Senior Associate - Credit Analyst

Job Information

Company

Spocto

Date Opened

08/13/2025

Job Type

Full time

Industry

Financial Services

City

Dubai

State/Province

Dubayy (Dubai)

Country

United Arab Emirates

Zip/Postal Code

337-1500

About Us

Yubi stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility.

From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products

Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles.

Job Description

Key Responsibilities:

• Credit Evaluation: Analyse applicants' financial information, credit history, and other relevant data to assess their creditworthiness for loan applications.
• Risk Assessment: Identify and evaluate potential risks associated with loan approvals and recommend appropriate actions.
• Data Analysis: Utilize advanced analytics to interpret data trends and insights, providing actionable recommendations to improve loan performance.
• Reporting: Prepare comprehensive credit analysis reports for internal stakeholders, highlighting key findings and recommendations.
• Collaboration: Work closely with sales teams to understand customer profiles and ensure alignment with credit policies.
• Policy Compliance: Ensure adherence to company credit policies and regulatory requirements, updating them as necessary based on market changes.
• Client Interaction: Communicate effectively with clients regarding credit decisions and provide guidance on improving credit profiles when needed.
• Continuous Improvement: Stay updated on industry trends, emerging risks, and best practices in credit analysis to enhance processes and methodologies.

Qualifications:

• Bachelor’s/Master’s degree in Finance, Business, Economics, or a related field.
• Proven experience in credit analysis, preferably in a fintech or banking environment.
• Strong understanding of credit scoring models and risk assessment methodologies.
• Proficiency in data analysis tools and software (e.g., Excel, SQL, Tableau).
• Excellent analytical and problem-solving skills.
• Strong communication and interpersonal skills, with the ability to convey complex information clearly.
• Detail-oriented with strong organizational skills and the ability to manage multiple tasks.

Preferred Qualifications:

• Experience with SME lending, Business loans etc.
• Familiarity with regulatory frameworks governing lending practices.
• Professional certifications (e.g., CFA, FRM) are a plus.