Senior Trade Credit Insurance Specialist

Job Title: Senior Trade Credit Insurance Specialist

Location: UAE (Remote)

Employment Type: Full-Time

Work Arrangement: Fully Remote

Level: Senior

About Us

We are seeking an experienced Senior Trade Credit Insurance Specialist to manage and assess trade credit insurance risks, support underwriting decisions, and help businesses protect against losses arising from customer insolvency and payment defaults. This role involves analyzing buyer creditworthiness, evaluating commercial exposures, managing credit limits, and supporting the development of sustainable insurance portfolios.

The ideal candidate will have strong expertise in trade credit insurance, corporate credit analysis, financial risk assessment, and international trade. The successful applicant will work closely with underwriters, brokers, policyholders, credit analysts, and claims teams to deliver effective credit risk protection solutions.

Key Responsibilities

• Assess trade credit insurance applications by evaluating policyholders' business models, customer portfolios, sales exposures, and credit management practices.
• Analyze the financial strength, payment history, creditworthiness, and default risk of domestic and international buyers.
• Review financial statements, credit reports, industry developments, and economic indicators to support buyer risk assessments.
• Recommend appropriate credit limits, risk classifications, underwriting terms, and coverage conditions based on established underwriting guidelines.
• Monitor insured buyer exposures and identify early warning indicators of financial distress, insolvency, or deteriorating payment performance.
• Evaluate risks associated with domestic trade, international exports, concentration exposures, and cross-border commercial transactions.
• Support the underwriting and administration of whole-turnover, single-buyer, key-account, and other relevant trade credit insurance products.
• Review policy terms, exclusions, waiting periods, indemnity percentages, deductibles, and reporting obligations to ensure appropriate coverage structures.
• Collaborate with brokers, clients, credit analysts, and underwriting teams to clarify submissions and resolve complex credit risk issues.
• Assess potential claims arising from buyer insolvency, protracted default, and other insured non-payment events in coordination with claims specialists.
• Support recoveries and subrogation activities by providing relevant buyer credit information and commercial exposure analysis.
• Monitor portfolio performance, loss ratios, claims frequency, buyer concentration, and sector-specific credit trends.
• Conduct periodic portfolio reviews and recommend adjustments to credit limits, underwriting strategies, and risk mitigation measures.
• Maintain accurate underwriting documentation, credit assessments, approval records, and portfolio monitoring reports.
• Ensure compliance with internal underwriting authorities, sanctions screening procedures, regulatory requirements, and applicable insurance standards.
• Monitor changes in global trade conditions, insolvency trends, industry performance, and geopolitical developments that may affect buyer payment risk.
• Contribute to improvements in credit assessment methodologies, underwriting procedures, reporting systems, and portfolio risk controls.

Qualifications and Experience

• Bachelor's degree in Finance, Accounting, Economics, Banking, Risk Management, Business Administration, or a related discipline.
• Typically 7–10 years of relevant experience in trade credit insurance, credit risk analysis, commercial underwriting, corporate banking, or receivables risk management.
• Strong understanding of trade credit insurance products, underwriting principles, buyer credit limits, policy conditions, and claims procedures.
• Demonstrated experience analyzing corporate financial statements, liquidity, leverage, profitability, cash flow, and debt servicing capacity.
• Knowledge of commercial insolvency, protracted default, payment behavior, and buyer risk assessment methodologies.
• Familiarity with international trade finance, export credit risk, receivables management, and cross-border commercial transactions.
• Ability to evaluate credit reports, financial data, industry benchmarks, and external economic information to support underwriting decisions.
• Understanding of portfolio concentration risk, loss ratio analysis, credit limit monitoring, and risk mitigation strategies.
• Familiarity with relevant insurance regulations, sanctions compliance, and internal governance requirements.
• Proficiency in Microsoft Excel and credit analysis, underwriting, or risk management systems.
• Strong analytical, negotiation, communication, and decision-making skills.
• Ability to present credit risk findings clearly to technical and non-technical stakeholders.
• Relevant professional qualifications in credit management, insurance, banking, or risk management are advantageous.
• Ability to work independently in a remote environment and coordinate effectively with international teams.

Key Performance Indicators (KPIs)

• Credit Risk Assessment Accuracy: Quality and consistency of buyer creditworthiness assessments and underwriting recommendations.
• Portfolio Profitability: Contribution to sustainable underwriting results and effective management of insured credit exposures.
• Credit Limit Management: Appropriateness and timeliness of credit limit recommendations, reviews, and adjustments.
• Risk Monitoring Effectiveness: Early identification of deteriorating buyer financial conditions and potential payment defaults.
• Underwriting Turnaround Time: Timely processing of new business submissions, renewals, and credit limit requests.
• Claims and Loss Analysis: Effectiveness in monitoring claims patterns, default trends, and portfolio loss drivers.
• Portfolio Concentration Control: Effectiveness in identifying and managing exposures to major buyers, industries, and geographic markets.
• Documentation and Compliance: Accuracy of credit assessments, approval records, and adherence to internal controls.
• Broker and Client Service: Responsiveness and quality of technical support provided to brokers and policyholders.
• Process Improvement: Contribution to enhanced credit assessment methods, monitoring processes, and reporting efficiency.

What We Offer

• Competitive compensation aligned with experience, qualifications, and technical expertise.
• Fully remote working arrangement within the UAE-based employment framework.
• Opportunities to work with diverse corporate clients and international trade credit portfolios.
• Exposure to complex buyer credit assessments, export risk, and commercial insurance solutions.
• Collaboration with experienced underwriting, credit analysis, claims, and risk management professionals.
• Opportunities for professional development in trade credit insurance and financial risk management.
• A professional environment that values analytical accuracy, responsible underwriting, and long-term client relationships.

How to Apply

Interested candidates should submit an updated CV highlighting their experience in trade credit insurance, buyer credit analysis, commercial underwriting, credit limit management, and portfolio risk assessment.

Please include relevant professional qualifications, experience with domestic or international trade exposures, and examples of credit risk or underwriting projects where appropriate and permissible.

Email Subject Line: Application – Senior Trade Credit Insurance Specialist (UAE Remote)

• We welcome applications from experienced credit and insurance professionals who combine strong financial analysis skills with sound underwriting judgment, commercial awareness, and a commitment to effective credit risk management.