Credit Risk Officer, SME Lending
Lendara Ltd | Dubai, UAE | Full-time, on-site | Start: early January 2027
About Lendara
Lendara is a DIFC-based platform financing UAE SMEs through asset-backed term loans and invoice discounting, funded by institutional lenders. We are launching shortly and building our credit function from the ground up.
The role
You will assess the SMEs that borrow through Lendara, evaluate the assets securing their loans, and keep the portfolio within our risk appetite.
- Analyse SME financial statements, bank statements, cash flows and AECB reports
- Grade borrowers and recommend limits, structure and security
- Assess collateral value, loan-to-value and enforceability, and coordinate independent valuations
- Assess invoice discounting risk: debtor quality, invoice verification, concentration
- Monitor portfolio performance, early warning signals and arrears
- Prepare credit committee papers and risk reports
- Help build our credit policy, scoring model and risk appetite
- Work with compliance and finance on KYC and regulatory reporting
Requirements
- 5+ years in SME or commercial credit risk at a UAE bank
- Hands-on underwriting of UAE SMEs
- Experience in collateral evaluation for real estate, vehicles, trucks and trailers, and construction equipment
- Strong financial statement, cash flow and working capital analysis
- Experience with Al Etihad Credit Bureau (AECB) reports and UAE SME documentation
- Bachelor's degree in Finance, Accounting, Economics or a related field; CFA, FRM or ACCA is an advantage
- Advanced Excel; experience with scoring models is a plus
- Fluent English; Arabic is an advantage
- Based in Dubai
How to apply
Send your CV to m.lisitski@lendara.ae with "Credit Risk Officer" in the subject line.
