Manager – Retail Credit Policy Jobs in Al Ain – UAE at Finance House

Title: Manager – Retail Credit Policy

Company: Finance House

Location: Al Ain – UAE

Type: Full Time

Category: Finance, Management

Manager – Retail Credit Policy provides a direct contribution to the profitability of the Retail finance business by designing and implementing appropriate Retail Credit Policies along with the robust process is across the customer lifecycle (prospecting, acquisition, maintenance). Manager – Retail Credit Policy continually monitors portfolio performance and is responsible to analyze and diagnose potential developing threats to portfolio quality and accordingly react to mitigate them.

Key Role


Develop comprehensive product program manuals for all Retail Credit Products offered by the Organisation. The product programs must be all-encompassing and address the full set of consideration around the prospecting of customers, the underwriting of new credit applications and the maintenance of already approved credit facilities. Constantly monitor the Market through continuous Competition Scan to understand developments in the relevant market segment.

Be informed of Macro developments in the Market and propose countermeasures that will mitigate the potential impact of Macro factors to the quality of the existing or the to-be-acquired portfolio. Identify opportunities in the target or new market segments and propose credit policies to take advantage and capitalize on these opportunities. Monitor Credit Portfolio performance. Identify areas of concern, analyze/diagnose reasons creating them and propose mitigating actions through revamped policies and/or processes.

Design and launch Test Programs to experiment with a new segment/approach in a control fashion with ring-fenced downside risks. Maintain a Test Program Tracker to monitor the performance of the Test Programs. Position Objective:
Manager – Retail Credit Policy provides a direct contribution to the profitability of the Retai…View More

About Us

Finance House was established as one of UAE’s first “independent” finance companies. We commenced operations in July 2004, and our principal activities consist of investments, consumer and commercial financing. These business lines constitute the engines of the company’s continued growth.

Our Company

Finance House P.J.S.C is a Public Joint Stock Company incorporated in the Emirate of Abu Dhabi, United Arab Emirates. The company was established on March 13th, 2004 and commenced its operations on July 18th, 2004. The company performs its activities across its head office in Abu Dhabi and its, Dubai, and Sharjah branches. The principal activities of the Company consist of consumer and commercial finance, as well as proprietary investing, all of which constitute the engines of the company’s continued growth and profitability.

Since inception, Finance House has made significant advancements to become a credible player in the marketplace. It has built a strong awareness for its brand over the years and is well recognized as a niche player that provides innovative and value-adding solutions to its customers.

Finance House is listed on the Abu Dhabi Securities Exchange under the ticker symbol FH.
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About Finance House