Credit Underwriting Manager, Digital SME Lending

Credit Underwriting Manager, Digital SME Lending

• Job Location: Dubai, United Arab Emirates

• Company Name: CBD (Commercial Bank of Dubai)

• Average Salary: AED 10,000 – AED 20,000 per month (Based on UAE market data for mid-to-senior level credit risk roles in digital banking)

Job Purpose

We are seeking an experienced Credit Underwriting Manager to lead the underwriting function for small business credit cards and loans within our digital banking ecosystem. This role demands a blend of sharp credit judgment, hands-on technical expertise, and a deep understanding of digital lending workflows and system implementations.

Principal Accountabilities

Credit Underwriting & Risk Management

• Appraisals: Underwrite and approve small business credit cards and loan products, ensuring alignment with established credit policies and risk appetite.

• Optimization: Continuously enhance turnaround times (TAT), approval rates, and the overall customer journey through the use of automation and advanced analytics.

• Framework Development: Design, review, and refine underwriting frameworks, credit scorecards, and lending policies.

• Portfolio Monitoring: Oversee end-to-end digital credit journeys and monitor portfolio performance through early warning indicators and policy effectiveness reviews.

• Governance: Support all internal audits, regulatory reviews, and strict governance requirements.

System Implementation & Digital Capabilities

• System Leadership: Lead the enhancement and implementation of end-to-end digital lending systems specifically for SME products.

• Rule Configuration: Translate complex credit policies and requirements into functional system rules, scorecards, and automated decision engines.

• Cross-Functional Collaboration: Partner with Technology, Product, Data, and Operations teams to build scalable, “straight-through” processing (STP) journeys.

• Validation: Define and validate decisioning logic, exception handling, and manual review workflows; oversee UAT and pilot launches.

• Controls: Ensure all digital systems support regulatory and risk governance controls, including override management and reporting.

Requirements

Education and Experience

• Education: Bachelor’s degree in Finance, Economics, or a related field.

• Experience: A minimum of 10 years of experience in small business lending and credit underwriting.

• Domain Expertise: Proven track record in underwriting both secured and unsecured SME loans and business credit cards.

• Digital Proficiency: Strong understanding of digital lending platforms, workflow automation, and modern credit systems.

• Strategic Skills: Demonstrated experience in policy development, risk controls, and portfolio management within a fast-paced digital banking environment.

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