SME Credit Manager

Wio Bank; Abu Dhabi; On-site; AED 300,000 - 450,000; Full time

Job summary

Wio Bank is seeking a seasoned Credit Manager to lead SME lending and credit risk management. This pivotal role involves credit evaluation, policy development, and mentoring junior analysts, driving responsible lending in a dynamic environment focused on innovation and collaboration.

Benefits

Competitive Compensation And Benefits Package

Opportunities to develop leadership skills

Supportive culture

Qualifications

• Minimum 10 years of experience in corporate or SME lending within the UAE.
• Strong expertise in credit risk assessment and management.
• Exceptional analytical skills, particularly in ratio analysis.

Responsibilities

• Review and assess credit applications from SME clients.
• Contribute to developing and enhancing credit policies.
• Mentor junior credit analysts on best practices.

Skills

Credit risk assessment

Analytical decision-making

Compliance knowledge

Ratio analysis

Education

Bachelor’s degree in Finance

Master’s degree preferred

Job description

Are you a seasoned credit expert ready to lead SME lending and credit risk management at a top financial institution? Do you excel in analytical decision-making and enjoy shaping credit policies in a dynamic environment? If so, we want you on our team!

We’re looking for an experienced Credit Manager to join our finance division, playing a pivotal role in managing credit evaluation and risk for SME clients in the UAE. This is your chance to bring your expertise to a key position that drives responsible lending and business growth.

What You’ll Be Doing:

Review and assess credit applications from SME clients, ensuring thorough creditworthiness analysis.

Utilize cash flow-based underwriting methods for embedded finance solutions.

Leverage your experience in digital lending and decision automation, including drafting digital native credit policies.

Conduct ratio analysis to evaluate financial statements and assess borrower financial health.

Contribute to developing and enhancing credit policies, ensuring compliance with regulatory and internal standards.

Prepare reports on credit performance, risk exposure, and portfolio quality.

Collaborate closely with sales and relationship teams to tailor credit solutions that meet client needs.

Mentor junior credit analysts on best practices in credit evaluation.

What We’re Looking For:

Minimum 10 years of experience in corporate or SME lending within the UAE region, preferably at regional banks or finance companies.

Strong expertise in credit risk assessment and management.

In-depth knowledge of relevant regulatory requirements and compliance.

Bachelor’s degree in Finance, Accounting, Business Administration, or related field (Master’s preferred).

Exceptional analytical skills, particularly in ratio analysis.

Ability to work collaboratively and lead credit policy initiatives.

What’s in it for You?

Lead credit operations in a reputable financial institution with a strong focus on SME lending.

Work in a challenging environment that values expertise and innovation.

Enjoy a supportive culture with opportunities to develop leadership skills.

Competitive Compensation And Benefits Package.

Ready to Drive Credit Excellence?

If you are a credit professional passionate about SME lending and risk management, we want to hear from you! Apply now and make a significant impact in our finance team.