Policy Officer (UAE National Only)

Perform Portfolio Analytics to facilitate appropriate policy changes, while ensuring that the portfolio quality is maintained

Generate appropriate MIS for the outcome of portfolio & risk based segmentation on regular intervals to monitor portfolio growth and direction

Support in automation of credit policies and parameters across banking systems-Banksys, Vectus, CDA, Select, etc.

Automation would include preparing the complete test scripts for UAT, testing of the required development as and when required, review and recommend updates to ensure maximum automation which reduces manual intervention

Assist in the review of the existing systems available and highlight to the policy manger in case of any discrepancies between the existing policies and the approved policies

Active involvement with Collections and Recovery to develop procedures/ strategies to cure bad credits and incorporate insights into enhanced underwriting standards 

To analyze the MIS and assist in the monitoring of the various impact of policy actions

Assist Policy Manager in meetings with business in preparation and modification of policy depending n market requirements and portfolio performances

Assist Policy Manager in drafting policies/ guidelines for various Product programs-new product launches and introduction of new target segment through-policy changes/tests/surrogate programs/cross-sell programs to facilitate growth

Follow-up system change requests to meet changing business needs to improve risk management and liaise with respective unit managers, as required

To track the impact of policy actions taken and continuously fine-tune acquisition and maintenance strategies

Liaise with Retail Credit MIS to generate the data to design a comprehensive reporting pack

Work closely with the Collections & Credit Initiation Unit and recommend improvements for effective processing of the approved policy changes

Ensure all MIS reports to internal departments and external agencies are submitted within the stipulated deadlines

Graduate in business or related fields

Strong analytical skills

Knowledge of best practices in credit and underwriting

Strong knowledge of bank's operations, sales and support environments, superior customer focus

 About 2-3 years of experience in banking/financial services including expertise in credit analysis, large scale statistical analysis and leadership responsibilities