Credit Risk Analyst

SolveCube is an award winning AI enabled Talent Solutions Platform for middle and senior level professionals. SolveCube is working with global consulting firms, mid and large enterprises across Asia Pacific and Middle East to fulfil their talent needs for permanent, short-term, part-time, interim and turnkey assignments.

One of our clients a reputed bank in Dubai is looking for Credit Risk Analyst

P.S- This role is open only for UAE Nationals.

Job Description – Credit Risk Analyst

1 JOB TITLE

Credit Risk Analyst

2DEPARTMENT

Retail Banking Credit

3 REPORTING TO

Head of Retail Credit Policy

Export to Sheets

4. JOB PURPOSE

• Portfolio Analytics' including generation of
• MIS, Reports, and Management Presentation packs of all Asset Products falling within the domain of Personal Banking, and Islamic Retail banking.
• Support and work closely with Manager Retail Credit Policy to develop and implement Credit Risk Policies, processes and procedures .

5. Principal Accountabilities

Work Management

• Responsible for analyzing Scorecards, Limit assignment, and Impairment model management including other related Risk models to identify both risk and opportunity areas.
• Provide support to Head of Retail Credit Policy in meeting Risk Management Department’s objectives.
• Work closely with IT, Finance, and other departments to generate timely and accurate MIS/Dashboards.
• The incumbent should have a bias to automate the various reports .
• Identify credit risks / trends under different scenarios and provide analytical support for making specific business decisions.
• Participate as a Team member and undertake responsibility for the improvement of the on-going management of credit risk reports and analyses in an accurate, efficient and timely manner.
• Ability to identify data points and data sources to build a comprehensive, accurate and complete credit information database.
• Facilitate in Data Warehousing process and retrieval and Analysis of Data.
• Represent the team in initiatives pertaining to
• data warehousing, data analysis automation, and analytics .

6. JOB CONTEXT

(Internal or external environment in which the job operates)

• The economic conditions are changing and so are the risk profiles.
• The jobholder needs to review continuously the Bank’s strategy for credit risk and provide due recommendations to the Head of Credit Risk .
• This job achieves criticality as it needs
• Regulatory Compliance requirements .
• The jobholder needs to review continuously the Bank’s strategy for credit risk and provide due recommendations to the Management .

7. COMMUNICATION & WORKING RELATIONSHIPS

• Regular meetings with Management to consult issues and work progress.
• Ongoing contact with all internal business managers to obtain and exchange information on risk management.

9. FRAME WORK, BOUNDARIES & DECISION MAKING AUTHORITY

(Nature of authority both financial & Non-financial if applicable)

• Works within the overall direction and guidelines set by the
• Head of Risk Management .
• Job holder’s recommendations and proposals are major inputs for decision making.

10. QUALIFICATIONS

• Degree in Finance, / Analytics .
• Possesses knowledge of Credit and Financial Analysis .
• Basic knowledge of Credit Risk.
• To be familiar with Rating and Scoring models .
• High Proficiency in EXCEL & SAS .
• Communication Ability – written and spoken.

11. EXPERIENCE

(Number of years, type & at what level etc.)

• 2 – 3 years of having handled Retail credit MIS/analytics including familiarity with Scorecard analytics.

12. SKILLS

• Analytical skills.
• Good command of English.
• Strong investigative and interpretive skills.
• Persuasive communication / presentation skills.

13. COMPETENCIES

• Thinking analytically.
• Communicating effectively.
• Attention to detail.
• Taking initiatives.