Job title: Credit Risk Manager
Company: Michael Page
Job description: The Credit Risk Manager will be responsible for designing, implementing, and optimizing credit risk strategies, underwriting frameworks, portfolio management, and collections strategies for SME financing solutions. The role requires a strong foundation in managing credit risk within a banking, NBFC, or FinTech environment, preferably across supply chain finance, trade finance, or working capital loan products.Credit Risk Strategy, Underwriting & Decisioning:
- Develop and implement credit risk assessment models, underwriting guidelines, and risk scoring mechanisms for invoice financing and revenue-based financing products
- Own and oversee end-to-end credit underwriting for borrowers, ensuring compliance with internal policies and FSRA regulatory guidelines
- Develop quantitative and qualitative risk assessment models to analyze financials, cash flows, and repayment behavior of the borrower
- Lead credit committee discussions, articulating risk assessments and recommendations on financing approvals
Portfolio Risk, Performance Monitoring & Reporting:
- Conduct stress testing, scenario analysis, and sensitivity modeling to evaluate portfolio resilience
- Build dynamic exposure management models, optimizing capital allocation based on risk-return trade-offs
- Partner with Sales & Business Development to structure financing solutions that align commercial growth with risk control
- Collaborate with Product & Tech teams to refine digital loan origination and underwriting workflows
- Engage with the Data Science team to build automated data driven credit evaluation, analysis and decision engines for scalability
Reporting:
- Ensure all credit risk policies and reporting standards are aligned with FSRA regulatory requirements
- Assist in developing key risk indicators (KRIs) and portfolio benchmarks for strategic decision-making
- Prepare high-quality reports and presentations for executive leadership, audit committees, and board meetings
- Provide data-driven insights on portfolio performance, risk exposure, and credit quality trends
Opportunity to be part of a strongly backed FinTechExcellent Career Progression & BenefitsExperience Requires:
- 4-6 years of experience in Credit Risk, Trade Finance, SME Financing, Supply Chain Finance, or Working Capital Lending within a Bank, NBFC, or FinTech.
- Strong track record of managing end-to-end credit processes, including underwriting, risk scoring, collections, and portfolio management.
- In-depth understanding of SME financing models, B2B trade credit, invoice discounting, and alternative credit assessment methodologies.
- Experience working with FSRA, DIFC, or other GCC regulatory frameworks governing credit risk.
- Background in financial risk modeling, cash flow analysis, and exposure management.
Preferred Qualifications:
- Chartered Accountant (CA) / Chartered Financial Analyst (CFA) / Financial Risk Manager (FRM) – Highly preferred.
- MBA (Finance, Risk, or Strategy) from a top-tier institution is a strong plus.
- Exposure to data-driven risk
A leading Abu Dhabi based FinTech.
- High-Growth FinTech
- Build a Cutting-Edge Credit Function
- Competitive Compensation
Expected salary: 240000 – 300000 per year
Location: Abu Dhabi
Job date: Fri, 21 Mar 2025 23:00:13 GMT
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