Job Overview: Senior Finance Manager (Credit Risk & ROI Optimizer)

1st-jobs.com , representing a high-growth fintech disruptor in the UAE, is seeking a high-caliber Senior Finance Manager . In this strategic financial role, you act as the “Risk Architect,” responsible for the “Credit DNA” and capital integrity of a cutting-edge Rent Now Pay Later (RNPL) portfolio. This position is designed for a “Financial Risk Specialist” who can navigate the complexities of loan underwriting, default mitigation, and yield optimization with “Algorithmic Accuracy.” Reporting to the CFO, you will be the primary engine of the firm’s credit governance, ensuring that the RNPL lending ecosystem scales with the “Pristine Stability” required by Dubai’s rapidly evolving fintech sector.

Key Information

Employer: 1st-jobs.com (on behalf of a leading RNPL Fintech)
Location: Dubai, United Arab Emirates
Experience: 5+ years in loan approval, financial risk, or credit management.
Core Focus: Credit Risk Assessment, Collections Strategy, and ROI Optimization.
Compensation: Competitive Salary + High-Performance Commission Structure.

Key Responsibilities

You will manage the “Credit Lifecycle” through a rigorous analytical and fiduciary framework:

Risk Orchestration: Overseeing the credit assessment framework for RNPL portfolios to ensure “Lending DNA” aligns with institutional risk appetites.
Collections Intelligence: Enhancing collections efficiency through data-driven strategies to minimize delinquency and protect “Capital Integrity.”
Portfolio Governance: Monitoring real-time portfolio performance, identifying early-warning signals, and implementing “Strategic Fixes” to maintain high ROI.
Credit Underwriting: Leading the loan approval process for high-value segments, utilizing advanced financial analysis to verify borrower solvency.
Financial Stewardship: Maintaining meticulous financial records and reporting on risk-weighted assets to the executive leadership team.
Process Transformation: Continuously improving credit scoring models and automated approval workflows to support rapid, safe business scaling.

Candidate Requirements

The firm seeks a “Financial Authority” with a focus on risk-management grit:

Professional IQ: Minimum of 5 years of documented success in credit risk, loan underwriting, or structured finance roles.
Analytical Mastery: Exceptional financial modeling skills and the ability to interpret complex datasets to drive “Informed Decision-making.”
Fintech Grit: A deep understanding of digital lending, particularly Rent Now Pay Later (RNPL) or BNPL models, is highly desirable.
Leadership Polish: Strong interpersonal skills to manage internal credit teams and interface with institutional stakeholders with “Professional Grit.”
Regulatory Mastery: Knowledge of UAE financial regulations and AML/KYC standards to ensure total “Compliance DNA.”

Salary and Benefits

This role offers a prestigious “Fintech Leader” rewards package in a tax-free environment:

Financial Integrity: A competitive tax-free salary paired with a unique commission structure tied to portfolio performance and risk mitigation.
Strategic Autonomy: The power to shape the risk culture of a transformative financial platform in the Middle East’s leading tech hub.
Professional Evolution: Direct career advancement opportunities into Director of Risk or CFO roles within a high-growth scale-up.
Health & Security: Comprehensive medical insurance, visa sponsorship, and annual flight tickets as per UAE Labor Law.

Estimated Average Salaries (2026 Benchmarks)

For Senior Finance Managers specializing in Fintech/Credit Risk in Dubai:

Component	Estimated Monthly Range (AED)
Base Salary	AED 35,000 – AED 55,000
Performance Bonus	15% – 30% of Annual Base
Total Package	AED 45,000 – AED 70,000+ (Inclusive)

Unique Job Description

Position: Senior Finance Manager — Architecting the DNA of Fintech Resilience

Are you a “Risk Specialist” who believes that the success of a disruptive lending platform is built on the precision of its credit models and the soul of its ROI optimization? A leading Dubai RNPL Fintech is seeking a Senior Finance Manager to join our elite leadership team. We don’t just “approve loans”; We engineer the Financial Frameworks and Credit DNA that allow tenants and landlords to flourish in the world’s most dynamic real estate market. This isn’t a role for a “traditional accountant”; it’s a mission for a “Risk Architect” —someone who can navigate the complexities of fintech portfolios and collections efficiency with “professional grit” and provide the polished leadership that a high-stakes financial innovator demands.

In this position, you are the pilot of our capital mission. You will spend your days (in the heart of Dubai’s tech-driven financial districts) architecting the risk models, collection strategies, and ROI forecasts that define our reputation for excellence. Whether you are using your analytical mastery to optimize a credit scoring algorithm or utilizing your strategic skills to manage a multi-million-dirham portfolio, your “proactive mindset” and “excellence-first” attitude will be our greatest assets. You thrive in a high-velocity environment where you are trusted to drive safe growth, challenged by evolving market risks, and rewarded with a lucrative, tax-free career at the “Heart of the Fintech Revolution.”

We are looking for proactive financial leaders with a passion for risk excellence and an “impact-first” mindset. If you have the “resourcefulness” to lead our credit operations towards global prominence and the “discipline” to uphold our gold standards, this is your premier platform to reach your potential. Join us in Dubai, and let’s engineer a more extraordinary and connected future for the world of fintech together.

1st-jobs.com (First Jobs) | Dubai

The Company

1st-jobs.com is a specialized digital recruitment portal and HR technology platform based in Dubai. Established to streamline the connection between high-caliber talent and leading employers across the Middle East, the platform has evolved into a comprehensive “Career Hub.” By 2026, it distinguishes itself through AI-driven matching algorithms and a vast database covering key sectors such as Construction, Oil & Gas, Healthcare, and Hospitality. The company operates as a dual-sided marketplace: providing a sophisticated “Job Seeker” dashboard and a “Recruiter Suite” for high-volume talent acquisition.

Culture

The culture at 1st-jobs.com is defined by “Digital Agility, Human-Centricity, and Data-Driven Results.” It is a modern, tech-forward environment that values efficiency.

The “Smart Match” Philosophy: The internal culture prioritizes “Precision over Volume.” Staff are encouraged to use data analytics to ensure that every “Semantic DNA” match between a candidate and a company is long-term and sustainable.
Entrepreneurial Speed: Operating in the heart of Dubai’s fast-paced economy, the team is known for its “Rapid Response” model—fostering an environment that rewards proactivity and the ability to navigate shifting market trends.
Empowerment & Advocacy: The company maintains a “Candidate First” culture, frequently offering career counseling, CV optimization workshops, and market insight webinars to help job seekers stand out in the 2026 competitive landscape.
Collaborative Transparency: Reviews suggest a high-trust environment where account managers and tech developers work closely together to refine the user experience (UX) based on real-time feedback from the Gulf labor market.

Location

1st-jobs.com is strategically headquartered in Dubai’s primary business and commercial districts, facilitating close proximity to its corporate clients.

Al Garhoud Operations: The firm maintains its central administrative and sales hub in Al Garhoud , a historic business district near Dubai International Airport. This location is ideal for coordinating with major aviation, logistics, and hospitality partners.
Digital-First Hub: While the physical office handles corporate partnerships, by 2026, the company utilizes a “Cloud-Native” Infrastructure , allowing its team of consultants to operate with hybrid flexibility across the UAE and the wider GCC.
Regional Connectivity: Its location in Dubai acts as a gateway, allowing the firm to manage a high volume of recruitment tasks for the Abu Dhabi and Sharjah markets, as well as its growing expansion into Saudi Arabia (KSA) .

1st-jobs.com: 2026 Recruitment & Industry Matrix

Sector Specialization	Key Role Categories	Strategic Tooling
Construction & Engineering	Project Managers, MEP Engineers.	Skills-based automated filtering.
Oil & Gas	HSE Officers, Drilling Technicians.	Industry-specific certification tracking.
Healthcare	Registered Nurses, Lab Technicians.	DHA/MOH license verification support.
Corporate & Sales	HR Business Partners, Account Leads.	Behavioral & Psychometric matching.

2026 Professional DNA & Standards

The “Quality Lead” Standard: 1st-jobs.com seeks candidates who hold verified professional credentials and have a proven track record of “Regional Resilience”—the ability to thrive in the GCC’s unique multi-cultural work environment.
Advanced Recruiter Suite: For employers, the platform provides a “Total Talent Dashboard” that includes video interview capabilities, real-time salary benchmarking, and Emiratisation (Nafis) tracking tools.
Verified Listings: In 2026, the platform is recognized for its “Trust Shield,” using AI to filter out fraudulent postings and ensure all vacancies are 100% active and legitimate.
Career Growth Integration: Beyond job listings, the platform integrates with E-Learning providers , suggesting specific certifications to candidates based on the “Skill Gaps” identified by its matching engine.

To apply for this job please visit 1st-jobs.com.