• Credit Assessment & ApprovalReview and approve personal loan applications within delegated lending authority.
• Conduct detailed assessment of customer repayment capacity, indebtedness, employment stability, income sustainability, and overall creditworthiness.
• Evaluate exceptions and policy deviations and provide recommendations with appropriate risk mitigants.
• Ensure adherence to internal credit policies, underwriting standards, and regulatory requirements.
• Recommend policy enhancements and risk controls to improve portfolio quality.
• Support credit strategy initiatives to balance portfolio growth and risk management objectives.
• Ensure department Standard Operating Procedures (SOP) are up to date at all times.
• Implement process improvements to enhance credit quality and operational efficiency.
• Support internal and external audits and regulatory reviews.
• Monitor approval quality, deviation trends, concentration risks, and delinquency indicators.

• Stakeholder ManagementWork closely with Retail Banking, Sales, Operations, Collections, Compliance, and Risk teams.
• Provide guidance to business units regarding lending criteria and policy interpretation.
• Escalate high-risk cases and material portfolio concerns to senior management.

• Team ManagementLead, coach, and develop credit analysts and credit officers.
• Allocate workload and monitor productivity and service delivery.
• Ensure quality reviews and adherence to turnaround time commitments.
• Foster a strong risk culture within the team.

Experience & Qualifications

• Bachelor degree in Finance, Banking or related discipline
• Professional certifications in Risk Management or Credit Analysis are advantageous.
• 5 years’ experience in consumer lending and Retail Credit.
• Strong experience in personal loan underwriting
• Prior people management experience preferred
• Effective communication skills in English and Arabic