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    Manager - Retail Analytics - Dubai, United Arab Emirates - Tanfeeth Dubai

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    Description
    • Identify areas of increased credit risk and advice credit policy/fraud/collection to take appropriate actions.
    • Analyse MIS to ensure quality of the portfolio with regards to risk.
    • Ensure adequate and consistent monitoring and review of product portfolio quality.
    • Provide necessary reporting on the Retail Credit Policy Initiatives / product performance and provisioning.
    • Providing data, information, and insights to various other risk teams to complete work on Consumer lending credit risk management report
    • Produce Retail Analytics Pack to various senior management committee
    • Deliver high quality risk management reports to aid senior management in understanding risk trends and aiding in strategic decision making for the business
    • Design and develop robust Loss forecasting framework for yearly planning and closely monitor the actuals with forecast.
    • Establish risk-based pricing to achieve desired risk-reward results
    • Monitor the currently in use scorecards and asses the need for redevelopment through close monitoring of performance.
    • Developing score-based strategies including score cut-off determination
    • Review and recommend alterative analytical and modeling tools to improve model quality and performance
    • Actively participate and contribute to Bank's ICAAP exercise in line with the regulatory requirement.
    • Responsible for ensuring robust, accurate and complete submission of regulatory requirement.
    • Liaise with IT for all system enhancement projects (related to streamlining and automation of the credit management processes)
    • Provide specification requirements for risk-related system functionalities.
    • Ensuring all the units' data requirement are met through coordinating with IT/Technical team
    • Manage the reporting of provisions to finance and various other stakeholders
    • Actively participate in ECL model development, provided necessary data/inputs required to group model development and validation team
    • Identify gaps/areas of enhancing the existing models
    • Develop various collection models/segmentation for effective collection strategy and Ensuring scoring/segmentation every month.
    • Support collection strategy in collection initiatives to control performance, delinquency rates, and credit losses


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