Job Description

Location: Dubai
Job Title: Senior Finance - RNPL & Credit Risk
Salary: AED 15,000 + attractive commission structure
Role Overview
Our client is seeking a Senior Finance professional with strong expertise in loan approval, credit policy, and RNPL risk governance. This role is critical in ensuring disciplined credit decisions, Central Bank-compliant policies, strong cash flow visibility, and controlled portfolio risk, while maximizing sustainable returns. The role works closely with Sales, Admin, and Collections teams.
Key Responsibilities

• Assess and approve credit applications under RNPL / monthly payment plans in line with defined risk frameworks.
• Apply and enforce credit policies aligned with UAE Central Bank guidelines and best practices.
• Approve, decline, or escalate applications based on structured financial and risk criteria.
• Monitor and reconcile monthly RNPL inflows against expected collections; flag and analyze variances.
• Oversee commission calculations and validations linked to RNPL transactions.
• Partner with Collections on overdue accounts, delinquency trends, and recovery strategies.
• Proactively identify default risks and design mitigation plans with Collections.
• Draft, review, and maintain credit policies, approval guidelines, SOPs, and internal risk documentation.
• Maintain robust financial records and dashboards to support Admin, Listings, and Sales KPIs.
• Continuously monitor portfolio health, default ratios, and ROI to ensure long-term sustainability.

Experience & Qualifications

• Minimum 5 years of proven experience in loan approval, credit risk, or credit policy roles.
• Strong exposure to consumer lending, BNPL/RNPL, leasing, or structured payment portfolios.
• Solid understanding of UAE Central Bank credit policies, compliance standards, and risk governance.
• Demonstrated experience in writing and implementing credit policies, SOPs, and approval frameworks.
• Strong command of credit scoring, repayment behavior analysis, and portfolio risk controls.

Compensation & Incentives
Attractive Commission Structure:

• Quarterly performance bonuses linked to portfolio ROI, default reduction, and collection efficiency.
• Incentives aligned with portfolio quality, policy compliance, and repayment performance -- not volume-driven.
• Clear upside for disciplined, high-impact performers.

Skill Set

• Advanced financial analysis & forecasting
• Credit judgment & policy-driven decision-making
• Risk management & portfolio optimization
• Stakeholder coordination & commercial awareness
• High attention to detail, accountability, and governance mindset

To apply for this position click .

Skills Required