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Job Description
- Perform analysis on quality of portfolio, monitor, and assess active accounts to reduce or prevent bad debt losses.
- Identify early warning signals and emerging risks, and propose actions to effectively control risk within company policy and regulations.
- Analyze the unsecured lending portfolio and continually optimize risk strategy for fraud, and collection.
- Oversight of policy and governance framework, practices and standards to ensure effective risk management and foster the company’s potential to meet its sales
- To monitor and evaluate performance indicators of the portfolio and study the trends for business growth, product acceptance, product cycle stage, and risk levels.
- To review the credit portfolio and propose appropriate corrective measures are initiated so as to ensure that overall business plan objectives are met and advise management through timely reports.
- To evaluate the credit process flow to identify opportunities for improvement and coordinate the implementation of the corrective tools.
- To monitor and review loan officer productivity levels and advise Commercial and Operations for appropriate action.
- To supervise the accomplishment of the risk exposure and authorization limits and generate periodic reports on results.
- To provide advice about the credit processes as required, verifying that the approved policies and norms are applied.
- To improve the effectiveness of the collections and recovery processes through proper segmentation and transactional analysis tools.
- Conduct monthly risk incentive calculation and take the necessary approval before execution.
Job Requirements
- Bachelor of Business Administration, commerce, economics Prior
- 1-3 years of experience in lending operations or Bank.
- Fluency in both spoken & written English & Arabic language is required.
- Background in financial analysis with statistics is preferable.
- Proficiency in Microsoft office
- Analytical Thinking Skills
- Results Driven (results based on specific efficiency and productivity KPIs within predefined time frames) Advanced statistical skills, Credit Risk Modeling/Analysis, Data Mining, Financial knowledge.
- Knowledge of Portfolio Risk / Management within financial business. Clear understanding of portfolio risks related to delinquency trends.
- Knowledge of market and operational risks.
- Background in financial analyses and legal and regulatory framework
- Developing and Supporting the Team (Actively improves others’ skills, cooperate effectively, diplomatic conflict handler).
- Integrity (Mutual trust, consistent with company ethics and values)
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