Senior Credit Risk Manager

💳 We're Hiring: Senior Credit Risk Manager📍 Location: United Arab Emirates (Remote)🕒 Employment Type: Full-Time💼 Experience Level: Senior🌐 Work Arrangement: Fully RemoteAbout UsHalvion is a growing international organization focused on financial excellence, risk management, operational efficiency, and sustainable business growth. Our teams collaborate across Risk, Finance, Credit, Compliance, Operations, and Commercial functions to strengthen financial performance and support responsible business decisions.The RoleWe are seeking an experienced Senior Credit Risk Manager to lead credit risk assessment, portfolio monitoring, risk policy development, and credit risk mitigation across the organization.This is a senior opportunity for a credit risk professional with strong analytical and leadership capabilities who can evaluate complex exposures, develop effective risk strategies, and provide clear recommendations to senior management.Key ResponsibilitiesLead the organization’s credit risk management framework and strategy.Develop and maintain credit risk policies, procedures, and approval standards.Assess the creditworthiness of customers, borrowers, counterparties, and business partners.Review financial statements, credit reports, cash flows, leverage, liquidity, and repayment capacity.Establish and monitor credit limits, exposure thresholds, and risk classifications.Conduct detailed credit assessments for new and existing exposures.Monitor credit portfolios and identify emerging risk trends.Develop early-warning indicators and escalation procedures for deteriorating exposures.Review overdue accounts, payment behavior, defaults, and potential losses.Recommend appropriate credit risk mitigation and recovery strategies.Conduct stress testing and scenario analysis across credit portfolios.Develop and maintain credit scoring, rating, and risk assessment methodologies.Monitor concentration risk across customers, industries, geographies, and counterparties.Collaborate with Finance, Sales, Commercial, Legal, and Compliance teams on credit decisions.Provide independent risk recommendations for high-value or complex credit proposals.Present credit risk assessments and recommendations to senior management and relevant committees.Establish credit risk KPIs, dashboards, and management reporting.Analyze portfolio performance, expected losses, provisions, and credit trends.Support development and validation of credit risk models where applicable.Ensure credit decisions are consistent with approved risk appetite and governance standards.Review exceptions and recommend appropriate controls or approval conditions.Monitor regulatory developments affecting credit risk and financial risk management.Maintain accurate credit documentation, approval records, and audit trails.Support internal and external audits related to credit risk activities.Identify opportunities to improve credit processes, controls, and risk reporting.Manage relationships with credit bureaus, financial institutions, external advisors, and other relevant stakeholders.Lead, coach, and develop credit risk professionals where applicable.Promote a strong risk-aware culture across the organization.Continuously improve credit risk frameworks in response to changing market and portfolio conditions.RequirementsBachelor’s degree in Finance, Accounting, Economics, Risk Management, Business Administration, or a related field.7+ years of progressive experience in credit risk, financial risk, banking, lending, corporate finance, or a related discipline.Proven experience managing credit risk portfolios and complex credit assessments.Strong knowledge of credit analysis, financial statement analysis, risk rating, and exposure management.Experience developing and implementing credit policies, limits, controls, and approval frameworks.Strong understanding of credit risk models, portfolio analytics, stress testing, and risk mitigation techniques.Excellent financial modeling and analytical capabilities.Strong knowledge of risk governance, regulatory requirements, and internal controls.Experience with credit risk management systems, ERP platforms, BI tools, or risk analytics solutions.Strong Excel and data-analysis skills; knowledge of SQL, Python, or statistical tools is an advantage.Excellent communication, presentation, negotiation, and stakeholder-management skills.Strong leadership, decision-making, and problem-solving capabilities.Ability to communicate complex credit risks clearly to senior executives.Experience in international or multi-market environments is an advantage.UAE or GCC financial-market experience is an advantage but not required.Professional qualifications such as CFA, FRM, PRM, CPA, ACCA, or equivalent are welcome but not mandatory.What We Offer🌍 Fully Remote Work Arrangement💳 Senior Credit Risk Leadership Position📈 Career Growth & Professional Development📊 Advanced Credit & Portfolio Risk Exposure🛡️ Strategic Risk Management & Governance Experience🤝 International & Collaborative Working Environment🕒 Flexible Working Environment🚀 Opportunity to Shape Credit Risk Strategy🌐 International Financial & Commercial Exposure