Emirates Development Bank (EDB)
Ayat Younes is a Credit Risk Manager at Emirates Development Bank since June 2022, with extensive experience in credit risk assessment and management. Previously, Ayat served as a Senior Officer at the Abu Dhabi Fund for Development, and held multiple roles at Al Khaliji France, including Acting Head of Risk and Credit Risk Manager. Earlier career experience includes positions at Emirates NBD as a Senior Credit Analyst and Arab Bank as a Follow-Up Administrator, as well as starting as a Credit Administration Assistant at Al Masraf. Ayat holds a Bachelor of Science in Mathematics from United Arab Emirates University, completed in 2002.
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Emirates Development Bank (EDB)
Emirates Development Bank (EDB) is the UAE’s development bank, a key financial engine for the economic development and industrial advancement of the nation. Our mission is to foster a healthy, sustainable, and self-reliant economy through the provision of financing solutions to SMEs and corporates domiciled in the UAE and engaged in any of our five strategic priority sectors. These include advanced technology, food security, healthcare, manufacturing and renewables. Given its developmental mandate, the Bank is not-for-profit, offering patient capital and favourable financing terms to our clients. EDB provides direct financing solutions to all clients and also indirect financing solutions to SMEs through guarantees to our commercial banking partners. We go one step further by fostering the UAE entrepreneurship ecosystem with our unique digital banking product suite tailored to start-ups and also non-financial education and mentoring programmes aimed at advancing creditworthiness and financial literacy. As the UAE’s development bank, EDB seeks to attract and retain the best talent through a supportive culture and continuous professional development opportunities. The Bank’s employees are united by the shared commitment to develop the UAE economy, a goal which is embedded in every aspect of their work and fills them with a sense of pride. Emirates Development Bank’s vision is to be a key financial engine dedicated to the economic development and industrial advancement of the UAE.