Senior Credit Analyst — Credit & Risk (Founding Hire)
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Key skills for this role
About the Role
Fincure.io, a Dubai-based fintech, is hiring its first dedicated credit hire to build the credit function from scratch. The role involves writing credit policies, underwriting forfaiting and invoice-linked financing deals, and evolving the credit engine.
Key Skills for This Role
Responsibilities
- Draft and own Fincure's credit policy, risk appetite framework, underwriting standards, and provisioning approach
- Assess live forfaiting and AAR transactions using dual obligor logic
- Own and evolve scorecard and limit setting model toward automated credit decisioning
- Set and monitor client, debtor, sector, and portfolio concentration limits
- Ensure every deal clears margin hurdle after cost of funds, opex, and expected loss
- Build early warning signals, manage portfolio health, and coordinate collections and recovery
- Keep underwriting and documentation aligned with UAE regulatory framework
Requirements
- 3+ years in credit / risk, ideally in trade finance, receivables or supply chain finance, factoring, invoice discounting, or SME lending
- Hands on underwriter comfortable writing policy and crunching deals
- Strong financial statement, cash flow, and debtor/buyer risk analysis skills
- Solid grasp of recourse and security structures
- Excel modeling proficiency
- Familiarity with UAE market, AECB, KYC/AML, and local SME credit dynamics
- High ownership and comfort in early stage, fast moving environment
Full Job Posting
The Role
- This is a builder's role, not a supervisor's role. You'll write our credit and risk policies from scratch, own the underwriting of live deals yourself, and shape the credit engine that powers our decisions. As we grow, this role grows into Head of Credit.
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.
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.
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