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
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.