credit risk analytics manager

MISPay

<div>
 <p>
  <strong>
   Role Overview
  </strong>
 </p>
 <p>
  We are seeking a Data Scientist &ndash; Credit Risk to support and enhance credit decisioning strategies within our Buy Now Pay Later (BNPL) business. The role will focus on developing, validating, and optimizing credit risk models to manage portfolio performance, and support sustainable growth in compliance with SAMA regulations.
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <ul>
  <li>
   Develop and maintain credit risk models (application scorecards, behavioral models, fraud models).
  </li>
  <li>
   Build predictive models for default probability, loss forecasting, and customer segmentation.
  </li>
  <li>
   Analyze large structured and unstructured datasets to generate risk insights and actionable recommendations.
  </li>
  <li>
   Monitor portfolio performance, delinquency trends, roll rates, and vintage analysis.
  </li>
  <li>
   Collaborate with related teams to enhance credit decisioning engines.
  </li>
  <li>
   Implement A/B testing and champion/challenger strategies.
  </li>
  <li>
   Ensure compliance with SAMA regulatory requirements and internal governance standards.
  </li>
  <li>
   Automate reporting dashboards and performance tracking using BI tools.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Qualifications &amp; Experience
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s or Master&rsquo;s degree in Data Science, Statistics, Mathematics, Computer Science, or related field.
  </li>
  <li>
   3&ndash;6+ years of experience in credit risk modeling (preferably in fintech, BNPL, or banking in KSA).
  </li>
  <li>
   Strong understanding of credit lifecycle, underwriting, and collections analytics.
  </li>
  <li>
   Experience working under SAMA regulatory framework is preferred.
  </li>
  <li>
   Proficiency in Python, SQL, and data visualization tools (Power BI/Tableau).
  </li>
  <li>
   Hands-on experience with machine learning techniques
  </li>
  <li>
   Knowledge of local credit bureau systems (SIMAH)
  </li>
  <li>
   Experience with big data tools
  </li>
  <li>
   Arabic language proficiency
  </li>
 </ul>
 <p>
  <strong>
   Technical Skills
  </strong>
 </p>
 <ul>
  <li>
   Statistical modeling &amp; hypothesis testing
  </li>
  <li>
   Feature engineering &amp; model validation
  </li>
  <li>
   Model performance monitoring
  </li>
  <li>
   Data wrangling &amp; ETL processes
  </li>
  <li>
   Version control &amp; documentation best practices
  </li>
 </ul>
 <p>
  <strong>
   Soft Skills
  </strong>
 </p>
 <ul>
  <li>
   Strong analytical and problem-solving skills
  </li>
  <li>
   Ability to communicate complex insights to non-technical stakeholders
  </li>
  <li>
   Attention to detail and high ownership mindset
  </li>
  <li>
   Ability to work in fast-paced fintech environment
  </li>
 </ul>
 <p>
 </p>
</div>


Data Scientist - Credit Risk

Visa

<div><b>Company Description</b><p><br>
Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.</p><p>
At Visa, you'll have the opportunity to create impact at scale &mdash; tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters &mdash; to you, to your community, and to the world.</p><p>
Progress starts with you.</p><b><br>
Job Description</b><p><br>
The individual will be a member of VCA Intelligence &amp; Data Solutions team in Asia Pacific. The position will be based in Visa&rsquo;s Bangalore office.</p><p>
As Credit Risk Modeling Lead, you will champion project delivery and lead design, development, validation, and implementation of advanced credit risk models for a diverse portfolio of clients across banking, fintech, and other lending sectors.</p><p>
You will combine deep technical and domain expertise with strong stakeholder engagement skills to deliver high‑impact solutions that meet regulatory requirements, enhance credit decision‑making, and drive business performance.</p><p>
This role offers the opportunity to work on multiple projects, across regions, and with varied data environments &mdash; making adaptability and client‑centric thinking essential.</p><p>
Key responsibilities:</p><ul><li>
Collaborate with data science leads and consulting leads to understand business needs and identify strategic areas where data science/modeling can drive strong business impact, in alignment with organization's goals and priorities</li><li>
Engage with client stakeholders to understand business challenges, risk appetite, and regulatory context</li><li>
Domain-driven feature engineering, with proven ability to transform high-volume raw data into risk sensitive variables that optimizes predictive power of the credit-risk scorecards, models.</li><li>
Worked in end to end model development projects &mdash; from requirements gathering to implementation &mdash; across Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), stage allocation according to SICR, IFRS 9/ECL, and stress testing frameworks</li><li>
Design and recalibration of credit scoring models leveraging alternate data sources (e.g., telco usage, e‑commerce behavior, social and utility payment data, open banking, and digital footprint) to expand credit access and improve risk assessment</li><li>
Present complex analytical findings in clear, actionable terms for senior executives and risk committees, provide best practice guidance on risk model governance, regulatory compliance, and validation standards</li><li>
Support data science leads in identifying opportunities for cross selling data analytics, AI/ML, and adjacent risk modeling services</li><li>
Support proposal writing, RFP responses, and client presentations to win new engagements</li><li>
Guide junior data scientists and analysts in technical modeling techniques and client delivery best practices, ensure quality and timeliness of project delivery</li><li>
Promote knowledge sharing across project teams and practices</li></ul><p>
This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.</p><b><br>
Qualifications</b><p><br>
Basic Qualifications:<br>
Bachelor&rsquo;s or Master&rsquo;s degree in Statistics, Mathematics, Economics, Finance, Data Science, or a related quantitative discipline.<br>
6+ years of experience in consumer or commercial credit risk modeling<br>
<b>Proven track record in developing, validating, and implementing PD, LGD, EAD, IFRS 9/ECL, and stress testing models</b><br>
<b>Experience across the full credit lifecycle &mdash; application, behavioral, collections, and portfolio monitoring models using both traditional and advanced neural networks/Gradient Boosted Trees.</b><br>
Demonstrated expertise in alternate data credit scoring e.g., telco, utility, social, e commerce, open banking data and integrating it into traditional risk frameworks<br>
Advanced proficiency in statistical programming languages such as<b> SAS</b>, <b>Python, and SQL</b><br>
Experience with machine learning techniques e.g., gradient boosting, random forests, neural networks and ensuring model explainability and fairness<br>
Ability to lead cross functional modeling teams and manage multiple projects simultaneously<br>
Strong stakeholder management skills &mdash; able to engage with internal data teams, risk committees, regulators, auditors, and client leaders<br>
Excellent communication skills &mdash; able to translate complex analytics into actionable business insights.<br>
Continuous learning mindset &mdash; staying updated on emerging modeling techniques, regulatory changes, and industry best practices<br>
<br>
Preferred Qualifications:<br>
Experience in a top tier consulting environment or risk advisory role<br>
<b>Exposure to machine learning methods e.g., XGBoost, LightGBM, neural networks ensuring that all models remain fully explainable</b><br>
Experience working across different geographies and regulatory regimes</p><b><br>
Additional Information</b><p><br>
Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.</p></div>

Manager, Credit Risk Modelling

Deloitte

<div></div><div><div><div><div><div>Job requisition ID :: 99039
</div></div></div></div><div><div><div><div>Date: Feb 23, 2026
</div></div></div></div><div><div><div><div>Location: Mumbai
</div></div></div></div><div><div><div><div>Designation: Assistant Manager
</div></div></div></div><div><div><div><div>Entity: Deloitte Touche Tohmatsu India LLP
</div></div></div></div><div><div><div><div><p>Strategy, Risk and Transaction
</p><p><b> Financial Industry Risk &amp; Regulation</b></p><p></p><p><b><br>
What impact will you make?</b></p><p><b><br>
</b></p><p>Every day, your work will make an impact that matters, while you thrive in a dynamic culture of inclusion, collaboration and high performance. As the undisputed leader in professional services, Deloitte is where you&rsquo;ll find unrivaled opportunities to succeed and realize your full potential</p><p><br>
</p><p><b>Deloitte is where you&rsquo;ll find unrivaled opportunities to succeed and realize your full potential.</b></p><p><b><br>
</b></p><p><b>The Team
</b></p><p>Deloitte SRT helps entities mitigate risk while discovering new opportunities to create value. Our end-to-end risk services span all domains, from managing strategic risks in the C-Suite to improving board oversight, and from balancing financial and environmental policies to addressing cyber threats.</p><p></p><p><b><br>
Work you&rsquo;ll do</b>
</p><p>In our team you&rsquo;ll build and nurture positive working relationships with teams and clients with the intention to exceed client expectations. You&rsquo;ll:
</p><ul><li>Develop and validate risk measurement models for credit, market and liquidity risk
</li><li>Build frameworks to ensure regulatory compliance (Basel, LIBOR transition, Risk Based Supervision, IFRS9, IFRS17 etc.)</li><li>Implement regulatory change programs</li><li>Design and implement capital management strategies and tools</li><li>Develop and validate risk measurement models for credit risk management covering:
</li><li>Credit rating / scoring methodologies</li><li>Basel IRB models (PD, LGD, EAD etc.)
</li><li>Stress Testing/CCAR models
</li><li>IFRS9/USGAAP Impairment models</li></ul><p><br>
</p><p><b>
</b></p><p><b>Qualifications
</b></p><ul><li>MBA or equivalent Master's degree
</li><li>Knowledge of risk management and regulatory areas would be preferred eg. Basel, Stress Testing, Capital Management, ICAAP, Risk Based Supervision, Risk Modelling, Analytics</li><li>Professional certifications like CFA and FRM would be highly desirable
</li><li>Knowledge of programming on SAS, R, Python would be desirable<br>
</li></ul><p></p><br>
<p><b>Your role as a leader</b></p><p><b><br>
</b></p><p>At Deloitte India, we believe in the importance of leadership at all levels. We expect our people to embrace and live our purpose by challenging themselves to identify issues that are most important for our clients, our people, and for society and make an impact that matters.</p><p></p><p><br>
In addition to living our purpose, employees at this level, across our organization:<br>
</p><p></p><br>
<p>&sect; Builds own understanding of our purpose and values; explores opportunities for impact
</p><ul><li>Demonstrates strong commitment to personal learning and development; acts as a brand ambassador to help attract top talent</li><li>Understands expectations and demonstrates personal accountability for keeping performance on track</li><li>Actively focuses on developing effective communication and relationship-building skills
</li><li>Understands how their daily work contributes to the priorities of the team and the business</li></ul><p><b><br>
</b></p><p><b>How you&rsquo;ll grow</b></p><p><b><br>
</b></p><p>At Deloitte, our professional development plan focuses on helping people at every level of their career to identify and use their strengths to do their best work every day. From entry-level employees to senior leaders, we believe there&rsquo;s always room to learn. We offer opportunities to help build world-class skills in addition to hands-on experience in the global, fastchanging business world. From on-the-job learning experiences to formal development programs at Deloitte University, our professionals have a variety of opportunities to continue to grow throughout their career. Explore Deloitte University, The Leadership Center.</p><p></p><p><b><br>
</b></p><p><b>Benefits
</b></p><p>At Deloitte, we know that great people make a great organization. We value our people and offer employees a broad range of benefits.</p><p>
Learn more about what working at Deloitte can mean for you.</p><p><br>
</p><p><b>Our purpose<br>
</b></p><p></p><p>Deloitte is led by a purpose: <i>To make an impact that matters</i>.</p><p></p><p><br>
Every day, Deloitte people are making a real impact in the places they live and work. We pride ourselves on doing not only what is good for clients, but also what is good for our people and the communities in which we live and work&mdash;always striving to be an organization that is held up as a role model of quality, integrity, and positive change. Learn more about Deloitte's impact on the world</p><p><br>
</p><p><b>Recruiter tips
</b></p><p>We want job seekers exploring opportunities at Deloitte to feel prepared and confident. To help you with your interview, we suggest that you do your research: know some background about the organization and the business area you&rsquo;re applying to.</p><p>
Check out recruiting tips from Deloitte professionals.</p></div></div></div></div></div><p></p>

Assistant Manager | Credit Risk | Mumbai | Regulatory & Financial Risk

<div></div><div><div><ul><li><div><b>Business Unit</b>
</div><div>QNB - Oman
</div></li><li><div><b>Division</b>
</div><div>Risk Management
</div></li><li><div><b>Department</b>
</div><div>Risk Management
</div></li><li><div><b>Location</b>
</div><div>Muscat, Oman
</div></li><li><div><b>Closing Date</b>
</div><div>31-Dec-2026
</div></li></ul></div><div><div><h5 class="jobSectionHeader"><b>About QNB</b></h5>
<p>Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.</p>
<p>QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.</p>
<p>QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.</p>
<p>Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.</p>
<p>QNB Group has an active community support program and sponsors various social, educational and sporting events.</p>
</div></div><div><div><div><h5 class="jobSectionHeader"><b>Job Purpose Summary</b></h5>
</div><div><p>The incumbent will be responsible for assisting the management of the process of credit approval on individual credit facility proposals for Corporate and Retail customers (only those retail proposals that fall outside applicable policy parameters), forwarded to them by the appropriate departments/ units. The incumbent will assess the quality of the credit exposure sought to be undertaken and adherence to established policies and procedures. The incumbent will constantly research and seek to apply best practices in credit risk, in accordance with Basel II and other relevant guidelines.</p>
</div></div><div><div><h5 class="jobSectionHeader"><b>Main Duties</b></h5>
</div><div><ul><li>Perform activities within the assigned Credit Risk Strategy that reflects the Group&rsquo;s tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.</li><li>Ensure the use of a standardized process for evaluating credit proposals ensuring that all approved credits are within QNB&rsquo;s Credit Risk Strategy.</li><li>Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on periodic basis</li><li>Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor same.</li><li>Implements KPI&rsquo;s and best practices for role</li><li>Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank.</li><li>Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.</li></ul>
</div></div><div><div><h5 class="jobSectionHeader"><b>Education/Skills</b></h5>
</div><div><ul><li>University graduate (Bachelor&rsquo;s degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.</li><li>Professional certification such as PRM, CPA, CFA is preferred.</li><li>Sound typically a Minimum of 8 years&rsquo; experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.</li><li>Excellent oral and numerical and written communication skills in English and Arabic (preferred).</li><li>Knowledge of Basel II Accord, with particular emphasis on credit-related issues and credit modelling methodologies.</li><li>Excellent quantitative modelling, analytical, and research skills.</li><li>Experience in working with large and complex data sets. Knowledge of financial markets and products.</li><li>Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.</li><li>In-depth understanding of credit risk methodologies (KMV, Credit / Metrics, etc.), interest rate modelling [short rate models, HJM, BGM, etc.], VAR, and/or other complex financial risk modelling highly desirable.</li><li>Adequate knowledge of IT systems/ applications.</li><li>Self-motivated, eye for detail with ability to work with others and lead teams from diverse cultural backgrounds.</li></ul>
</div></div><div><div><h5 class="jobSectionHeader"><b>Note: you will be required to attach the following:</b></h5>
</div><div><div><ul><li>Resume/CV</li></ul>
<ul><li>Copy of your Passport</li></ul>
<ul><li>Copy of Education Certificate</li></ul></div></div></div></div></div><div></div>

Senior Manager - Credit Risk

Commercial Bank of Dubai

<div>Dubai, Dubai, AE Permanent ID: 101335</div>
<br><div><div><div><div><h3 class="jobSectionHeader"><b>DESCRIPTION</b></h3>
<div><p><b>Principle Accountabilities
﻿</b></p><p>Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.</p><p></p><p><br>
CBD has been recognized as the number one bank in the UAE on the Forbes list of The World&rsquo;s Best Banks 2022.</p><p></p><p><br>
As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.</p><p></p><p><b><br>
Job Purpose
﻿</b></p><ul><li>To manage and undertake an independent assessment of the quality and effectiveness of controls, risk management, systems, processes and procedures in order to ensure that risks are effectively managed in accordance with all relevant policies and regulations.</li></ul><p></p><p><b><br>
Principle Accountabilities
</b></p><ul><li>Undertake reviews, as directed, in order to assess the quality and effectiveness of controls, risk management, systems, processes and procedures, highlighting areas of concern.</li><li>
Plan and organise reviews in accordance with the Internal Audit Plan and agree audit scope and terms of reference to ensure they are carried out effectively and within the timescales allocated, keeping management informed of their progress and findings.</li><li>
Lead and contribute to audits.</li><li>
Performing fieldwork and involved in the overall effectiveness assessment of controls.</li><li>
Produce draft issues/findings for Senior Audit Manager or Head of Audit&rsquo;s review and present to business&rsquo; management detailing the findings of reviews in order to agree factual accuracy and make generic recommendations for improvements to the management and control of risk.</li><li>
As appropriate, pro-actively liaise with stakeholders and team members in order to discuss current and future issues; feed risks identified into the planning process and provide advice and guidance as required, whilst promoting best practice.</li><li>
Confirm that outstanding issues identified during reviews are followed up and resolved to ensure that risks are effectively managed in accordance with all relevant policies and regulations.</li><li>
Manage and maintain relationships with management, colleagues and relevant external parties to discuss current and future issues and ensure their requirements and concerns are addressed.</li><li>
Support management in understanding and accepting where corrective actions need to be taken in order to protect the Bank.</li><li>
As appropriate, pro-actively liaise with internal stakeholders and team members in order to discuss current and future issues; feed risks identified into the planning process.</li><li>
Ensure compliance with the Bank&rsquo;s policies, procedures and guidelines together with all relevant regulatory and statutory requirements where appropriate implementing actions to protect the Bank&rsquo;s business at all times.</li><li>
Recommend changes to policies, systems, processes and working practices in order to achieve operational improvement.
</li><li>Manage, motivate and develop team members as required, so that their individual and collective performance is of the required standard and meets the current and future needs of the business.</li></ul></div></div></div></div></div>
<br><div><div><div><div><h3 class="jobSectionHeader"><b>REQUIREMENTS</b></h3>
<div><p><b>Experience and Qualifications
</b></p><ul><li>ACA or Other Professional qualification relevant to the role.</li><li>
Must be a graduate</li></ul><p></p><p><b><br>
Skills</b></p><ul><li>
Strong command of English.</li><li>
Knowledge of Arabic would be an advantage</li><li>
Internal Audit experience</li><li>
Strong verbal communication</li><li>
Strong written communication (such as report writing)</li><li>
Presentation/Facilitation</li><li>
Analytical Skills</li><li>
Project Management</li><li>
Organisational awareness</li><li>
Product knowledge</li><li>
Banking Regulations</li></ul></div></div></div></div></div><p></p>

Audit Manager Retail & Credit Risk

ProClink

<div><div>Job Title: Credit Risk Consultant (Data Analytics)</div><div>
Experience: Minimum 5+ years of relevant experience in credit risk analytics, preferably within lending.</div><div></div><div>
About the Role</div><div>
We are looking for an experienced Credit Risk Consultant to join our analytics team and work closely with clients across the customer lifecycle. This role sits at the intersection of business, risk, and data, requiring strong functional expertise, hands-on technical skills, and the ability to translate analytics into actionable business insights.</div><div>
-</div><div><b>
Key Responsibilities</b></div><ul><li>Act as a subject-matter expert for risk analytics, underwriting, and portfolio management.</li><li>Partner with clients to understand business objectives and translate them into analytics-driven credit risk solutions.</li><li>Design, review, and enhance credit risk strategies including:</li></ul><div>
o Acquisition &amp; underwriting</div><div>
o Credit line assignment and management</div><div>
o Pricing and risk-based segmentation</div><ul><li>Analyze large datasets to identify trends, risks, and opportunities, and communicate insights clearly to both technical and non-technical stakeholders.</li><li>Support model performance monitoring, validation, and ongoing optimization.</li><li>Collaborate with data scientists, engineers, and business teams to ensure end-to-end delivery of analytics solutions.</li><li>Create clear documentation, presentations, and client-ready materials.</li></ul><div></div><div><b>
Required Skills &amp; Qualifications</b></div><div>
1. Functional Knowledge</div><ul><li>Strong understanding of credit risk management concepts and frameworks.</li><li>Hands-on experience with underwriting, risk policy, and portfolio analytics.</li><li>Knowledge of key risk metrics such as approval rates, delinquency, roll rates, charge-offs, and vintage analysis.</li></ul><div>
2. Business Understanding</div><ul><li>Deep understanding of how lending products work in the analytics ecosystem, including customer lifecycle, profitability drivers, and risk-reward trade-offs.</li><li>Experience working with credit bureau data, transaction data, and customer behavior data.</li><li>Ability to align risk strategies with business growth, customer experience, and regulatory considerations.</li></ul><div>
3. Technical Skills</div><ul><li>Strong proficiency in SQL for data extraction and analysis.</li><li>Experience with Python, R, or SAS for analytics and modeling.</li><li>Comfortable working with large datasets and analytics platforms.</li><li>Experience with dashboards or visualization tools (e.g., Power BI, Tableau) is a plus.</li></ul><div>
4. Communication &amp; Consulting Skills</div><ul><li>Excellent verbal and written communication skills.</li><li>Ability to explain complex analytical concepts in a simple, business-friendly manner.</li><li>Proven experience working in client-facing or stakeholder-heavy environments.</li><li>Strong presentation and storytelling skills using data.</li></ul><div>
5. Willingness to work in US time shift</div><div>
Nice to Have</div><ul><li>Experience in data analytics, consulting, or fintech environment.</li><li>Exposure to regulatory frameworks related to consumer credit.</li><li>Prior experience working with global or large-scale lending portfolios.</li></ul><div>
-</div><div>
What We Offer</div><ul><li>Opportunity to work on high-impact analytics problems.</li><li>Exposure to leading financial institutions and innovative analytics solutions.</li><li>Collaborative, data-driven culture with strong learning opportunities.</li><li>Competitive compensation and growth potential.</li></ul></div>

Credit Risk Consultant

Islamic Development Bank (IsDB)

<div>
 Title: Sr. Associate, Credit Review
 <br/>
 <br/>
 Requisition ID: 5806
 <br/>
 <br/>
 <strong>
  <strong>
   OVERVIEW
   <br/>
   <br/>
  </strong>
 </strong>
 <strong>
  Business Unit
 </strong>
 Risk Management
 <strong>
  Division
 </strong>
 Credit Review
 <strong>
  Location
 </strong>
 Jeddah, Saudi Arabia
 <strong>
  Job Grade
 </strong>
 E2
 <strong>
  Type of Employment
 </strong>
 Fixed-Term Appointment
 <br/>
 <br/>
 <strong>
  <strong>
   JOB PURPOSE
   <br/>
   <br/>
  </strong>
 </strong>
 The job holder is responsible for performing the evaluation of trade finance proposals at ITFC with a view to identifying the associated credit risks and recommending mitigating measures to its line management. The role encompasses also the review of portfolio transactions and supporting the Department for ad-hoc risk management related assignments, as required. The role is also expected, whenever required, to contribute and perform in areas of credit risk architecture, governance, policies, tools, and analytics.
 <br/>
 <br/>
 <strong>
  <strong>
   KEY ACCOUNTABILITIES
   <br/>
   <br/>
  </strong>
 </strong>
 <ul>
  <li>
   Assist the Manager/Senior Manager, Credit Review in conducting a thorough evaluation of all financing proposals received from Trade Solutions Complex as well as investment proposals and ensure that these are in adherence with ITFC&rsquo;s risk acceptance criteria. This evaluation will include identifying the associated risk factors and recommending suitable credit enhancements or risk mitigation measures to the line management.
  </li>
  <li>
   Assist the Manager / Senior Manager, Credit Review in preparing the technical review report for Risk Management recommendations on prospective deals that are to be incorporated as a critical input in Credit/Investment Committees&rsquo; meetings.
  </li>
  <li>
   Conduct activities such as the preparation of reports for the portfolio assessment committee (PAC), Credit Committee (CC) and the follow-up of credit related issues assigned by the line management.
  </li>
  <li>
   Provide input in developing, validating, and updating the Risk Scoring models and making recommendations, as required by the Division Manager.
  </li>
  <li>
   Undertake initial review of periodical Credit Risk Ratings prepared for ITFC clients, verify compliance with defined covenants and relevant contractual arrangements, and ascertain that no material adverse changes occur regarding the client and/or the business environment.
  </li>
  <li>
   Monitor the implementation of corrective actions, where required, based on the deliberations of the portfolio assessment committee (PAC) and standard operating procedures established for Credit Risk Management.
  </li>
  <li>
   Compile lessons learnt from credit standpoint based on the findings of credit review, portfolio management assignments and provide inputs to the line management for the strengthening of credit risk management practices.
  </li>
  <li>
   Support the line management for the strengthening of risk culture through various dissemination platforms.
  </li>
  <li>
   Identify areas of automation in the credit management process on an ongoing basis.
  </li>
  <li>
   Maintain MIS reports, log of credit files and minutes to the meetings in digital and paper-based archives.
  </li>
  <li>
   Provide risk measurement input pertaining to ITFC financing/investment portfolio, as required, for the purpose of periodic risk management reports prepared by the Credit &amp; Market Risk Division.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  <strong>
   KEY ACCOUNTABILITIES
   <br/>
   <br/>
  </strong>
 </strong>
 <strong>
  ACADEMIC AND PROFESSIONAL QUALIFICATIONS
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Bachelor&rsquo;s Degree in Banking/Financial Economics or similar qualification
  </li>
  <li>
   Master's in Finance, a CFA charter, or an FRM certification is a plus
  </li>
  <li>
   Minimum of 2 years of experience
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  <strong>
   SKILLS &amp; NECESSARY KNOWLEDGE
   <br/>
   <br/>
  </strong>
 </strong>
 <ul>
  <li>
   English is compulsory
  </li>
  <li>
   Arabic and/or French is a plus
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  <strong>
   ABOUT APPLICATION PROCESS
   <br/>
   <br/>
  </strong>
 </strong>
 If you meet the criteria and you are enthusiastic about the role, we would welcome your application. To complete the application you would need the following document(s):
 <br/>
 <br/>
 <ul>
  <li>
   Resume/CV
  </li>
  <li>
   Copy of passport
  </li>
  <li>
   Academic certificate
   <br/>
   <br/>
  </li>
 </ul>
 If you are currently an IsDB Regular staff applying for this role and get selected through the competitive selection process; your current contract type and other terms and conditions will remain unchanged.
 <br/>
 <br/>
 The Islamic Development Bank (IsDB) does not ask for payments of any kind from applicants throughout the recruitment process (job application, CV review, interview meeting, and final processing of applications). In addition, the IsDB does not request information on applicants&rsquo; bank accounts. The IsDB declines all responsibility for the fraudulent publications of job posts or job offers in its name or, in general, for the fraudulent use of its name in any way whatsoever.
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Sr. Associate, Credit Review

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