Credit Manager - Trade Finance

Credit Manager (Trade Finance) – SME LendingThe opportunityA fast-growing UAE fintech lender is hiring a Credit Manager to strengthen its trade finance approval capability. The business has scaled quickly and needs an experienced credit decision-maker who can approve or decline SME trade finance cases independently, at pace, while keeping risk discipline high.This is a hands-on role in a scaling team. You won’t manage people initially, but you will guide analysts, improve case quality, and remove the credit approval bottleneck.What you’ll be doingTake final credit decisions on SME trade finance cases within delegated authorityAssess and structure facilities including working capital lines, invoice discounting, and reverse factoringReview analyst credit memos, challenge assumptions, and raise quality of analysis and documentationSpot fraud and operational risk flags early and push for the right mitigantsPresent and defend decisions in a risk committee setting when requiredHelp standardise underwriting approaches and improve turnaround time without compromising qualityWork closely with the Head of Credit and cross-functional stakeholders to keep approvals flowingWhat you needMinimum 4 years of direct experience in trade finance credit (ideally 5 to 10 years overall credit experience)Strong exposure to SME lending in the UAE market (mandatory)Practical understanding of trade finance products and risk drivers: invoice discounting, reverse factoring, working capital facilitiesComfortable operating in a fast-paced environment with high volumes and tight SLAsStrong written and verbal communication in English, able to justify approvals and declines clearlyConfidence owning decisions, not relying on layers of committee approval for every caseNice to haveExperience in fintech, alternative lending, or high-growth environmentsPrior involvement in credit policy refinement, delegated authority frameworks, or process improvementsExperience working with data-led credit processes and rapid credit turnaround expectations#J-18808-Ljbffr