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Credit Analyst at Gargash Group
Dubai, Dubai, United Arab Emirates -
Full Time

Start Date

Immediate

Expiry Date

07 Jan, 27

Salary

85000.0

Posted On

09 Oct, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Yes

Skills

Industry

Banking & Credit

Description
  • KEY DUTIES & RESPONSIBILITIESApplication Assessment & UnderwritingReview individual and corporate lease applications for completeness, accuracy and eligibility against the company credit policy and product criteria.
  • Validate applicant documentation including identification, residency and visa status, salary certificates, employment confirmation, bank statements, trade licenses, and audited or management financial statements for corporate applicants.
  • Obtain and interpret credit bureau reports, assessing repayment history, existing facilities, defaults, bounced payments and enquiry patterns.
  • Verify employer, income and contact details independently where required, and identify inconsistencies between declared and documented information.


  • Affordability & Risk AnalysisCalculate disposable income, debt burden and affordability headroom, taking into account existing obligations, dependants, housing costs and the proposed lease rental.
  • Assess the stability and sustainability of income, including employer standing, sector risk, length of service and contract or commission based earnings.
  • For corporate and fleet applicants, analyze liquidity, leverage, profitability and cash flow, assess group and related party exposure, and evaluate the strength of any guarantee offered.
  • Assess the asset and structure risk of each proposal, including vehicle type, tenor, mileage assumptions, down payment, residual value exposure and security arrangements.


  • Fraud Prevention, KYC & ComplianceComplete customer due diligence and know your customer checks, including identity verification, beneficial ownership for corporate applicants, and sanctions and adverse media screening.
  • Identify indicators of application fraud, document forgery, income inflation and identity misuse, and escalate suspicious cases through the correct channel without alerting the applicant.
  • Ensure that all applications are processed in line with company policy, applicable UAE anti-money laundering requirements, and data protection and confidentiality obligations.
  • Verify that insurance, registration and contractual requirements are satisfied as a condition of activation.

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Responsibilities