Senior Credit Risk Manager - Private Banking (Dubai)

Maseera; Dubai; In loco; AED 300.000 - 600.000; Tempo pieno

Descrizione del lavoro

Maseera is seeking a Credit Risk Manager for our Dubai private banking operations. The role provides independent credit oversight across HNWI, retail and SME lending, ensuring credit decisions align with risk appetite and regulatory requirements.

You will lead risk assessments of new facilities, renewals and amendments, evaluate collateral quality, and support committees with credit packs. A strong background in securities-backed lending and private banking is essential.

Competenze

• Bachelor’s degree in Finance, Accounting or related discipline.
• CA or CFA would be advantageous.
• 5–7+ years’ credit underwriting experience within UAE banking.
• Strong hands-on experience in securities-backed lending, including assessment of equity and fixed-income collateral.
• Exposure to mortgages, credit cards and SME cash-flow lending is highly desirable.
• Solid understanding of Private Banking, Wealth Management, Consumer Banking and SME products.
• Advanced Excel skills, strong organisational ability and the confidence to provide independent challenge to the business.

Mansioni

• Deliver independent credit risk assessments for new and existing HNWI, consumer and SME clients.
• Evaluate repayment capacity, facility structure and collateral strength, so that lending stays within the bank’s risk appetite, credit policies and CBUAE requirements.
• Support the Credit Committee process, including preparing credit packs, recording minutes and communicating decisions to the business.
• Monitor portfolio health by tracking excesses, past dues, collateral shortfalls and covenant breaches, and manage the watchlist and stressed accounts using early warning signals.
• Oversee IFRS 9 staging and ECL provisioning, and carry out grading of shares, bonds, sukuk and issuers held as collateral.
• Own the review of credit policies, procedures and lending authority frameworks, and produce portfolio MIS for senior management, Board committees, regulators and auditors.
• Contribute to credit automation, system enhancements and process improvement initiatives across the Risk function.

Conoscenze

Credit underwriting

Financial statement analysis

Cash flow analysis

Excel

Independent challenge to the business

Formazione

Bachelor’s degree in Finance, Accounting or related discipline

CA or CFA would be advantageous

Descrizione del lavoro

Maseera is seeking a Credit Risk Manager for our Dubai private banking operations. The role provides independent credit oversight across HNWI, retail and SME lending, ensuring credit decisions align with risk appetite and regulatory requirements.

You will lead risk assessments of new facilities, renewals and amendments, evaluate collateral quality, and support committees with credit packs. A strong background in securities-backed lending and private banking is essential.