Credit Risk Analyst
About This Role
ClearGrid is hiring an on-site Credit Risk Analyst in Dubai.
Role Overview
We are searching for a Credit Risk Analyst with a track record of delivering innovative, data-driven solutions and a bias for action. In this role, you will be responsible for the financial modeling and valuation of distressed consumer loan portfolios (BNPL and unsecured personal loans). You will translate complex data signals, such as demographic indicators and borrower behavior, into actionable recovery forecasts and competitive investment bids.
Key Responsibilities
The candidate will be able to perform:
- Advanced Recovery Modeling: Develop and maintain recovery rate models using "ClearGrid" methodology, specifically focusing on identifying high-potential segments (top 5%) using data signals and explicitly define downside cases and sensitivity of recovery assumptions
- Statistical Correlation Analysis:
- Construct correlation matrices to test recovery sensitivity against existing borrower signals to establish eligibility criteria and concentration limits.
- Clearly articulate where data is directional rather than definitive
- Lookalike Modeling & Interpolation: Utilize machine learning or statistical grouping to identify "lookalike" borrowers within unidentified portfolios, applying scenario assumptions for risk mitigation.
- Portfolio Bidding & Strategy:
- Design and execute the final Portfolio Bid models, integrating recovery forecasts with operational costs, concentration limits, and required profit margins to determine the purchase price.
- Produce pricing ranges and downside scenarios, not just point estimates.
- Support live transaction pricing discussions and iterative bid refinement under time constraints
- Visual Reporting: Build and manage Tableau dashboards to communicate conversion rates and recovery performance to senior stakeholders.
Requirements:
- Data Tools: Advanced proficiency in SQL and Python/R for data manipulation and lookalike modeling.
- Visualization: Expert level in Tableau or other tools for large data sets to visualize recovery trends.
- Financial Modeling: Expert Excel/Financial modeling skills, specifically for NPL valuation (DCF, IRR, and NPV analysis of recovery streams).
- Domain Expertise: Deep understanding of BNPL or consumer credit lifecycles and the impact of "soft" signals on repayment behavior.
Similar Jobs
Java Developer - Financial Credit Risk Control
Astra Tech · Abu Dhabi
**Java Developer \- Financial Credit Risk Control** **Location – Abu Dhabi** **About The Role** Focus on financial credit scenarios (personal consumer credit, corporate credit, supply chain finance). Design, develop, and
4 days ago
Generate Resume ↗VP- Credit Risk Policy & Analysis (Emiratised)
First Abu Dhabi Bank (FAB) · Abu Dhabi
**Company Description** Are you ready to join us on our exciting transformation journey at the largest bank in the UAE? This is an opportunity to make a real impact on our customers, employees, shareholders, and communit
5 days ago
Generate Resume ↗Credit Risk Analyst (UAE Nationals Only)
Citi · Dubai
The Credit Risk Analyst II is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Int
1 weeks ago
Generate Resume ↗Credit Risk Analyst (UAE Nationals Only)
Citi · Dubai
**Credit RisK Analyst** The Credit Risk Analyst is a developing professional role. Citi is seeking an experienced and motivated professional to join its Risk Management team as a Credit Analyst. This role plays a critica
1 weeks ago
Generate Resume ↗Credit Risk Analyst
RockawayX · Dubai
Conduct credit risk assessments, develop credit models, collaborate on documentation, and implement monitoring for tokenized assets while ensuring regulatory compliance.
3 weeks ago
Generate Resume ↗Credit Risk Analyst | Tokenized RWA
RockawayX · Dubai
**About RockawayX** RockawayX is a global digital asset investment and engineering firm, combining venture investing, systematic yield strategies, and infrastructure to power the on\-chain economy. The firm manages appro
3 weeks ago
Generate Resume ↗Credit Risk Analyst | Tokenized RWA
RockawayX · Dubai
**About RockawayX** RockawayX is a global digital asset investment and engineering firm, combining venture investing, systematic yield strategies, and infrastructure to power the on\-chain economy. The firm manages appro
3 weeks ago
Generate Resume ↗Stop applying blindly.
Start getting hired.
Base Career automates the hardest parts of job searching — apply smarter, not harder.
AI Resume in 60s
Your resume rewritten for this exact role using the job description as the brief.
ATS-Optimized
Get past automated screening filters with the right keywords matched to each job.
Application Tracker
Track every job, follow-up, and interview in one visual kanban board.
Free plan · No credit card required