346 Credit Risk Management jobs in the United Arab Emirates

**Credit Risk Management Expert Wanted**

We are seeking an experienced professional to join our team as a Credit Risk Management Expert. As a key member of our organization, you will play a crucial role in assessing credit proposals from various entities.

The successful candidate will have extensive experience in credit risk assessment, particularly in financial institutions and non-bank financial institution (NBFI) customers. You will work closely with coverage and product teams to ensure our portfolio remains resilient against credit defaults.

Key Responsibilities:

• Conducting thorough credit risk assessments for complex financial transactions across multiple asset classes.
• Developing and implementing risk management strategies to safeguard our portfolio.
• Collaborating closely with coverage, product, legal, and risk teams to evaluate credit exposure and recommend risk mitigation measures.
• Discussing with clients and external advisors in unique cases to ensure robust credit risk assessment and compliance with regulatory standards.

Qualifications & Experience:

• Bachelor's Degree in Business, Accounting, Finance, or relevant discipline (Master's/MBA preferred).
• Minimum 12 years of experience in the Banking sector, with at least 5 years in NBFI assessments and analysis.
• Strong understanding of financial statements, credit risk assessment, cash flow analysis, and structured lending.

Requirements:

• Extensive experience in credit risk assessment, particularly in FI and NBFI customers.
• Good understanding of fund structures, capital commitments, asset quality criteria.
• Strong financial analysis skills with the ability to review clients' assumptions/business risks.
• Understanding of market risk elements for both listed and unlisted entities, including standard valuation procedures, mark-to-market, and monitoring frameworks.

Role Overview:

We are seeking an experienced professional to lead a team in providing thorough credit evaluations and recommendations for a portfolio of clients. The ideal candidate will have a strong background in credit analysis, excellent communication skills, and the ability to work effectively in a team environment.

Key Responsibilities:

• To oversee the conduct of robust credit analysis and obtain necessary approvals within the bank in a timely manner.
• Collaborate with business units to complete due diligence processes for prospective deals, ensuring emerging risk factors are identified and addressed through term sheets developed by product teams.
• Provide initial feedback at the GLM stage, ensuring that appropriate risk acceptance criteria and guidelines are followed as part of the GLM approval process.
• Advise relationship managers on the risk factors associated with complex transactions and the essential clauses for mitigating these risks.
• Maintain timely availability of required information for senior management to facilitate credit decision-making.
• Participate in client relationships through visits/conference calls as part of transaction initiation and monitoring.
• Guide corporate & investment banking departments/global banking corporate finance on optimal utilization of credit facilities without compromising credit quality.
• Coordinate with internal counterparties to provide guidance on risk assessment, risk rating, and documentation.
• Ensure accuracy of data presented to various stakeholders, including senior management.

Requirements:

• Bachelors degree in a relevant field.
• Desirable: Chartered accountant/masters in business administration (MBA) or any other relevant finance degree/diploma.

Experience:

• 10 years of relevant experience in the banking sector, with at least 7 years in similar positions with progressively increasing managerial responsibilities in the credit function.

Senior Leader - Credit Risk Management

This senior leadership position oversees the formulation, revision, and implementation of credit policies, procedures, and practices that align with the overall strategy and objectives of the organization.

• The role involves key accountabilities in private banking credit strategy, including the development and implementation of strategies that support FAB's and Private Banking's objectives.

This position is responsible for managing the credit risk function, developing and directing the credit risk team, and providing oversight of an effective credit approval process within the bank. The role also involves taking credit decisions independently up to a delegated financial authority and serving as a responsible member of the Credit Committee.

• The Head of Credit Private Banking reports to the Group Chief Credit Officer and confers with the latter on critical and strategic issues.

To be successful in this role, you will need:

• Bachelor's Degree in Finance, Accounting, Economics, Commerce, or any related discipline with a professional qualification such as Diploma from Chartered Institute of Bankers or Certified Financial Analyst (CFA) / ACA qualification.
• Preferably a Master's Degree in a related area.
• At least 10 years of experience in a leadership role in Credit Risk Management/Lending Function of a Financial Institution, preferably international experience across multinational banks.

This role offers a competitive salary package, opportunities for career growth, and a dynamic work environment.

• Award-winning employer recognized for its commitment to employee satisfaction and well-being.

We provide a range of benefits and programs designed to support your career growth, health, and wellbeing, including:

• An attractive compensation package with bonuses and stock options.
• Comprehensive health insurance, retirement savings plans, and paid time off.

We are looking for talented professionals who share our values and passion for delivering exceptional results. If you have a strong track record of success, excellent communication skills, and a passion for innovation, please submit your application today!

• Please note: we are committed to creating an inclusive and diverse workplace culture where everyone feels valued, respected, and supported.

Credit Risk Management
• Manage, develop, and direct the credit risk function including for all loan types, credit analysis, assessment & approval, review, monitoring & control, and recovery.

Private Banking Credit Strategy
• Key role in formulation and implementation of the strategy in line with FAB's and the Private Banking objectives.

Industry and Sector Knowledge
• Keep abreast of the different industries, local economy, and internationally regulatory changes in the business and global private banking practices, trends, issues, challenges, competitor analysis etc. and identify risk factors/impact in order to inform Bank's senior management and take the necessary actions.

Internal Collaboration
• Increase collaboration with Business Heads and Product Heads in order to build up strong relationships, open communication channels, maximize synergies and opportunities.

Liaison with Regulators/Auditors
• Facilitate audit activities & conclude negotiations with examiners/regulators etc. on all credit audits matters/data ensuring timely availability of information and prompt response to queries of internal/external auditors and addressing their concerns/observations.

Leadership/People Management
• Manage the effective achievement of the private banking credit objectives through setting individual goals, managing teams' performance, and providing of formal and informal feedback and appraisal in order to maximize subordinates and the overall departmental performance.

Continuous Improvements
• Support Group Chief Credit Officer in defining an optimum departmental structure assuring that appropriate resources are allocated to Credit management function to effectively meet objectives of the department and are optimally utilized.

The Assistant Manager will play a crucial role in overseeing credit risk management and impairment provisioning across all portfolio stages.

This includes maintaining adequate reserves against unexpected credit losses, managing the restructuring and renegotiation process in alignment with regulatory expectations, and providing timely and accurate credit portfolio reporting.

Job Title

• Senior Credit Risk Management Leader

Job Description

The successful candidate will be responsible for leading the credit risk management function in a senior management structure, formulating and implementing policies, procedures, and practices that are consistent with the overall strategy and objectives of the organization.

Key responsibilities include ensuring that credit approvals adhere to policy guidelines, monitoring and review is adequate to maintain portfolio quality and profitability, and the overall credit risk within the organization is at desired levels.

Key Accountabilities

• Credit Risk Strategy
• Formulate and implement the credit risk strategy in line with organizational objectives.
• Streamline the credit risk function objectives and departmental organizational structure in line with overall objectives of the organization.
• Credit Risk Management
• Manage, develop, and direct the credit risk function including all loan types, credit analysis, assessment & approval, review, monitoring & control, and recovery.
• Provide oversight of an effective credit approval process within the organization that supports the risk tolerance of the organization while also facilitating desired asset growth objectives.
• Take credit decisions independently as Senior Credit Risk Management Leader up to the amount of delegated financial & non-financial authority and serve as a responsible member of the Credit Committee. Ensure availability of timely and required information to Credit Committee members (and other credit approvers) for credit decision making.
• Serve as Chairman/senior member of Credit Committee L2 overseeing its activities & ensuring Committee acts and takes credit decisions within its mandated guidelines in an effective manner.
• Develop and maintain mechanisms / Risk rating models / TOAs etc. that allow for accurate identification of risk profiles/ratings in all asset categories.
• Enforce an effective monitoring system to ensure high quality of asset portfolio, assist in early identification of problem credits and help identify problem borrowers for early intervention (initiation of recovery actions) by the organization.
• Ensure credit processing & approval turnaround times as per agreed SLAs with stakeholders.
• Actively participate in complex/strategic client relationships and provide guidance on due diligence, risk assessment, risk rating, and documentation.
• Guide team on ways for optimum utilization of credit facilities by clients without any compromise on credit quality.
• Periodically review & reevaluate the adequacy and effectiveness of the organization's credit policies and procedures in credit risk management. Maintain, update, and recommend amendments to the organization's credit policy procedures, Risk Rating models, credit memorandums, risk criteria etc. based on lending experience and market expediencies ensuring it is aligned with overall organization's risk strategy & policy.
• To support performance of Credit Administration function and ensure that credit documentation process & collateral monitoring system is working smoothly and approved facilities are released in time for utilization by clients. Where possible, to review and simplify documentation process further in consultation with relevant stakeholders.
• Support performance of Credit Restructuring Department in identification of potential infection in credit portfolio classification/provisioning etc. and recovery measures/actions.
• Membership & active participation in other Committees such as Risk or Banking committees/projects/initiatives as required by senior management.

Industry and Sector Knowledge

• Keep abreast of different industries, local economy, and internationally regulatory changes in the business and global private banking practices, trends, issues, challenges, competitor analysis etc. and identify risk factors/impact in order to inform senior management and take necessary actions.

Internal Collaboration

• Increase collaboration with Business Heads and Product Heads in order to build up strong relationships, open communication channels, maximize synergies and opportunities.
• Supervise the development of service level targets and direct the coordination with other departments to meet client service expectations.
• Resolve any internal issues raised by subordinates, other departments etc.

Liaison with Regulators/Auditors

• Facilitate audit activities & conclude negotiations with examiners/regulators etc. on all credit audits matters/data ensuring timely availability of information and prompt response to queries of internal/external auditors and addressing their concerns/observations.

Leadership/People Management

• Manage the effective achievement of the credit risk management objectives through setting individual goals, managing teams' performance, and providing of formal and informal feedback and appraisal in order to maximize subordinates and the overall departmental performance.
• Motivate subordinates and promote a highly productive and positive professional work environment by developing staff competencies, providing the necessary tools and training, and ensuring that staff understand and meet expectations improve their knowledge and credit management skills with delegation of authorities.
• Responsible for interviewing, hiring, training & coaching employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
• Balance team and individual responsibilities. Exhibit objectivity and openness to others' views. Give and welcome feedback to building a positive team spirit. Put success of team above own interests.
• Treat people with respect. Keep commitments. Inspire the trust of others. Work with integrity and ethically and uphold organizational values.

Continuous Improvements

• Support Group Chief Credit Officer in defining an optimum departmental structure assuring that appropriate resources are allocated to Credit management function to effectively meet objectives of the department and are optimally utilized.
• Identify opportunities for continuous improvement of systems, processes, and practices while taking into account international leading practices, improvement of business processes, cost reduction, and productivity improvement.
• Implement and adhere to the Credit area's annual budget/targets.

MIS

• Review portfolio reports and recommend measures as necessary to ensure the organization has adequately reserved for the risk inherent in the Bank's portfolio.
• Responsible for accurately reporting on the asset quality of the loan portfolio including delinquencies, non-accruals, loan concentrations, and profitability analyses.

Frameworks Boundaries & Decision Making Authority:

• The Senior Credit Risk Management Leader reports to the Group Chief Credit Officer and confers with the latter on critical and strategic issues.
• Exercising full discretion with the delegated authority. Key decisions having significant impact on the department are referred to the Group Chief Credit Officer for approval before implementation.
• The jobholder exercises financial authority as per the level established by management.

Communications & Working Relationships:

Internal:

• Group Chief Credit Officer
• Other Credits Heads (other regions) Team Leaders Credit Approval CAD & CRD.
• Private Banking coverage & Product Teams
• Functional Heads Group Heads GCRO DCEO & GCEO
• Other departments/subdepartments such as Audit, Risk & Compliance, Legal, HR, Strategy, COPS & Global Markets etc. as required

External:

• Key Private Banking Clients
• Government Authorities
• Banker Associations
• Banking Groups for Private Banking
• Financial Institutions
• Service Providers
• Central Bank
• External Auditors / Rating agencies

Qualifications :

Minimum Qualifications:

• Bachelor's Degree in Finance, Accounting, Economics, Commerce or any related discipline with preferably a professional qualification such as Diploma from Chartered Institute of Bankers or a Certified Financial Analyst (CFA)/ACA qualification
• Preferably a Master's Degree in a related area

Minimum Experience:

• Min 20 years with at least 10 years of experience in a leadership role in Credit Risk Management/Lending Function of a Financial Institution preferably international experience across multinational banks extensive experience and involvement in credit approval process at a decision-making level and oversight of Special Assets Function and Loan Review.

Knowledge Skills and Attributes:

• Innovative and strategic thinking skills.
• Solid experience and knowledge in credit risk management & risk assessment skills.
• In-depth knowledge of the Banking sector, clients, sectors, industries and market trends: Private Banking, Consumer, Corporate, Trade and Investment Banking, Treasury products and services.
• Knowledge of FAB's products and business strategies.
• Strong decision-making skills with sound and accurate judgment ability.
• High integrity and Business ethics.
• Strong leadership and people management skills
• Excellent interpersonal communication & Teamwork skills
• Ability to identify people personalities
• Attention to detail/analytical skills

Keyword

Leader

),

Vice President – Financial Risk Management

Our client is aleading multinational groupwith a diverse portfolio and strong presence across global markets. As part of their ongoing growth and evolution, they are now looking for aVice President – Financial Risk Managementto join their senior Treasury leadership team.

The Role

Reporting into senior Treasury leadership, the VP will oversee the design and execution of the company's financial risk frameworks, ensuring resilience across interest rate, FX, credit, and liquidity risks. The role will combine strategic oversight with hands-on delivery, engaging with both internal stakeholders and external financial partners to drive best-in-class practices.

Key Responsibilities

• Develop and embed risk management frameworks, policies, and analytical tools across the group.
• Anticipate and mitigate exposures through effective market monitoring and derivative solutions.
• Provide commercial insights to enhance capital efficiency, optimize investment decisions, and support growth initiatives.
• Build and manage strong banking and advisory relationships to ensure flexible, competitive access to global funding markets.
• Lead initiatives to manage liquidity and optimize cash returns while safeguarding capital.
• Partner with corporate finance on capital structuring and credit rating considerations.
• Deliver clear risk reporting and actionable insights to senior executives and the Board.
• Drive the adoption of modern treasury systems and best practices.

Candidate Profile

• 10+ years' experience in financial risk management within a corporate treasury or multinational environment.
• Expertise in managing FX, interest rate, and liquidity risks, with proven experience in structuring derivatives.
• Strong analytical ability with the gravitas to engage senior stakeholders and external institutions.
• Track record of leadership and cross-functional collaboration.
• Degree in finance, economics, or related discipline; CFA/FRM desirable.
• Fluent in Python, C++ or other coding languages is desirable.

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We are also open to candidates looking to relocate to the UAE.

To apply, please submit your CV and cover letter outlining your relevant experience.

Please note that due to the high volume of applications, only shortlisted candidates will be contacted.

We are committed to working in collaboration with forward-thinking businesses to deliver high-performing, sustainable recruitment solutions to assembl.

Compliance Associate Venture search Dubai, United Arab Emirates

FX/Currencies Product Manager (Fintech) - Dubai Venture search Dubai, United Arab Emirates

We are a leading financial institution in the UAE, recognized for our size and safety.

Our focus is on creating value for employees, customers, shareholders, and communities through differentiation, agility, and innovation.

Support the Assistant Vice President of assurance and monitoring in performing Anti-Money Laundering/Combating the Financing of Terrorism control testing programs in line with regulatory guidelines.

Follow and implement the annual review schedule in accordance with regulatory requirements.

• Perform approved assurance testing plan and identify key compliance-related risks and issues.
• Ensure assurance testing is performed according to agreed milestones.
• Track and monitor all assurance testing issues to completion.
• Follow up with the business as required.
• Promote internal control awareness and demonstrate the contribution of Assurance and Monitoring.
• Track and close recommendations.
• Perform trend analysis and advise on corrective measures.

• Analyzing and challenging complex activities considering regulatory requirements.
• Solid analytical skills, including identifying discrepancies while managing, reviewing, and gathering data.
• Ability to critically analyze data to identify trends, themes, and outliers.
• Excellent time management skills, ability to work under pressure, meet tight deadlines, and deliver high-quality work.

AVP & Manager- Derivatives Operations

• Verify and authorize transactions in a controlled manner.
• Monitor and improve compliance with regulatory guidelines and local/international sanctions.
• Ensure adherence to Standard Operating Procedures by self and staff.
• Develop and implement robust tools and processes to identify and mitigate operational risks.
• Support the development and implementation of policies, procedures, and practices to enhance cost efficiency.
• Support line manager in maintaining employee satisfaction levels.
• Ensure strict compliance with Anti-Money Laundering, Central Bank guidelines, and internal policies.
• Staying informed of industry developments and sharing relevant information with staff.

• Graduate degree in Commerce, Financial Services, Banking & Finance, etc.
• Minimum 5-8 years of experience in Treasury Operations, with at least 3 years in a supervisory role.

We are seeking a highly skilled professional to fill a Specialist position in Internal Audit and Fraud Investigation.

• Conduct thorough audits and investigations to identify and prevent fraudulent activities
• Develop and implement effective internal control systems to mitigate risk
• Analyze complex financial data and provide expert recommendations
• Collaborate with cross-functional teams to ensure compliance with regulatory requirements

• A graduate degree in accountancy or a business-related field is required
• A recognized accounting/auditing qualification such as CPA, CIA, or CFE is mandatory
• 5-8 years of experience in fraud risk management and audit in a financial institution or large organization
• Relevant internal audit experience in the banking sector is desirable

• A certification in AML/CFT and experience auditing AML in banks is an advantage
• Fraud Investigation qualification and experience conducting Fraud Audits and Investigations is also beneficial

• In-depth knowledge of banking operations and processes
• Excellent analytical, planning, and negotiation skills
• Strong report writing and leadership abilities
• Proficient in Microsoft Excel, PowerPoint, Word, and bank systems

This role offers a unique opportunity for growth and development in a challenging and dynamic environment.

Please note that this job requires a high level of professionalism, integrity, and confidentiality.