manager

Client of Aventus Global Talent; Dubai; On-site; AED 350,000 - 550,000; Full time

Job summary

Regional Bank seeks a Senior Credit Risk Manager in Dubai to lead independent credit risk assessments across the consumer banking portfolio and present recommendations to approvers and boards. The role requires deep technical depth and the ability to influence senior stakeholders and committees.

Ideal candidates have 10–12+ years in credit underwriting within banking, including GCC/MENAT exposure, a strong consumer lending background, and CA or CFA qualifications.

Qualifications

• 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.
• Thorough knowledge of IFRS 9 / ECL and risk governance.

Responsibilities

• Lead independent credit risk assessments across the consumer banking portfolio.
• Assign and review internal risk ratings for credit decisions.
• Oversee portfolio quality and remediation.
• Identify early warning signals and manage watchlist and stressed accounts.
• Own IFRS 9 staging and ECL provisioning and monitor risk appetite.
• Deliver portfolio and risk reporting to Board Risk Committee and regulators.
• Develop and maintain credit policies, procedures, and risk frameworks.
• Lead credit risk automation and system enhancement projects.

Skills

Credit risk management

Financial analysis

Stakeholder management

IFRS 9 / ECL

Education

Bachelor's degree in Finance, Accounting or related

CA or CFA

Tools

MS Office

Banking systems

Job description

b Title Senior Credit Risk ManagerLocation Dubai b

b About the ClientOur 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.