Credit Analyst – Personal Finance (Emirati Talent)

Dubai Islamic Bank is seeking a Credit Analyst for its personal finance portfolio. The role reviews customer applications and supporting information, applies the bank’s credit policies, and helps deliver timely, consistent decisions while balancing service levels with sound risk controls. It also supports accurate case records and daily productivity reporting.

Key Responsibilities

• Review new, repeat and after-sales personal finance cases using the customer profile and the information supplied with each application.
• Assess affordability, financial details and supporting documents against the bank’s policies, procedures and applicable approval parameters.
• Highlight unusual or suspicious activity, missing information, inconsistencies and potential risks for appropriate review.
• Apply delegated approval authority correctly and escalate cases that fall outside approved limits or require additional clarification.
• Meet assigned productivity targets and service-level agreements while keeping turnaround times within the expected standards.
• Ensure cases requiring Contact Point Verification are referred in line with the applicable verification policy.
• Update daily management information and productivity records accurately, including work completed and cases pending.
• Follow standard operating procedures and help orient new colleagues when required, sharing practical guidance on case handling.

Requirements and Skills

• Around 2–3 years of experience in financial services.
• A graduate qualification is preferred, particularly in Accounting, Financial Services, Statistics, Computer Science or Business Administration.
• Careful analytical judgement, sound document review and a methodical approach to credit assessment.
• Ability to manage workload peaks while preserving accuracy, confidentiality and consistent service quality.

Professional Expectations

The role requires sound judgement, dependable follow-through and clear communication with the relevant team. Candidates should be prepared to keep records accurate, protect confidential information and follow the employer’s documented policies and applicable local requirements.

Employment Details

• Company: Dubai Islamic Bank (DIB)
• Location: Dubai, United Arab Emirates
• Employment Type: Full Time