Head of Credit - Al Futtaim - Dubai, UAE

• Develop and maintain the Credit Risk Management Framework and Credit Policy aligned with UAE Central Bank regulations and corporate governance standards.
• Define risk appetite, credit approval authority limits, and product-specific underwriting criteria.
• Chair or participate in Credit Committee meetings and oversee sound credit decision-making.
• Lead consumer and corporate underwriting across personal loans, credit cards, auto finance, SME lending, and operating lease portfolios.
• Monitor portfolio quality, delinquency trends, concentration risk, and recommend mitigation strategies.
• Ensure compliance with CBUAE regulations, Consumer Protection Standards, AML/CFT requirements, and related circulars.
• Prepare and present periodic credit risk reports to senior management, Board Risk Committee, and regulators.
• Liaise with regulators during inspections and manage responses to regulatory reviews.
• Establish robust end-to-end credit approval workflows including KYC, AML, documentation, and limit controls.
• Maintain segregation of duties between origination, underwriting, and recovery functions.
• Build and lead a high-performing credit risk and analytics team.
• Drive digital transformation initiatives in credit scoring, automation, and system enhancements.

• 10-15 years of progressive credit risk and underwriting experience in UAE banking or finance sector.
• At least 5 years in a senior leadership or department head role.
• Strong engagement experience with UAE Central Bank and regulatory frameworks.
• Proven expertise in IFRS 9, Basel risk standards, portfolio analytics, and collections strategy.
• Experience in digital lending systems and automated credit decision tools.

• Credit risk strategy and portfolio management
• Regulatory compliance and governance
• Consumer and corporate credit underwriting
• Risk analytics and delinquency monitoring
• IFRS 9 and ECL frameworks
• Credit policy design and implementation
• Leadership and team development
• Financial analysis and reporting

• Strategic leadership role within a diversified regional business group in Dubai.
• Opportunity to shape credit governance and risk transformation initiatives.
• Exposure to multi-product lending portfolio in a regulated environment.
• Career growth within a reputable financial services division.

• Develop and maintain the Credit Risk Management Framework and Credit Policy aligned with UAE Central Bank regulations and corporate governance standards.
• Define risk appetite, credit approval authority limits, and product-specific underwriting criteria.
• Chair or participate in Credit Committee meetings and oversee sound credit decision-making.
• Lead consumer and corporate underwriting across personal loans, credit cards, auto finance, SME lending, and operating lease portfolios.
• Monitor portfolio quality, delinquency trends, concentration risk, and recommend mitigation strategies.
• Ensure compliance with CBUAE regulations, Consumer Protection Standards, AML/CFT requirements, and related circulars.
• Prepare and present periodic credit risk reports to senior management, Board Risk Committee, and regulators.
• Liaise with regulators during inspections and manage responses to regulatory reviews.
• Establish robust end-to-end credit approval workflows including KYC, AML, documentation, and limit controls.
• Maintain segregation of duties between origination, underwriting, and recovery functions.
• Build and lead a high-performing credit risk and analytics team.
• Drive digital transformation initiatives in credit scoring, automation, and system enhancements.

• 10-15 years of progressive credit risk and underwriting experience in UAE banking or finance sector.
• At least 5 years in a senior leadership or department head role.
• Strong engagement experience with UAE Central Bank and regulatory frameworks.
• Proven expertise in IFRS 9, Basel risk standards, portfolio analytics, and collections strategy.
• Experience in digital lending systems and automated credit decision tools.

• Credit risk strategy and portfolio management
• Regulatory compliance and governance
• Consumer and corporate credit underwriting
• Risk analytics and delinquency monitoring
• IFRS 9 and ECL frameworks
• Credit policy design and implementation
• Leadership and team development
• Financial analysis and reporting

• Strategic leadership role within a diversified regional business group in Dubai.
• Opportunity to shape credit governance and risk transformation initiatives.
• Exposure to multi-product lending portfolio in a regulated environment.
• Career growth within a reputable financial services division.

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