Credit Risk Manager – Leasing & In‑house Finance

About the role

The Credit Risk Manager will oversee credit risk for both leasing and in‑house finance within Al Futtaim’s automotive divisions. The role involves analysing credit portfolios, developing risk frameworks and supporting underwriting decisions while ensuring compliance with group policies.

Key responsibilities

• Conduct credit risk assessments for leasing and in‑house finance products and develop risk policy guidelines.
• Perform detailed analytics on underwritten portfolios, collections data and create risk reporting dashboards.
• Underwrite lease and credit applications for individuals and corporates, reviewing bank statements and financial information.
• Submit risk newsletters, council decks and credit committee materials, and support technology infrastructure improvements.

Required profile

• Bachelor’s degree in Finance, Accounting or a related field.
• Minimum 5 years of experience in credit risk management, preferably within automotive finance.
• Strong analytical abilities to perform detailed risk assessments and support policy development.
• Familiarity with regulatory and technical matters affecting automotive financing.

Required skills

• Proficiency in credit risk analysis and underwriting processes.
• Ability to develop and implement credit risk frameworks and policies.
• Strong communication and reporting skills, including dashboard creation.
• Experience using risk management software and IT systems.