UAE National | Credit Risk Manager | Al Futtaim Finance

Engage in Credit Risk Assessment for Leasing and Inhouse Finance.

Support the development of a Credit Risk Framework, including Risk Policy Guidelines, Policy Renewal Program, and Portfolio Credit Management.

Perform detailed analytics of underwritten portfolios and collections data.

Create Risk reporting dashboards for various segments and countries.

Proactively monitor key credit risk metrics relating to product, channel, exceptions, and vintage performance.

Document performance versus risk profiles and thresholds and provide improvement suggestions.

Develop analytics to support potential changes to credit policies.

Underwrite Lease applications from Individuals for up to 2 units, subject to change based on volumes and skills.

Underwrite Lease applications from Corporates for up to 30 units, requiring detailed bank statement reviews.

Underwrite Credit applications from Individuals for finance amounts above specific thresholds (up to AED 200k).

Underwrite Credit applications from Corporates for finance amounts below AED 1 million, requiring detailed bank statement reviews.

Submit Risk Newsletter, Risk Council Deck, and Credit Committee Deck within deadlines.

Implement and monitor Credit Delegation framework in line with Group/Risk requirements.

Support the development of technology infrastructure including deployment of IT systems.

Manage annual policy review and portfolio thresholds.

Ensure understanding and acceptance of Risk criteria and KPIs across all levels.

Create and manage a training program for enhancing capabilities and risk decision-making.

Required Skills To Be Successful:

Proficiency in credit risk analysis and underwriting processes.

Ability to develop and implement credit risk frameworks.

Strong communication and reporting skills.

Proficient in using risk management software and IT systems.

What Qualifies You For The Role:

Bachelor's degree in Finance, Accounting, or related field.

5+ years of experience in credit risk management, preferably in automotive finance.

Strong analytical skills with ability to perform detailed risk assessments.

Experience in regulatory and technical matters affecting automotive financing.

About Al-Futtaim Real Estate

With a legacy of more than six decades in real estate and asset management, Al-Futtaim Real Estate – part of Al-Futtaim – creates real impact on the communities it serves through long-term investment and growth. As one of the region’s leading private developers, the company plans, creates and manages developments across the MENA region.

Al-Futtaim Real Estate has a diversified, multi-billion-dollar portfolio across the real estate value chain and asset types such as residential, commercial, malls and industries including hospitality, healthcare, infrastructure and education. Flagship mixed-use urban communities include Dubai Festival City and Cairo Festival City.

Al-Futtaim Real Estate is also responsible for Al-Futtaim Contracting, a fully integrated, end-to-end specialist division operating across the UAE, Saudi Arabia, Qatar and Egypt. The business has delivered industry-leading construction, engineering, technology and FM solutions for more than 50 years.