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.


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


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


Strong Proje…

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