Senior Manager - Credit Risk

Title: Senior Manager - Credit Risk Location: Dubai Key Responsibilities • Conduct comprehensive credit assessments across a range of wholesale exposures, including large corporates, financial institutions, government-related entities, multinational clients, and institutional counterparties, supporting new facilities, renewals, amendments, and credit reviews. • Evaluate borrower financial strength, risk profiles, and credit structures, preparing recommendations and risk assessments for senior approval committees. • Monitor portfolio quality through review of early warning indicators, watchlist exposures, covenant compliance, concentration risks, and asset quality trends, ensuring timely identification and escalation of emerging risks. • Develop and enhance credit risk frameworks, policies, procedures, and governance standards in line with regulatory expectations and the organisation s risk appetite. • Support risk reporting and strategic initiatives, including portfolio analysis, regulatory requirements, process improvements, and credit risk automation projects. • Bachelor s degree in Finance, Accounting, Economics, or a related discipline; professional qualifications such as CFA or CA are advantageous. • 10 12 years experience within credit risk, wholesale credit, or credit underwriting functions within a banking environment, with a minimum of 7 years experience across GCC or MENAT markets. • Strong experience assessing complex credit exposures, including large corporates and institutional counterparties, with proven capability in financial statement analysis, credit structuring, and risk assessment. • Good understanding of credit risk frameworks, IFRS 9 / ECL methodologies, portfolio management, internal rating models, and regulatory expectations. • Strong stakeholder management skills with the ability to engage senior stakeholders, credit committees, and cross-functional teams effectively.