Credit Manager

Role Overview

Credit Manager at DP World, located in DIFC. The role supports DP World's mission to be a global trade enabler by delivering Trade Finance products to Corporates (Importers/Exporters) to ease their working capital crunch.

Company Overview

DP World aims to help companies by making financing options available at competitive terms through its Trade Finance division (DPWFS). The Credit Manager reports into the Director of Credit, who reports into the SEO of the business.

Role Purpose

Conduct credit due diligence, underwriting, approval, monitoring and recoveries for Corporates interested in Trade Finance with DPWFS. Manage a portfolio of large complex accounts while adhering to credit policy and processes, ensure no surprises and resulting credit losses in the allocated portfolio, and provide guidance to other team members.

Key Responsibilities

Credit Due Diligence & Underwriting

• Conduct credit due diligence on Trade Finance borrowers for management, financial, industry and business risk.
• Identify credit and operational risks for a broad range of trade-related transactions, including receivables & payables financing, import/export financing, invoice discounting/factoring, commodity trade financing, inventory financing, buy-sell transactions and risk participation (funded & unfunded).
• Understand and analyze financial statements, early warning indicators and collections patterns.
• Review term sheets and vet loan-related documentation with borrowers.

Risk Management & Compliance

• Ensure compliance with DP World's internal policies, processes and procedures.
• Pro-actively manage portfolio risk exposure, collections, remediation and recoveries.
• Identify key risks and drive alignment on risk mitigation actions.
• Detect, assess and mitigate credit risk across the portfolio.

Stakeholder & External Management

• Interact with external service providers including risk consultants, recovery agents, insurance companies and brokers.
• Assist relevant transactions/cases to ensure credit risk support and innovative solutions are provided in line with company policies and regulatory requirements.

Qualifications & Experience

• Bachelor's or Post Graduate degree from a University of repute.
• 12+ years of credit risk experience in Financial Institutions, Banks or Non-Banking Financial Companies (NBFC).
• Experience in lending to Large Corporates.
• Sound knowledge of trade finance credit risk management and superior market intelligence.
• Experience with cross-border transactions and corresponding risk implications.

Skills & Competencies

• Ability to detect, assess and mitigate credit risk.
• Excellent English written and verbal communication skills.
• Strong analytical, problem-solving and organization skills.
• Keen attention to detail, adaptability and pragmatism.
• Ability to manage an active caseload and prioritize effectively.
• Self-driven and results-oriented with a proven track record in credit and risk matters.
• Ability to work under pressure, handle high volumes of work and lead with agility in a fast-growing trade finance business environment.