Head of Credit, Emerging Corporates
Core
Lead credit underwriting and portfolio monitoring for Emerging Corporate segments (AED 100M-500M turnover) and SMEs, ensuring sound credit decisions and risk oversight.
Role type
Senior IC credit risk manager (team lead)
Builds
Credit facilities, portfolio analytics, risk mitigation strategies
Domain
Banking / Corporate Finance / Credit Risk
Required skills
Credit underwriting, portfolio monitoring, risk assessment, financial analysis, stakeholder engagement, team leadership, regulatory compliance, credit policy implementation, portfolio analytics, risk mitigation planning
Preferred skills
Master's degree in Finance/Banking, professional qualification in credit/risk, experience with UAE banking practices
Technologies
Credit scoring models, portfolio analytics tools, risk management systems
Responsibilities
Lead end-to-end credit appraisal and underwriting for Emerging Corporate and SME proposals; Assess obligor risk, repayment capacity, collateral, and covenants; Oversee annual reviews, renewals, and credit actions; Monitor early warning indicators and deteriorating credits; Conduct portfolio reviews, stress testing, and trend analysis; Lead and develop the credit underwriting and monitoring teams; Partner with coverage teams and liaise with compliance, legal, and operations; Provide guidance on facility structuring and policy interpretation.
Seniority
Senior, hands-on IC with team leadership