SME Operations Specialist

Astra Tech Group; Dubai Emirate; Sur place; AED 201 000 - 335 000; Plein temps

Résumé du poste

Astra Tech Group is seeking an SME Lending Operations Specialist in Dubai to manage end-to-end SME lending activities, including onboarding, disbursements and servicing. You will leverage LMS tools and regulatory knowledge to ensure accurate, timely operations.

You will collaborate with Finance, Risk, Compliance and Product teams to optimize processes, implement automation, and maintain robust reporting while adhering to UAE regulations.

Qualifications

• 3–5 years of SME lending operations, credit operations or loan servicing experience.
• Experience with onboarding, disbursement, repayment scheduling and servicing.
• Knowledge of UAE regulatory and AML/CFT guidelines is preferred.
• Proficient in Excel and data-driven reporting.

Responsabilités

• Manage end-to-end SME lending operations including onboarding, disbursements, repayments and servicing.
• Coordinate onboarding activities with documentation, verification and account setup.
• Oversee disbursement processes ensuring timely execution within turnaround times.
• Manage repayment schedules, allocations, early settlements and servicing activities in LMS.
• Perform reconciliations, investigate discrepancies and support finance reporting.
• Monitor repayment performance and assist with delinquency resolution with risk and collections teams.
• Maintain lending records and operational reports for management visibility.
• Identify opportunities to streamline workflows using digital tools and automation.
• Collaborate with Product/Tech on LMS enhancements and UAT for new features.
• Ensure compliance with CBUAE regulations, AML/CFT and internal audit standards.

Connaissances

SME lending ops

LMS management

Regulatory compliance (UAE/GCC)

Analytical thinking

Stakeholder management

Excel

AI/automation awareness

Outils

LMS software

Description du poste

We are looking for an SME Lending Operations Specialist to join our growing lending business at Botim. The role will be responsible for managing end-to-end SME lending operations, covering customer onboarding, loan disbursements, repayment management, reconciliation and ongoing loan servicing.

The successful candidate will bring strong knowledge of SME lending products, hands-on experience with loan management systems and a sound understanding of lending operational processes and regulatory requirements within the UAE or wider GCC region.

As part of our growing fintech ecosystem, we are looking for a digitally savvy professional who can leverage technology, AI and automation to enhance operational efficiency, streamline processes and support the scalability of our lending business.

Responsibilities

• Manage end-to-end SME lending operations, covering customer onboarding, loan disbursements, repayment scheduling, loan servicing and closure.
• Coordinate loan onboarding activities, including documentation, verification, account setup and operational checks, ensuring compliance with internal policies and regulatory requirements.
• Oversee loan disbursement processes, ensuring accurate and timely execution in accordance with established turnaround times (TATs).
• Manage loan repayment schedules, payment allocations, early settlements, loan adjustments and ongoing servicing activities through loan management systems (LMS).
• Perform loan-related reconciliations, investigate discrepancies and collaborate with Finance to ensure accurate transaction records, ledger entries and reporting.
• Monitor loan repayment performance, overdue accounts and relevant portfolio indicators, coordinating with Credit Risk and Collections teams to support timely resolution of issues.
• Maintain accurate lending records and operational reports, providing management with visibility into disbursements, repayments, outstanding balances and operational performance.
• Identify opportunities to streamline lending workflows, reduce manual intervention and improve operational accuracy through digital tools, AI and automation.
• Collaborate with Product and Technology teams on loan management system enhancements, process improvements, user acceptance testing (UAT) and the implementation of new lending functionalities.
• Ensure lending operations comply with applicable CBUAE regulations, AML/CFT requirements, internal policies and audit standards.
• Work closely with Credit Risk, Finance, Compliance, Collections and other internal stakeholders to ensure efficient operational execution and continuous process improvement.

Requirements

• 3-5 years of relevant experience in SME lending operations, credit operations or loan servicing within a bank, fintech or financial services organisation, preferably operating in the UAE or wider GCC region.
• Strong hands-on experience managing SME lending operations across both onboarding and post-onboarding activities.
• Sound understanding of SME lending products, including working capital financing, term loans, revolving credit facilities and related business lending solutions.
• Practical experience working with loan management systems (LMS) and a strong understanding of loan disbursements, repayment scheduling, servicing, settlements and reconciliation processes.
• Good understanding of loan accounting, ledger reconciliation, credit monitoring and operational reporting.
• Familiarity with UAE lending regulations, AML/CFT guidelines and relevant compliance and audit requirements.
• Strong analytical and problem-solving skills, with excellent attention to detail and the ability to identify and resolve operational discrepancies.
• Digitally savvy, with the ability to leverage AI, automation tools and emerging technologies to improve operational workflows, reporting and efficiency.
• Proficiency in Microsoft Excel and experience working with lending data, operational reports and financial reconciliations.
• Excellent communication and stakeholder management skills, with the ability to collaborate effectively across multiple business functions.
• Ability to operate effectively in a fast-paced, technology-driven fintech environment.