Who we are [Stealth] is a new Fintech player specializing in Debt-as-a-Service ("DaaS"), targeting partners who serve the SME banking and lending segment within the UAE. We tackle the difficulty most local SMEs face when seeking credit by removing the barriers that traditional banks in the UAE enforce. We want to make accessing credit simple, digital, and beneficial for those who need it most, local SMEs. [Stealth] is also backed by a newly launched investment fund from the region, ensuring an unfair advantage from day one.

Tasks & Responsibilities:

• Develop a new rating methodology from scratch, focusing on SME lending in the UAE
• Analyze SME counterparties, identify and quantify risk drivers that would affect loan origination
• Identify and recommend data providers and sources that would improve the new credit model
• For example, local credit bureaus, open banking providers, accounting integrations, etc.
• Define end-to-end credit product requirements and inputs, from loan origination to financial close
• Work closely with our Product Managers as to build a best-in-class SME lending solution
• Propose new and effective, world-class financial modeling, procedures, controls, and systems
• Produce financial reporting templates for the credit team, management, and investors
• Develop initial KPIs and growth metrics, which will define portfolio reporting from day one
• Maintain relationships with local regulatory bodies as to ensure compliance with local regulations

Requirements and Qualifications:

• Experienced finance professional with relevant qualifications, e.g. CFA, CRC, CAIA, etc.
• 7 to 10 years experience of working within financial services, specifically credit risk
• Have 3 to 5 years of within the Retail or SME lending credit risk segments
• Additionally, have 3 to 5 years of experience of lending to Retail or SME clients in the UAE
• Analytical background with a history of presenting findings to internal and external stakeholders
• Experience of building and improving credit risk models within Retail or SME lending segments
• You are aware and comfortable with new technologies that can support credit risk models
• You have previously worked for a local bank or fintech company in the UAE
• You are currently based within the UAE (Abu Dhabi or Dubai)
• Written and oral fluency in English and the ability to communicate effectively to stakeholders

Nice to haves:

• You have a proven track record as a credit risk analyst, supporting companies\' short-term
• Written and verbal fluency in Arabic
• An extensive local network (UAE), both within the startup ecosystem and financial services

What You Can Expect

• Attractive compensation based on your experience
• A hybrid work culture, which allows you to be flexible within the UAE
• A highly dynamic and energetic environment with a lot of opportunities to grow
• Space for your own ideas and taking responsibility fast
• Fame and glory for what you will have helped build
• Extensive health insurance package