Associate - Unsecured Policy

This role is for fresh UAE National Graduates only.
Role purpose:
-
Assisting retail credit policy function and portfolio to ensure process is being managed well.
-
The job requires ensuring end-to-end oversight into the credit cycle from sourcing, credit approval to collections for maintaining a healthy portfolio.
Key Accountabilities of the role:

Responsibilities:

-
Ensure Post Approval Review is conducted as per approved process and there are no breaches on local and internal regulations.
-
Ensure Daily Disaster Report is reviewed and any breaches of local and internal regulations and highlighted.
-
Ensure adherence and effective updates and tracking of policy changes and tests for product performance assessment. Maintain a lot of all policy changes.
-
Ensure clear communication with all relevant units and documentation of all credit policy decisions.
-
Ensure that approved delegation and deviation matrix are in place.
-
Complete policy dept. RCSA in timely manner and ensure testing is performed for all policy functions in line with approved processes.
-
Analyze MIS to ensure quality of the portfolio with regards to risk and validate appropriateness of credit policies, as well as to monitor impact of changes in credit policies.
-
Ensure coordination with IT Team for developing policy parameters and logics for automation of different data reports.
-
Perform other duties or responsibilities that are assigned by the management.
-
Collection review for top delinquent accounts recently for recently booked applications and understanding drivers of delinquency
-
Portfolio review- have basic knowledge of Portfolio mix, Expat vs UAE, TML vs NTML, Salary transfer vs non-Salary transfer and basic understanding of performance metrices.
Specialist skills / technical knowledge required for this role:
-
Preferably some internships are not necessarily in Banking sector
-
Minimum of Bachelor’s degree
-
Communication skills and Finance academic background
Previous experience:
-
Fresh UAE Nationals Graduates