Assistant Manager – Credit Policy

• Provide analytical inputs for managing the Product Program for UAE (all emirates), IBG, and other geographies as operations expand
• Perform portfolio analytics to identify risk and growth areas and facilitate policy changes
• Analyze product tests to explore growth segments and conduct portfolio stress tests and risk-based segmentation
• Monitor portfolio growth and direction and generate MIS for outcomes
• Support automation of credit policies and lending parameters
• Prepare complete UAT test scripts, test required development, and review and recommend updates to maximize automation and reduce manual intervention
• Review existing systems and highlight discrepancies between existing and approved policies
• Support the Policy Manager and collaborate with Collections and Recovery to develop procedures and strategies for curing bad credits and enhancing underwriting standards
• Monitor portfolio quality by analyzing available data
• Develop implementable solutions for asset quality issues in acquisition and existing retail asset portfolios
• Assist with policy preparation and modification based on market requirements and portfolio performance
• Draft policies and guidelines for product programs, new launches, and target segments
• Track system change requests, liaise with relevant units, and improve risk management
• Ensure policy implementation is completed within approved timelines and highlight exceptions for approval
• Liaise with the Retail Risk team to ensure data availability for comprehensive reporting
• Collaborate with Collections and the Credit Initiation Unit to improve policy implementation
• Submit MIS reports to internal departments and external agencies within stipulated deadlines

• Hands on experience in SAS, Hadoop, Hive
• Graduate degree in finance, engineering, business or related fields
• Strong analytical skills
• Proficiency in best practices in credit and underwriting
• In-depth knowledge of banking operations, sales, and customer-focused environments
• 3–5 years of experience in banking/financial services, including credit analysis, statistical analysis, and leadership roles