Job Description

Roles & Responsibilities

The Assistant Manager – Credit Underwriting is responsible for evaluating creditworthiness, assessing financial risks, and supporting credit decision-making for retail and/or corporate clients. The role ensures compliance with internal credit policies, regulatory requirements, and risk management frameworks while maintaining portfolio quality.

Credit Assessment & Underwriting

• Analyze loan applications, financial statements, and supporting documentation to assess borrower creditworthiness.
• Conduct detailed credit risk analysis, including income verification, cash flow analysis, and repayment capacity.
• Evaluate credit proposals for retail, SME, or corporate segments (as applicable) and provide recommendations.
• Ensure adherence to internal credit policies, lending guidelines, and regulatory requirements.

Risk Evaluation & Decision Support

• Identify potential risks and recommend appropriate mitigants.
• Review credit scores, bureau reports, and financial ratios.
• Assist in structuring loan proposals, including collateral evaluation and risk grading.
• Support decision-making by preparing credit appraisal notes and reports.

Portfolio Monitoring

• Monitor existing credit portfolio performance and highlight early warning signals.
• Assist in periodic reviews of accounts and limit renewals.
• Work closely with collections and risk teams to manage delinquent accounts.

Stakeholder Coordination

• Liaise with sales and operations teams to obtain required documentation.
• Coordinate with legal, valuation, and compliance teams for due diligence.
• Support internal/external audits and ensure timely closure of audit observations

Process Improvement

• Identify opportunities to enhance underwriting processes and turnaround time.
• Contribute to automation initiatives and policy updates

Desired Candidate Profile

Knowledge & Skills

Essential

• Strong knowledge of credit analysis, financial statement interpretation, and risk assessment
• Familiarity with credit bureau reports and risk rating models
• Proficiency in MS Excel and credit underwriting systems
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Preferred

• Strong analytical and problem-solving abilities
• Attention to detail and decision-making skills
• Excellent communication and stakeholder management
• Ability to work under pressure and meet deadlines

Educational Qualifications

Bachelor’s degree in Finance, Accounting, Economics, or related field

Relevant Experience

• 5–8 years of experience in credit underwriting, risk assessment, or lending operations
• Experience in banking, NBFC, or fintech preferred
• Professional qualifications (CA, CFA, MBA – Finance) preferred
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About the job

About Fanatics Momentum

Fanatics Momentum is building the UAE's leading regulated commercial gaming operator. Licensed by the General Commercial Gaming Regulatory Authority (GCGRA), we operate across lottery, iGaming, sportsbook, and digital content, combining Momentum's regional foundation with Fanatics' global product, technology, and scale. The business is ambitious, well-resourced, and moving fast. If you want to help build a category-defining operator in one of the world's most exciting regulated gaming markets, this is the right time to join.

Commercial Financial Analyst

Key Responsibilities

Commercial /Financial Analysis

• Perform detailed analysis of financial and operational performance to identify trends, opportunities, risks and key business drivers.
• Analyse revenue, margins, customer behaviour, product performance, costs and profitability to support commercial decision-making.
• Develop financial models and scenario analyses to assess new initiatives, investments and commercial opportunities.
• Support analysis of key commercial metrics including customer acquisition cost (CAC), lifetime value (LTV), return on investment (ROI), payback periods, margins and profitability.
• Analyse performance by product, customer segment, channel and other relevant business dimensions.
• Perform variance analysis against budget, forecast and prior periods, identifying and clearly explaining the underlying drivers.
• Turn large volumes of financial and operational data into meaningful, actionable business insights.
• Work closely with FP&A to support budgeting, forecasting and longer-term financial planning.
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Management Reporting

• Support the preparation of monthly and quarterly management reporting, including performance analysis and commentary.
• Develop dashboards, KPIs and analytical reporting that provide management with clear visibility of business performance.
• Identify emerging trends and proactively highlight areas requiring management attention.
• Move beyond reporting what happened by providing insight into why it happened, what it means for the business, and what actions should be considered.
• Support ad-hoc financial and commercial analysis requested by senior management.
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Executive Presentations

• Prepare high-quality, visually compelling PowerPoint presentations for the Finance, Strategy and Executive Leadership teams.
• Translate complex financial and commercial analysis into clear executive-level messages, charts and visualisations.
• Develop presentation materials for management meetings, Board discussions, strategic reviews and business performance reviews.
• Ensure presentations have a strong narrative and clearly communicate the key message, rather than simply presenting financial data.
• Maintain consistently high standards of presentation design, formatting, accuracy and visual communication.
• Help establish templates and presentation standards across Finance to improve the quality and consistency of management reporting.
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Business Partnering

• Work closely with Finance, Commercial, Marketing, Strategy, Product and other functions to understand business performance and key commercial drivers.
• Challenge assumptions constructively and provide fact-based analysis to support decision-making.
• Support business cases for new products, initiatives, investments and strategic opportunities.
• Develop a strong understanding of the underlying business model and use financial analysis to influence commercial decisions.
• Act as a bridge between detailed financial/data analysis and senior management decision-making.
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Skills & Experience

• Bachelor’s degree in Finance, Accounting, Economics, Business, Mathematics, Data Analytics or a related discipline.
• Strong experience in FP&A, commercial finance, financial analysis, business analysis or a similar analytical role.
• Exceptional numerical and analytical skills with the ability to work confidently with large and complex datasets.
• Advanced Excel skills, including financial modelling, scenario analysis and manipulation of large datasets.
• Advanced PowerPoint skills, with demonstrated ability to create professional, visually engaging and executive-quality presentations.
• Strong understanding of financial statements, budgeting, forecasting, variance analysis and commercial KPIs.
• Ability to transform complex analysis into simple, clear and actionable insights.
• Strong attention to detail and commitment to accuracy.
• Excellent written and verbal communication skills.
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What Success Looks Like

• Success in this role means providing management with analysis that improves decision-making.
• The Commercial Finance Analyst should not simply produce reports. They should be able to take financial and operational data, identify the commercial story behind the numbers, communicate it clearly and visually, and help management determine what action should be taken next.
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• At Fanatics Momentum, we’re proud to be a fair, transparent, and inclusive employer. We value diversity, collaboration, and innovation, and we’re committed to creating an environment where every team member can thrive. If you’re ready to grow your career and help us build Momentum, we’d love to hear from you.