Senior Credit Analyst — Credit & Risk (Founding Hire)

Overview

The Role

What You'Ll Own

• Credit & risk policy — draft and own Fincure's credit policy, risk appetite framework, underwriting standards, and provisioning / expected-loss approach.
• Deal underwriting (hands-on) — assess live forfaiting and AAR transactions using dual-obligor logic: underwriting both the seller/client and the debtor/buyer, and structuring recourse and security accordingly.
• Credit scoring & the credit engine — own and evolve our scorecard and limit-setting model as we move toward automated credit decisioning.
• Limits & concentration — set and monitor client, debtor, sector, and portfolio concentration limits, and flag exposures before they become problems.
• Risk-based pricing — ensure every deal clears our margin hurdle after cost of funds, opex, and expected loss.
• Portfolio monitoring — build early-warning signals, manage the health of the book, and coordinate collections and recovery.
• Regulatory alignment — keep underwriting and documentation aligned with the UAE regulatory framework (the new Civil Transactions Law / Federal Decree-Law No. 25 of 2025, CBUAE posture, EMCR registration discipline, and assignment-of-rights structuring).
• What Success Looks Like in Your First 6 Months
• A documented, board-ready credit and risk policy is live and in use.
• Every deal is underwritten against a consistent, defensible framework — decisions are explainable, not gut-feel.
• The credit engine is running, calibrated, and trusted, with a clear roadmap to automation.
• Portfolio quality is monitored proactively, with concentration and early-warning dashboards in place.

What We'Re Looking For

• 3+ years in credit / risk, ideally in trade finance, receivables or supply-chain finance, factoring, invoice discounting, or SME lending.
• A genuinely hands-on underwriter — someone comfortable being the one who writes the policy and crunches the deal, not delegating it.
• Strong financial statement, cash-flow, and debtor/buyer risk analysis skills, and a solid grasp of recourse and security structures.
• Excel modeling proficiency (our credit engine is Excel-based today).
• Familiarity with the UAE market — AECB, KYC/AML, and local SME credit dynamics.
• High ownership and comfort operating in an early-stage, fast-moving environment where you build rather than inherit.

Bonus Points

• Direct forfaiting / non-recourse receivables experience.
• Working knowledge of the new UAE Civil Transactions Law and its impact on assignment and security.
• Exposure to building or specifying automated credit decisioning.
• A bank or NBFI trade-finance background.

Why Join Fincure

• Founding credit hire - you build the function, you don't inherit someone else's.
• Direct partnership with the founder/CEO and a real seat at the table on strategy and structuring.
• Clear path to Head of Credit as the book and the team scale.
• A chance to shape a category in one of the fastest-growing corners of UAE SME finance.