Qureos Mentor

Deem Finance

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 Strategic Leadership and Digital Credit Transformation
 
 
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 Define and lead the bank&rsquo;s digital credit risk strategy, focusing on scalable, automated, and data-driven underwriting systems.
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 Design and refine digital underwriting frameworks and scoring models across products, embedding them into end-to-end digital journeys.
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 Implement rule-based decision engines and AI-driven risk assessments to support real-time approvals and risk-based pricing.
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 Collaborate with IT and product teams to build API-based ecosystems that integrate credit bureaus, identity verification services, bank statement readers, and alternate data sources.
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 Establish credit risk architecture for mobile apps, digital onboarding, and straight-through processing platforms.
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 Credit Policy, Governance, and Regulatory Compliance
 
 
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 Develop and maintain robust credit policies, product-specific underwriting criteria, and risk frameworks aligned with Central Bank and internal governance standards.
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 Monitor credit performance by segment (personal loans, credit cards, SME), ensuring adherence to limits, exposure, and thresholds.
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 Serve as the main point of contact for regulatory bodies during credit audits and inspections.
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 Ensure KYC, AML, and FATCA-related risks are controlled during the credit origination and review stages.
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 Credit Operations and Underwriting Oversight
 
 
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 Oversee the performance and structure of underwriting teams including Team Leader Underwriters and Underwriters.
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 Drive productivity through digitized workflows, performance dashboards, and process automation.
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 Approve complex and exception-based cases that fall outside automated decision criteria.
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 Optimize operating models to manage both high-volume retail products and higher-risk SME accounts.
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 Portfolio Management and Risk Monitoring
 
 
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 Lead ongoing monitoring and review of portfolio performance using data analytics, portfolio segmentation, and scorecard tracking.
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 Conduct risk reviews and trend analysis to identify early warning signals and take preventive action.
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 Design and execute stress tests and simulations for adverse macroeconomic scenarios or sectoral shocks.
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 Maintain dynamic risk appetite statements and exposure limits based on internal and external triggers.
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 Innovation, Product Risk &amp; Credit Enablement
 
 
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 Collaborate with the Product and Growth teams to ensure credit products are risk-aligned from the design stage.
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 Support digital product launches by predefining acceptable credit parameters, pricing bands, and automated decision rules.
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 Continuously evaluate market trends, competitor offerings, and alternative lending innovations to improve the bank&rsquo;s credit risk posture.
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 Work closely with fintech partners, credit bureaus, and third-party vendors to build credit intelligence capabilities.
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 Credit Review and Obligors Oversight
 
 
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 Annual individual obligor reviews (Wholesale) and portfolio reviews (Retail).
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 Trigger events for risk rating updates and policy amendments.
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 Clear documentation for credit decisions and delegation matrix for approvals.
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 Exception Management
 
 
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 Requirement to justify exceptions or deviations in writing.
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 Process for referring exceptions to CRO for review while maintaining CCO&rsquo;s decision-making autonomy.
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 Collaboration with CRO when a proposal breaches risk appetite.
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 Regulatory Oversight
 
 
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 Clear expectation of compliance with UAE Central Bank regulations, Basel norms, and audit readiness.
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 Role in regulatory inspections, audits, and supporting full transparency.
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 Team Development and Leadership
 
 
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 Lead and mentor the credit underwriting leadership team to foster high performance, accountability, and knowledge growth.
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 Identify training needs related to digital credit analytics, fraud detection, and behavioral underwriting.
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 Build a talent pipeline that combines traditional underwriting expertise with data analytics and digital fluency.
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 Encourage a culture of agility, continuous improvement, and cross-functional collaboration
 
 
 
 
 
 
 Role Specifications
 
 
 
 Education
 
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 Bachelor&rsquo;s degree in Finance, Business Administration, Risk Management, Economics, or a related field (Mandatory)
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 MBA or Master&rsquo;s in Risk Management or Financial Engineering preferred
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 Professional certifications such as FRM, CFA, or equivalent are highly desirable
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 In depth knowledge in Basel standards and internal credit review frameworks.
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Chief Credit Officer

Join Deem Finance and explore 1   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

Deem Finance

ABOUT_COMPANY

Chief Credit Officer