Credit Analyst – SME Finance Fintech

Credit Analyst – SME Finance About SMEDGE SMEDGE is a UAE-based fintech offering Shariah-Structured funding solutions for businesses across all industries. Our Merchant Finance, Business Finance, and Invoice Finance products help customers access fast, transparent working capital. Role Overview We're looking for a Credit Analyst to assess the creditworthiness of SME customers, structure funding recommendations, and support the credit approval process across SMEDGE's funding products. Key Responsibilities - Analyze financial statements, bank statements, and business cash flows to assess customer repayment capacity - Evaluate credit applications against SMEDGE's underwriting policy and risk appetite - Prepare credit assessment reports and recommendations for approval committee review - Calculate key financial ratios (DSCR, leverage, liquidity) and assess overall business risk - Verify KYC/AML documentation and flag inconsistencies or red flags - Structure funding proposals (Merchant Finance, Business Finance, Invoice Finance) in line with Shariah-Structured requirements - Monitor approved facilities for early warning signs and portfolio quality - Liaise with Relationship Officers to gather additional customer information as needed - Maintain accurate records of credit decisions, rationale, and supporting documentation - Stay current with UAE SME credit market trends and risk practices Requirements - 2–5 years of experience in credit analysis, SME underwriting, or business lending (banking/NBFC/fintech) - Strong financial statement analysis and ratio analysis skills - Working knowledge of AML/KYC and UAE lending/regulatory practices - Experience with Islamic/Shariah-compliant finance structures is a plus - Proficiency in Excel; familiarity with credit scoring or loan origination systems - Strong analytical, report-writing, and communication skills - Bachelor's degree in finance, accounting, economics, or related field - Professional certification (