Job Description

Job Title: Credit Analyst – SME Lending & Fintech

Job Description: As a Credit Analyst specializing in SME Lending and Fintech at a digitally native bank, you will prepare credit memos and recommendations for approval — maintaining accurate records and reporting of credit evaluations while evaluating applicants’ financial information and communicating effectively with clients regarding credit decisions at a bank redefining how SME businesses access financial services.

Responsibilities:

• Prepare credit memos and recommendations for approval across SME lending and fintech credit portfolios
• Maintain accurate records and reporting of credit evaluations for regulatory and management review
• Evaluate applicants’ financial information — analysing credit history, financial statements, and collateral details
• Communicate effectively with clients regarding credit decisions, documentation requirements, and outcomes
• Apply experience in SME commercial lending, financial statement analysis, and fintech environments
• Monitor SME credit portfolio performance — identifying risk trends and escalating concerns to leadership
• Coordinate with Commercial, Operations, and Risk teams on SME credit application processing
• Stay current on UAE SME credit regulatory requirements and digital lending market developments

Qualifications Needed:

• Proven Credit Analyst experience — SME commercial lending, financial statement analysis, and fintech environments preferred
• Strong credit evaluation, financial statement analysis, and credit memo preparation skills
• Excellent client-facing communication for credit decision and documentation requirement advisory
• Understanding of UAE SME credit market dynamics and digital banking lending models
• CFA or equivalent qualification preferred
• UAE fintech or banking SME credit analysis experience strongly preferred

What the Company Offers:

• Credit Analyst SME Lending and Fintech role at BankByChoice — a digitally native bank in Dubai
• SME credit analysis mandate at a bank redefining how businesses access financial services through digital-first banking

Are you interested in this position? Apply by clicking on the “Apply Now” button below!

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