Job Title: Credit Policies Manager

Location: Dubai
Job Type: Permanent | Full-time

Job Overview:

We are seeking an experienced Credit Policies Manager to oversee the implementation of credit risk management standards (CRMS), coordinate regulatory reporting, and manage policy compliance for a leading financial institution in the UAE. This role involves policy review, risk assessment, stakeholder coordination, and governance of credit risk activities, including central bank audits.

Key Responsibilities:

• Credit Risk Policy & Implementation: Review and implement changes as per CRMS guidelines, ensuring compliance with credit risk frameworks, policies, and delegated lending authorities.

• Credit Proposal Review: Evaluate credit proposals, green light memos, and related documents, providing insights and recommendations to senior management.

• Risk Monitoring & Tracking: Maintain and track credit risk indicators, including past dues, excess, and expired reviews, across corporate, financial institutions, treasury, and retail portfolios.

• Credit Assurance & Audit Coordination: Conduct credit assurance reviews, analyze risk findings, and support internal and external audit processes, including central bank examinations.

• Governance & Compliance: Assist in preparing and maintaining standard operating procedures (SOPs) for credit risk functions, ensuring alignment with best practices.

• Financial Reporting & Provisions: Work with finance and business teams to coordinate credit provisions, forecast financial impacts, and automate reporting for risk management.

• Stakeholder Coordination: Support the Distressed Asset Committee (DAC), organize meetings, document decisions, and ensure timely follow-ups.

• Regulatory & Board Reporting: Assist in the preparation of credit risk management reports for CCC, Risk Committee, and Board Risk & Sustainability Committee.

• Risk Projects & Stress Testing: Participate in risk analytics projects, stress testing, and implementation of risk management platforms.

Qualifications & Experience:

• Education: Graduate or Postgraduate in Finance, Economics, or related fields. Chartered Accountant (CA) or Chartered Financial Analyst (CFA) is a plus.

• Experience: Minimum 5-6 years in credit risk or policy roles within UAE banks, with an overall 15+ years in banking. Prior experience in credit underwriting, business approval, and risk compliance is essential.

• Technical Skills: Strong expertise in regulatory compliance, credit risk analytics, enterprise risk management, Basel standards, and financial reporting.

• Behavioral Skills: Excellent communication, analytical thinking, problem-solving, and ability to drive change in risk management policies.