Credit Lead - UAE

FlapKap
Dubai
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 4-6 yearsSkills: ["Judgement","Analytical thinking","Communication","Defending decisions","Collaboration"]

Own end-to-end underwriting for POS Financing, Short Term Loans, and Invoice Discounting for SMEs in the UAE. As the senior underwriter, you take the hardest credit files, interrogate AECB and financial documents, and present clear recommendations to the Investment Committee. You’ll also improve AI-powered credit models and policy criteria using portfolio performance data, tightening risk ratings and driving better calibration over time.

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FursaFursa
FlapKap
FlapKap
2 days ago

Credit Lead - UAE

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Last checked: 13 hours agoStatus: Live

Job Summary

Own end-to-end underwriting for POS Financing, Short Term Loans, and Invoice Discounting for SMEs in the UAE. As the senior underwriter, you take the hardest credit files, interrogate AECB and financial documents, and present clear recommendations to the Investment Committee. You’ll also improve AI-powered credit models and policy criteria using portfolio performance data, tightening risk ratings and driving better calibration over time.
Location: Dubai
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Underwrite POS, STL, and ID applications end to end using product-specific credit models; assess capacity and willingness to repay and assign risk ratings.
  • •Interrogate AECB reports against bank statements and facility letters.
  • •Present cases to the Investment Committee with a clear recommendation, structure, conditions, and take ownership of outcomes.
  • •Manage enhanced-review files, structure security and conditions, and handle appeals and exception requests from the commercial team.
  • •Improve credit models and policy: analyze portfolio performance, recalibrate scorecards/rating logic, propose policy amendments, and translate policy into automated pre-screening rules.

Pay and Benefits

Perks:Paid LeaveHealth Insurance

Key Requirements

  • •4–6 years in SME credit, in UAE bank SME lending or a fintech/non-bank lender.
  • •Hands-on underwriting experience with SME files, including bank statement analysis, VAT reconciliation, ageing reports, and financial spreading.
  • •Working knowledge of UAE credit infrastructure including AECB, trade licenses, Ejari, VAT filings, and cheque-based security/enforcement.
  • •Strong AI skills with experience using models to create value for a credit team.
  • •Excellent judgement to reject requests and provide clear, evidence-backed analysis.
Experience:4-6 yearsFintechLendingSME credit
Skills:JudgementAnalytical thinkingCommunicationDefending decisionsCollaboration
Tech Stack:AICredit modelsScorecardsAutomated decisioning

Company Brief

FlapKap
Provides a payroll and workforce management platform for startups and SMEs to manage contractors, freelancers, and employees. Automates onboarding, payroll processing, compliance, invoicing, and contractor payments to simplify HR and finance workflows.
Industry: HR Tech
Company Size: Small (11 to 50 employees)
Growth: Early Stage Startup
Headquarters: Paris, France
WebsiteLinkedIn