Credit Analyst

JOB OVERVIEWThe Credit Analyst is responsible for the assessment of individual and corporate lease applications, determining the applicant's affordability, creditworthiness and overall risk profile before a vehicle is committed. The role reviews and validates applicant documentation, analyzes income, obligations and credit history, applies the company credit policy and lending criteria, and produces a clear, evidence-based recommendation to the approving authority. Beyond origination, the role monitors portfolio quality and contributes to the ongoing refinement of credit policy, scoring criteria and fraud controls as G Prime Leasing builds its book.KEY DUTIES & RESPONSIBILITIESApplication Assessment & UnderwritingReview individual and corporate lease applications for completeness, accuracy and eligibility against the company credit policy and product criteria.Validate applicant documentation including identification, residency and visa status, salary certificates, employment confirmation, bank statements, trade licenses, and audited or management financial statements for corporate applicants.Obtain and interpret credit bureau reports, assessing repayment history, existing facilities, defaults, bounced payments and enquiry patterns.Verify employer, income and contact details independently where required, and identify inconsistencies between declared and documented information.Affordability & Risk AnalysisCalculate disposable income, debt burden and affordability headroom, taking into account existing obligations, dependants, housing costs and the proposed lease rental.Assess the stability and sustainability of income, including employer standing, sector risk, length of service and contract or commission based earnings.For corporate and fleet applicants, analyze liquidity, leverage, profitability and cash flow, assess group and related party exposure, and evaluate the strength of any guarantee offered.Assess the asset and structure risk of each proposal, including vehicle type, tenor, mileage assumptions, down payment, residual value exposure and security arrangements.Fraud Prevention, KYC & ComplianceComplete customer due diligence and know your customer checks, including identity verification, beneficial ownership for corporate applicants, and sanctions and adverse media screening.Identify indicators of application fraud, document forgery, income inflation and identity misuse, and escalate suspicious cases through the correct channel without alerting the applicant.Ensure that all applications are processed in line with company policy, applicable UAE anti-money laundering requirements, and data protection and confidentiality obligations.Verify that insurance, registration and contractual requirements are satisfied as a condition of activation.Credit Decisioning & RecommendationPrepare clear, well-reasoned credit assessment notes setting out the applicant profile, key risks, mitigants and a recommended decision.Approve or decline within delegated authority, and present borderline and higher value cases to the credit committee or approving authority with a supported recommendation.Recommend risk-based structuring where appropriate, including revised tenor, increased down payment, additional security, guarantees or pricing adjustments.Communicate decisions and conditions promptly to the sales team, and explain declines constructively so that expectations with the customer are managed professionally.Portfolio Monitoring & Collections SupportMonitor portfolio performance including arrears, delinquency trends, early payment default and concentration by employer, sector, nationality band and vehicle segment.Conduct periodic reviews of corporate and fleet exposures and flag deterioration in customer standing or repayment behavior.Support the collections and recovery process with account analysis, restructuring assessments and repossession recommendations where required.Track the performance of accounts against the original assessment to test the accuracy of underwriting judgement.Policy, Reporting & Continuous ImprovementMaintain accurate and auditable credit files and system records for every application assessed, whether approved or declined.Produce regular reporting on application volumes, approval and decline rates, turnaround times, and portfolio quality indicators.Contribute to the development and refinement of credit policy, scoring criteria, delegated authority levels and fraud controls based on observed portfolio behavior.Balance risk control with commercial delivery, working closely with sales to convert acceptable business efficiently without compromising credit standards.Uphold company values throughout business practices and utilize sound judgment in decision making.Any other additional duties as may be required by management based on needs of the business.POSITION REQUIREMENTSEducational QualificationsBachelor's degree in Finance, Accounting, Economics, Banking, or a related field.A professional credit, risk, or accounting qualification is an advantage.Work Experience3 to 5 years of experience in credit analysis or underwriting within vehicle leasing, auto finance, banking, or a non-banking financial institution.UAE market experience is essential, including practical use of credit bureau data and familiarity with local employment, visa and income documentation.Exposure to both retail and corporate or fleet lending is highly preferred.Skills & Personal AttributesStrong analytical ability, with sound judgement in assessing affordability, income stability and repayment capacity.Competence in financial statement analysis and in interpreting bank statements and credit bureau reports.Working knowledge of UAE credit, know your customer and anti-money laundering requirements.Alert to fraud indicators and confident in escalating concerns objectively and discreetly.Advanced MS Excel skills and comfort working with credit and loan management systems.Clear written communication, able to articulate a credit rationale concisely for an approving authority.Commercially aware and able to work constructively with sales while holding firm on credit standards.High integrity, objectivity and discretion when handling confidential customer financial information.Fluency in English; Arabic is an advantage.