Head of Credit and Analytics Al Futtaim Private Company (LLC)

The Head of Credit is responsible for leading the Company's end-to-end credit risk management, underwriting, and portfolio monitoring functions. The role ensures that all credit activities are conducted within the approved risk appetite, aligned with CBUAE regulations, internal governance policies, and the Group's risk management standards. The Head of Credit will oversee credit strategy and execution across various lending products while supporting the Hertz operating lease business through tailored credit structures and asset-risk assessment. Critical to this role is balancing risk and growth objectives, ensuring high-quality portfolio performance, regulatory compliance, and prudent decision-making that enables sustainable business expansion.

What You Will Do:

• Develop and maintain the Company’s Credit Risk Management Framework and Credit Policy in line with CBUAE Finance Companies Regulations, Corporate Governance Standards, and IFRS 9/ECL requirements.
• Define risk appetite, product-specific credit criteria, and approval authority limits; obtain Board and CBUAE approvals as required.
• Chair or participate in Credit Committee meetings and ensure sound underwriting decisions.
• Oversee consumer and corporate credit underwriting to ensure consistent application of risk standards across all products including personal loans, credit cards, auto finance, and SME lending.
• Monitor portfolio performance, delinquency trends, and concentration risks; recommend proactive risk mitigation actions.
• Ensure full compliance with CBUAE Finance Companies Regulations, Consumer Protection Standards, AML/CFT requirements, and related circulars or notices.
• Prepare and present periodic credit risk reports to the CEO, Board Risk Committee, and regulators.
• Liaise with CBUAE examiners during inspections and respond to regulatory queries.
• Establish end-to-end credit approval processes, including KYC/AML checks, documentation standards, and limit management.
• Ensure adequate segregation of duties between credit origination, underwriting, and collections/recovery.
• Build, lead, and mentor a high-performing Credit Department covering underwriting, credit risk analytics, and portfolio management.
• Drive continuous training on CBUAE regulations, risk assessment, and market best practices.