Overview
Manager, Retail Analytics Jobs in Dubai at Emirates Islamic
Title: Manager, Retail Analytics
Company: Emirates Islamic
Location: Dubai
Unit Purpose:
Credit risk is assessed through a variety of Tools & MIS. The Unit is responsible to develop the tools and produce the reports that effectively assess Credit Risk both in the approval stage but also post approval as on-going Credit Portfolio Monitoring.
The Unit supports Higher Management with periodic and ad-hoc MIS related to Credit Risk.
The Unit supports Credit Policy Managers to evaluate their respective Credit Portfolios and assess impact of proposed Policy amendments.
Job Purpose:
To monitor the Retail Credit portfolios. To develop credit risk assessment tools (scorecards). To perform data mining in detailed Retail Credit Information. To deliver Retail Analytics projects for all retail products. To provide product performance reporting and credit risk analytics including performance based on demographic and financial attributes. To track the accounts’ origination and behavior.
Job Responsibilities:
Identify areas of increased credit risk and advice credit policy/fraud/collection to take appropriate actions.
Analyze MIS to ensure quality of the portfolio with regards to risk.
Ensure adequate and consistent monitoring and review of product portfolio quality.
Provide necessary reporting on the Retail Credit Policy Initiatives / product performance and provisioning.
Providing data, information, and insights to various other risk teams to complete work on Consumer lending credit risk management report
Produce Retail Analytics Pack to various senior management committee
Deliver high quality risk management reports to aid senior management in understanding risk trends and aiding in strategic decision making for the business
Design and develop robust Loss forecasting framework for yearly planning and closely monitor the actuals with forecast.
Establish risk-based pricing to achieve desired risk-reward results
Produce Retail Analytics Pack & Forecast delinquency, net flows and losses.
Cater to ad hoc Analysis request for various policy cuts.
Develop and monitor implementation & performance of Application & Behavioral Scorecards
Establish Risk Based Pricing to achieve desired risk-reward results.
Liaise with IT for all system enhancement projects (related to streamlining and automation of the credit management processes)
Provide specification requirements for risk-related system functionalities.
Ensuring all the units’ data requirement are met through coordinating with IT/Technical team
Manage the reporting of provisions to finance and various other stakeholders
Actively participate in ECL model development, provided necessary data/inputs required to group model development and validation team
Identify gaps/areas of enhancing the existing models
Develop various collection models/segmentation for effective collection strategy and Ensuring scoring/segmentation every month.
Support collection strategy in collection initiatives to control performance, delinquency rates, and credit losses.
Qualifications:
Graduate of Mathematics, Computing, Engineering, Economics, Statistics, Business or equivalent
Post-Graduate in above areas
5-7 years of experience in banking / financial services analytics
2+ years of experience with Scorecards/Rating tools
Knowledge of BI Tool
Technical
Model/Scorecard Development, Validation and Monitoring
Statistical Software – SAS
Computer Programming – SQL, R/Python
BI Toll – Power BI, Tableau
Regulatory – IFRS 9 / BASEL II/III Fluency
Excellent communication Skills
Managerial
Strong Proje…
