Assistant Manager - Credit Policy & MIS

Responsibilities

• Monitor unsecured lending portfolio performance across acquisition, delinquency, loss and profitability
• Develop MOB and vintage curves to assess portfolio behavior and emerging risk trends
• Evaluate delinquency, roll rates, NPA formation, write-offs, recoveries and cost of risk
• Perform portfolio segmentation and deep-dive analyses across customer, channel and score band
• Monitor scorecards using bad rates, Gini, KS, PSI and calibration
• Design champion-challenger and test-and-control strategies to optimize approvals
• Build forecasts, scenario analyses, stress tests and early-warning indicators
• Develop dashboards and management reports for senior leadership
• Partner with Data Science, Model Risk and Technology teams on model validation and monitoring

Requirements

• Bachelor's degree in Statistics, Mathematics, Economics, Finance, Engineering, Data Science or related quantitative field
• 3-7 years in retail credit risk analytics or portfolio analytics
• Strong experience with Personal Loans and Credit Cards portfolios
• Advanced SQL and experience with large account-level datasets
• Advanced Power BI, Tableau and Excel skills
• Understanding of Expected Loss, Cost of Risk, ECL, NIM and ROA

Preferred Qualifications

• Experience with scorecard validation and strategy optimization
• Python, SAS or R skills

About the Company

RAKBANK is one of the UAE's leading banks, known for innovation, teamwork and strong risk governance.