Credit Analyst – SME Lending & Fintech
Skills
About This Role
About the Role
We are seeking a detail-oriented and analytical Credit Analyst to join our SME Lending & Fintech team.
The ideal candidate will evaluate creditworthiness of small and medium-sized enterprises (SMEs), assess financial risk, and support lending decisions through data-driven analysis and underwriting practices.
The candidate should have experience in SME/commercial lending, financial statement analysis, and fintech or digital lending environments.
Key Responsibilities
- Analyze SME financial statements, bank statements, cash flows, and business performance.
- Conduct credit assessments and risk analysis for loan applications.
- Prepare credit memos and recommendations for approval.
- Evaluate borrower repayment capacity and identify potential risk factors.
- Review KYC, compliance, and supporting documentation.
- Monitor existing loan portfolios and identify early warning signals.
- Coordinate with sales, operations, and collections teams to ensure smooth loan processing.
- Support underwriting decisions using fintech lending tools and alternative data sources.
- Ensure adherence to internal credit policies and regulatory requirements.
- Maintain accurate records and reporting of credit evaluations.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or related field.
- 2–5 years of experience in SME lending, commercial banking, NBFC, or fintech lending.
- Strong understanding of credit analysis and risk assessment.
- Experience analyzing financial statements and cash flow.
- Familiarity with fintech lending platforms and digital underwriting processes is preferred.
- Knowledge of UAE banking/SME lending practices is an advantage.
- Strong analytical, communication, and decision-making skills.
- Proficiency in Excel and financial analysis tools.
Preferred Skills
- SME underwriting
- Financial modeling
- Risk assessment
- Loan structuring
- Portfolio monitoring
- Credit policy compliance
- Attention to detail
What We Offer
- Competitive salary package
- Career growth opportunities
- Dynamic fintech work environment
- Collaborative and fast-paced culture
- Pay: AED3,000.00 - AED4,000.00 per month
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