Overview
Provision Reporting Analyst Jobs in Dubai at Deem Finance
Title: Provision Reporting Analyst
Company: Deem Finance
Location: Dubai
Job Overview
Prepare, analyze, and interpret data to inform strategy by accessing portfolio data from credit data systems and producing portfolio insights to support business strategy through the Credit Life Cycle.
Develop and maintain advanced analytical models including IFRS9 Provisions, Loss Forecasting and Stress Testing.
Develop and enhance risk reporting and analysis to ensure that all key risks and opportunities of portfolio are adequately highlighted to senior management. Also derive ongoing insights from portfolio analysis to provide actionable insights from portfolio risk reports.
Mentor and supervise Portfolio Risk Analysts, as and when applicable.
Key Responsibilities
Risk Analysis
Will be responsible to optimize the extraction and creation of value in the Retail lending portfolio (Personal Loan, Credit Card, Auto Loans, Salary Advance, Business Loans, etc.) through the development and optimization of New Business and Account Management Credit strategies aligned to the Risk Appetite and business strategy through sound data analytics and reporting.
Enable Decision Making
Identify root causes/key drivers for alarming trends, risk pockets, portfolio quality and variances.
Act as back-up for Head/Deputy Head of Analytics in internal committees and business decision making.
Credit Analytics
The candidate is responsible for developing and maintaining advanced analytical models including all type of IFRS9 Provisions, Loss Forecasting and Stress Testing.
Key Performance Indicators
Analysis
Providing analytical support to ensure optimal portfolio management.
Helping shape and deliver the future decision-making infrastructure of credit.
Ongoing insights from portfolio analysis to provide actionable insights from portfolio risk reports.
Ability to Provide Solution
Pro-actively identify gaps & opportunities and drive solution that will have a positive portfolio effect.
Preparation of Analytical Models
Manage the construction & maintenance of analytical models that optimize the risk/reward relationship.
Decision Making
Support Head of Analytics and CRO with insightful analysis and recommend portfolio actions.
Drive projects to closure based on analytical insights and business decisions.
Role Key Dimensions
Complexity
Ability to understand the business needs & strategies
Preparing analysis of key quantitative & qualitative tasks influencing the credit capacity of customer
Ability to work under ambiguity to refine analysis based on data trends
Energetic self-starter
Problem Solving
Ability to explain topics of analytical complexity in business terms
The candidate will need to constantly challenge the status quo & facilitate constructive discussions that lead to continuous improvement in strategies, procedures and processes
Impact
High productivity, work ethic and result oriented mindset
Individual contribution
Communication
Ability to work within a matrix structure whilst holding responsibility for the outcome
Communicate these impacts and findings to the various stakeholders
Build and maintain good working relationships with key business stakeholders
Superior written, spoken and interpersonal skills.
Role Specifications
Education
Master’s degree in one of the following areas: Mathematics, Statistics, Economics, Engineering, Computer Science, Information Systems, or similar degrees
Experience
Minimum 5+ years’ experience in an analytical role preferably in the credit risk environment and port…
