Associate Vice President - Credit

**Full time**Work Experience

**6-10 years**Industry

**337-1500**### **About Us**

Yubi stands for ubiquitous.

But Yubi will also stand for transparency, collaboration, and the power of possibility.

From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products

Yubi is the place to unleash potential.

Freedom, not fear.

Avenues, not roadblocks.

Opportunity, not obstacles.

Yubi is building the most intelligent debt financing infrastructure for the MENA region,connecting enterprise borrowers with a curated network of banking and institutional lenders through its proprietary Loans platform.

As AVP – Credit, you will be the cornerstone of every credit decision that flows through Yubi's platform — the expert lens through which borrower quality is assessed, lender requirements are interpreted, and deals are brought to closure with precision.

This is a high-ownership, high-impact role combining rigorous analytical work with meaningful relationship stewardship across banks, customers, and internal teams.

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Team Leadership — UAE & India

Lead, mentor, and develop a bi-locational team of credit analysts across the UAE and India.

Set credit review standards, manage review quality and capacity, and build a high-performance credit culture aligned with Yubi's MENA growth objectives.

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First-Level Credit Review — Platform Deals

Act as the mandatory first gate for every enterprise loan application processed via Yubi Loans.

Evaluate each credit profile using the Business Rules Engine (BRE) parameters defined by each partner lender, ensuring every application meets the credit bar before lender submission.

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CAM Memo Ownership & End-to-End Credit Assessment

Own the quality of Credit Appraisal Memoranda (CAMs) generated from Platform, Ensure comprehensive financial analysis, ratio interpretation, and business due diligence through to risk commentary and deal structuring rationale in CAM leveraging in-house AI tools.

Ensure every CAM meets lender-specific requirements, quality standards, and regulatory expectations.

Serve as Yubi's primary credit interface with partner banks and financial institutions.

Manage ongoing relationships with bank credit teams, navigate lender BRE nuances, respond to due diligence queries, and maintain deal velocity throughout the approval process.

Conduct weekly cadence meetings with partner lenders.

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In-House Credit Counsel to Relationship Managers

Act as the go-to credit advisory resource for Yubi's RMs.

Guide on deal structuring, identify red flags early, advise on optimal lender selection based on BRE fit, and empower customer-facing teams with credit intelligence before engaging lender counterparts.

Conduct in-house product refresher trainings to Yubi RMs.

You also get

Regional Platform Ownership — build and shape the credit function for Yubi's MENA expansion, one of the most consequential fintech platforms entering the region's debt market.

High-Impact Role at Scale — every deal you review flows through Yubi Loans; your decisions directly influence borrower access to capital and lender relationships.

Exceptional Network Access — regular engagement with C-suite borrowers and senior credit decision-makers at the UAE's leading banks and institutional lenders.