Associate Vice President - Credit
On-siteDubai, Dubai, United Arab Emirates
Job Summary
Lead and mentor a bi-locational team of credit analysts across UAE and India, establishing review standards and managing capacity for Yubi's MENA expansion. Execute first-level credit reviews for all enterprise loan applications, evaluating profiles against Business Rules Engine parameters and authoring comprehensive Credit Appraisal Memoranda with financial analysis and risk commentary. Serve as the primary interface with partner banks, conducting weekly cadence meetings to navigate lender requirements and maintain deal velocity. Advise relationship managers on deal structuring and lender selection, while owning the end-to-end deal lifecycle from sanction to disbursement. Develop fluency in multi-lender credit policies and refine internal assessment frameworks to improve conversion rates and reduce turnaround time.
Required Qualifications
- 8–14 years of credit underwriting experience in commercial and corporate banking in UAE
- at least 3 years in a senior or team-lead role
- Demonstrable expertise in SME, Commercial and Corporate credit products across term loans, working capital, trade finance, and structured debt
- Strong track record of CAM preparation and presenting to credit committees in a bank, NBFC, or fintech lending environment
- Prior experience working within a UAE / GCC banking institution or as a key lender-relationship owner in the region
- Degree in Finance, Accounting, Economics, or related field
- Comfort managing bi-locational teams across time zones (India + UAE)
Desired Qualifications
- CA / CFA / MBA (Finance)
- Prior exposure to fintech lending platforms, marketplaces, or debt distribution businesses
- Experience interpreting and applying multi-lender BRE / credit policy frameworks in a platform or marketplace context
- Familiarity with CBUAE / Central Bank of UAE credit regulations and documentation standards
- Ability to translate complex credit findings into clear, actionable narratives for non-credit audiences
- Proven ability to manage deal pipelines under pressure while maintaining underwriting rigour
- Entrepreneurial mindset — comfortable operating in a high-growth, ambiguous environment where processes are still being built
Hiring someone like this?
Get your role in front of qualified candidates on Sorce.