Unity Infotech
Business Analyst Lead- Credit Risk & lending
Dubai, UAEPosted 2 days ago
- Salary
- AED 12k–20k a month· est.
- Job type
- Full time
- Level
- Lead
- Field
- Finance & Accounting
- Work mode
- On site
About the role
Position: Business Analyst Lead – Credit Risk and Lending Location: Dubai 8-10 Years of Experience Required Qualification: 1. Bachelor’s degree (or equivalent) in Banking and Finance, Business Administration, Accounting, Economics, Information Technology or a related field. 2. CBAP (Certified Business Analysis Professional) or PBA (Professional in Business Analysis) certification is preferred. 3. A product ownership certification (for example PSPO, CSPO or SAFe POPM) is preferred. Preferred experience: 1. 8 to 10+ years of overall experience in banking or financial services, primarily in business analysis, including at least 6 years in the credit risk and lending space – credit origination, underwriting, credit decisioning, risk rating or credit monitoring programmes. 2. Demonstrable functional expertise in the credit and business processes of Micro / SME, Mid Corporate and Large Corporate segments, with a working understanding of how credit is assessed, approved and monitored in practice. 3. Experience leading business analysis on at least two end-to-end credit origination, loan origination system, credit decisioning or credit risk platform implementations, taken from requirements through Go-Live. 4. A track record of crafting digital journeys and shaping product backlogs in a product owner or proxy product owner capacity. 5. Hands-on use of generative AI tools in business analysis – drafting requirements, process flows and indicative wireframes – within appropriate data and control boundaries. 6. Experience integrating credit platforms with spreading and rating engines, credit bureaux (AECB and CBRB), registries (EIRC and DED) and core banking. 7. Experience of delegation-of-authority frameworks, credit committee workflows and post-approval documentation, limit and booking processes. 8. UAE or wider GCC banking experience is strongly preferred, with working familiarity with CBUAE regulatory expectations. 9. Demonstrated experience working in Agile, hybrid and vendor-led delivery models, including onsite engagements at client premises. 10. Arabic language ability is advantageous.
Requirements
- Required Qualification:
- 1. Bachelor’s degree (or equivalent) in Banking and Finance, Business Administration, Accounting, Economics, Information Technology or a related field.
- 2. CBAP (Certified Business Analysis Professional) or PBA (Professional in Business Analysis) certification is preferred.
- 3. A product ownership certification (for example PSPO, CSPO or SAFe POPM) is preferred.
- Preferred experience:
- 1. 8 to 10+ years of overall experience in banking or financial services, primarily in business analysis, including at least 6 years in the credit risk and lending space – credit origination, underwriting, credit decisioning, risk rating or credit monitoring programmes.
- 2. Demonstrable functional expertise in the credit and business processes of Micro / SME, Mid Corporate and Large Corporate segments, with a working understanding of how credit is assessed, approved and monitored in practice.
- 3. Experience leading business analysis on at least two end-to-end credit origination, loan origination system, credit decisioning or credit risk platform implementations, taken from requirements through Go-Live.
- 4. A track record of crafting digital journeys and shaping product backlogs in a product owner or proxy product owner capacity.
- 5. Hands-on use of generative AI tools in business analysis – drafting requirements, process flows and indicative wireframes – within appropriate data and control boundaries.
- 6. Experience integrating credit platforms with spreading and rating engines, credit bureaux (AECB and CBRB), registries (EIRC and DED) and core banking.
- 7. Experience of delegation-of-authority frameworks, credit committee workflows and post-approval documentation, limit and booking processes.
- 8. UAE or wider GCC banking experience is strongly preferred, with working familiarity with CBUAE regulatory expectations.
- 9. Demonstrated experience working in Agile, hybrid and vendor-led delivery models, including onsite engagements at client premises.
- 10. Arabic language ability is advantageous.
Responsibilities
Note: The posting does not include a distinct 'Responsibilities' section. Content described qualifies as role duties across qualifications and preferred experience. No separate responsibilities extractable.
Skills
- CBAP
- PBA
- PSPO
- CSPO
- SAFe POPM
- credit origination
- loan origination system
- credit decisioning
- credit risk
- digital journeys
- product backlog
- generative AI tools
- requirements drafting
- process flows
- wireframes
- credit bureaux (AECB, CBRB)
- core banking
- delegation of authority frameworks
- credit committee workflows
- post-approval documentation
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