وظائف محلل اقتصادي - عجمان الإمارات

<section><p class="heading jdMain">Job Description</p><p class="heading">Roles &amp; Responsibilities</p><div class="paragraph"><p><strong>Research Analyst</strong><br><em>Job Description</em></p><p>Location: Ajman, UAE | Employment Type: Full-Time | Salary: AED 1,500 – 2,000 per month</p><p><strong>About the Role</strong></p><p>We are looking for a sharp, self-driven Research Analyst to support the CEO and Chief of Staff at Sahara Group. This is a ground-level role with direct exposure to leadership, requiring someone who can move fast, figure things out independently, and deliver clean output across research, outreach, and reporting. If you know how to use AI tools to punch above your weight and can close a conversation on the phone or over email, this role is for you.</p><p><strong>Key Responsibilities</strong></p><p><em>Research and Analysis</em></p><ul><li><p>Conduct general research on markets, companies, individuals, properties, and opportunities as directed by the CEO and CoS</p></li><li><p>Synthesise findings into clear, concise reports and briefing notes</p></li><li><p>Track sector developments, competitor activity, and market trends relevant to group interests</p></li><li><p>Build and maintain reference databases, trackers, and research libraries</p></li></ul><p><em>Reporting and Documentation</em></p><ul><li><p>Prepare weekly and ad hoc reports for internal leadership use</p></li><li><p>Structure and format outputs clearly, whether a one-pager, a summary deck, or a data table</p></li><li><p>Maintain organised records of research, correspondence, and task outputs</p></li><li><p>Support preparation of presentations and briefing materials as needed</p></li></ul><p><em>Outreach and Follow-ups</em></p><ul><li><p>Reach out to real estate agents, brokers, vendors, and external contacts on behalf of the group</p></li><li><p>Set up meetings, calls, and site visits; follow through until confirmed</p></li><li><p>Handle high-priority connects over phone and email with professionalism and persistence</p></li><li><p>Track all outreach activity and report pipeline status regularly to the CoS</p></li></ul><p><em>AI-Assisted Work</em></p><ul><li><p>Use Claude (AI) at an intermediate to advanced level (Level 3 to 5) to accelerate research, drafting, analysis, and task execution</p></li><li><p>Demonstrate ability to build and run simple AI-assisted workflows and prompts for repeatable tasks</p></li><li><p>Apply code agent capabilities where relevant: data extraction, formatting automation, bulk outreach drafts</p></li></ul><p><strong>What We Offer</strong></p><ul><li><p>Starting salary of AED 1,500 to AED 2,000 per month</p></li><li><p><em>Salary is subject to revision at the 6-month mark based on performance review</em></p></li><li><p>Direct working exposure to the CEO and Chief of Staff</p></li><li><p>Hands-on experience across real estate, investments, and group operations</p></li><li><p>Fast-paced, no-bureaucracy environment where output is what counts</p></li></ul></div></section><section><p class="heading">Desired Candidate Profile</p><p class="paragraph"></p><ul><li><p>Demonstrated ability to use Claude or equivalent AI tools at Level 3 to 5, including code agent functionality</p></li><li><p>Proven track record of closing high-priority outreach: meetings set, connections made, responses generated via phone or email</p></li><li><p>Street smart, resourceful, and able to operate with minimal hand-holding</p></li><li><p>Strong written and verbal English communication skills</p></li><li><p>Knowledge of UAE real estate market preferred</p></li><li><p>Proficient in MS Office and Google Workspace; comfortable with spreadsheets and structured data</p></li><li><p>Organised, deadline-oriented, and able to juggle multiple research tracks simultaneously</p></li><li><p>Based in or able to commute to Ajman</p></li></ul><p></p></section>

<ol><li><p>Conduct in-depth technical and fundamental analysis of <strong>Gold (XAU/USD)</strong> and major Forex markets.</p></li><li><p>Monitor gold price movements across multiple timeframes, including intraday, short-term, and medium-term trends.</p></li><li><p>Identify and analyze key <strong>support, resistance, supply and demand zones, market structure, liquidity levels, breakouts, and reversals</strong>.</p></li><li><p>Develop daily and intraday market outlooks based on technical indicators, price action, market structure, and fundamental factors.</p></li><li><p>Monitor major economic events and indicators, including <strong>Federal Reserve decisions, interest rates, CPI, PCE, NFP, unemployment data, GDP, inflation, and Treasury yields</strong>.</p></li><li><p>Analyze the relationship between <strong>Gold, the US Dollar (DXY), US Treasury yields, interest rates, and global economic conditions</strong>.</p></li><li><p>Monitor global financial news, geopolitical developments, central-bank announcements, and other events that may impact Gold and Forex markets.</p></li><li><p>Prepare clear, professional, and data-driven <strong>daily market reports and XAU/USD outlooks</strong> for management and relevant internal teams.</p></li><li><p>Provide timely updates when significant market movements, economic announcements, or technical developments occur.</p></li><li><p>Identify potential market scenarios, including bullish, bearish, and neutral scenarios, with clearly defined technical levels and market conditions.</p></li><li><p>Use professional charting and analytical platforms such as <strong>TradingView, MetaTrader 4/5, Bloomberg, and economic calendars</strong> where applicable.</p></li><li><p>Conduct historical market research to identify recurring patterns, trends, correlations, and market behaviors.</p></li><li><p>Maintain accurate records of market analysis, forecasts, reports, and significant market events.</p></li><li><p>Present complex financial-market information in a clear and understandable manner to management and relevant departments.</p></li><li><p>Support the development of internal market-analysis materials, presentations, reports, and financial-market research.</p></li><li><p>Continuously update knowledge of global financial markets, economic developments, trading methodologies, and analytical techniques.</p></li><li><p>Maintain a professional, objective, and data-driven approach when analyzing market conditions.</p></li><li><p>Clearly communicate market risks, volatility, uncertainty, and potential scenarios without making unrealistic or guaranteed profit claims.</p></li><li><p>Work closely with management and relevant departments to provide timely market insights and analytical support.</p></li><li><p>Ensure all market analysis is conducted using reliable data, structured methodologies, and appropriate risk-awareness principles</p></li></ol><p><strong>Desired Candidate Profile</strong></p><ol><li><p>2–5 years of proven professional experience in <strong>Gold, Forex, Commodity, or Financial Market Analysis</strong>.</p></li><li><p>Strong specialization and practical experience in <strong>Gold/XAUUSD analysis</strong>.</p></li><li><p>Excellent understanding of global financial markets and the key factors that influence Gold prices.</p></li><li><p>Strong knowledge of both <strong>technical and fundamental analysis</strong>.</p></li><li><p>Advanced understanding of <strong>price action, market structure, support and resistance, supply and demand, liquidity, trend analysis, breakouts, and reversals</strong>.</p></li><li><p>Strong understanding of the relationship between <strong>Gold, USD/DXY, US interest rates, Treasury yields, inflation, and global economic conditions</strong>.</p></li><li><p>Ability to analyze multiple timeframes and develop clear <strong>intraday, short-term, and medium-term market outlooks</strong>.</p></li><li><p>Strong ability to interpret economic data and understand the potential impact of major events such as <strong>FOMC decisions, CPI, PCE, NFP, GDP, unemployment data, and central-bank announcements</strong>.</p></li><li><p>Proven ability to prepare professional, structured, and data-driven <strong>XAU/USD market reports and analysis</strong>.</p></li><li><p>Strong analytical, numerical, research, and problem-solving skills.</p></li><li><p>High attention to detail and ability to identify important market patterns and developments.</p></li><li><p>Ability to work under pressure and make objective analytical assessments in a fast-moving market environment.</p></li><li><p>Strong knowledge of <strong>TradingView and MetaTrader 4/5</strong>; experience with Bloomberg or similar financial-market platforms is an advantage.</p></li><li><p>Ability to clearly explain complex market movements and financial concepts to management and internal teams.</p></li><li><p>Strong written and verbal <strong>English communication skills</strong>; Arabic is an advantage.</p></li><li><p>Bachelor's degree in <strong>Finance, Economics, Business, Mathematics, Statistics, or a related field</strong> is preferred.</p></li><li><p>Professional certifications such as <strong>CFA, CMT, or relevant financial-market certifications</strong> are an advantage.</p></li><li><p>Candidates with experience in <strong>brokerage firms, investment companies, financial institutions, trading companies, or financial research environments</strong> are preferred.</p></li><li><p>Must demonstrate a <strong>disciplined, objective, data-driven, and research-oriented approach</strong> to market analysis.</p></li><li><p>Candidates who can provide previous <strong>Gold/XAUUSD market reports, analysis samples, or complete a practical market-analysis assessment</strong> will be highly preferred.</p></li><li><p>UAE-based candidates are preferred and must be available to work <strong>on-site in Ajman</strong>.</p></li></ol>

<section><p class="heading jdMain">Job Description</p><p class="heading">Roles &amp; Responsibilities</p><div class="paragraph"><ol><li><p>Manage the complete personal loan lifecycle, from customer assessment to final loan disbursement.</p></li><li><p>Analyze loan applications and evaluate customers' financial profiles, repayment capacity, and eligibility in accordance with bank credit policies.</p></li><li><p>Calculate Debt Burden Ratio (DBR) and assess affordability and credit risk.</p></li><li><p>Review, verify, and validate all customer documentation to ensure accuracy, completeness, and compliance with banking requirements.</p></li><li><p>Identify missing documents, discrepancies, or potential risks before submission.</p></li><li><p>Prepare and submit financing applications while maintaining high approval quality and minimizing rejections.</p></li><li><p>Coordinate with credit, operations, underwriting, compliance, and approval departments to ensure efficient case progression.</p></li><li><p>Monitor loan applications through every stage and proactively follow up until final approval and disbursement.</p></li><li><p>Escalate delayed or exceptional cases through the appropriate banking channels to ensure timely resolution.</p></li><li><p>Maintain strong professional relationships with banks, branch managers, relationship managers, credit analysts, operations teams, and key decision-makers across multiple UAE banks.</p></li><li><p>Provide clients with professional guidance on personal loan products, eligibility criteria, documentation requirements, and financing solutions.</p></li><li><p>Ensure full compliance with UAE banking regulations, internal bank policies, and company procedures.</p></li><li><p>Maintain accurate records of customer files, communications, approvals, and supporting documentation.</p></li><li><p>Identify operational improvements to enhance efficiency, reduce processing time, and improve approval rates.</p></li><li><p>Work closely with the sales team to structure cases for maximum approval potential.</p></li><li><p>Resolve customer inquiries and provide regular updates throughout the financing process.</p></li><li><p>Maintain confidentiality of customer information and banking data at all times.</p></li><li><p>Meet individual and company performance targets, including case completion, turnaround time, approval ratio, and customer satisfaction.</p></li><li><p>Continuously stay updated on changes in UAE banking policies, lending criteria, and personal loan products across major banks.</p></li><li><p>Support the development and strengthening of strategic banking partnerships to improve service quality and processing efficiency.</p></li><li><p>Deliver exceptional customer service while maintaining professionalism, accuracy, and attention to detail throughout every stage of the financing process.</p></li></ol></div></section><section><p class="heading">Desired Candidate Profile</p><p class="paragraph"></p><p>We are looking for a highly experienced and performance-driven <strong>Senior Banking Specialist</strong> with strong expertise in <strong>personal loans within the UAE banking sector</strong>. The ideal candidate should be capable of managing the full financing cycle, from credit assessment to final disbursement, while maintaining strong relationships with banks and delivering high-quality, compliant case submissions.</p><p>Experience Requirements</p><ul><li><p>Minimum <strong>5 years of banking experience in the UAE</strong>.</p></li><li><p>Prior experience with <strong>leading UAE banks</strong> is mandatory.</p></li><li><p>Strong specialization in <strong>personal loans / consumer lending</strong>.</p></li><li><p>Proven track record in one or more of the following roles:</p><ul><li><p>Credit Analyst</p></li><li><p>Loan Processing Specialist</p></li><li><p>Banking Operations Officer</p></li><li><p>Relationship Manager (Personal Lending)</p></li><li><p>Business Development / Banking Partnerships</p></li></ul></li></ul><p>Technical Expertise</p><ul><li><p>Strong understanding of <strong>personal loan underwriting processes</strong>.</p></li><li><p>In-depth knowledge of <strong>credit assessment, DBR calculation, and risk evaluation</strong>.</p></li><li><p>Familiarity with <strong>UAE Central Bank regulations and lending guidelines</strong>.</p></li><li><p>Ability to review and structure loan applications to maximize approval rates.</p></li><li><p>Strong understanding of <strong>bank documentation requirements and compliance standards</strong>.</p></li><li><p>Experience working with multiple UAE banks and their internal systems.</p></li></ul><p>Skills &amp; Competencies</p><ul><li><p>Strong analytical and financial assessment skills.</p></li><li><p>Excellent communication and negotiation abilities.</p></li><li><p>High attention to detail and accuracy in documentation.</p></li><li><p>Ability to manage multiple cases under tight deadlines.</p></li><li><p>Strong follow-up and case management skills.</p></li><li><p>Professional relationship-building with banking stakeholders.</p></li><li><p>Ability to work under pressure and achieve performance targets.</p></li><li><p>Strong problem-solving and decision-making abilities.</p></li></ul><p>Professional Traits</p><ul><li><p>Highly disciplined, proactive, and results-oriented.</p></li><li><p>Strong sense of ownership and accountability.</p></li><li><p>Able to maintain confidentiality and handle sensitive financial data.</p></li><li><p>Customer-focused with a professional and advisory approach.</p></li><li><p>Strong network within UAE banking institutions is a strong advantage.</p></li></ul><p>Preferred Attributes</p><ul><li><p>Existing relationships with UAE bank credit or operations teams.</p></li><li><p>Experience handling high-volume personal loan portfolios.</p></li><li><p>Exposure to multiple banks and varied credit policies.</p></li><li><p>Ability to escalate and resolve complex banking cases efficiently.</p></li><li><p>Demonstrated success in improving approval rates and turnaround times.</p></li></ul><p>Ideal Mindset</p><p>The ideal candidate is not just an employee, but a <strong>banking specialist who understands the full lending ecosystem</strong>, builds strong institutional relationships, and consistently delivers high-quality, compliant, and approved financing solutions.</p><p></p></section>

<ul><li>Develop and execute data-driven digital marketing campaigns that increase brand awareness and drive customer engagement.</li><li>Utilize SEO best practices to optimize website content and improve organic search rankings through keyword research and on-page strategies.</li><li>Monitor and analyze performance metrics using tools like Google Analytics to refine strategies and enhance ROI.</li><li>Manage and grow social media presence across platforms by creating engaging content that resonates with target audiences.</li></ul><p><strong>Desired Candidate Profile</strong></p><ul><li>Bachelor's degree in Marketing, Business, or a related field is preferred to ensure a solid foundation in marketing principles.</li><li>A minimum of 2-4 years of hands-on experience in digital marketing, demonstrating a proven track record of successful campaigns.</li><li>Relevant certifications such as Google Ads, Google Analytics, or HubSpot Inbound Marketing to validate expertise.</li><li>Experience with various digital marketing tools and platforms, including SEO tools, social media management software, and email marketing services.</li></ul>