Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. 

We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting and dynamic industry.  

JOB PURPOSE:

The purpose of the job is Credit Policy for all asset products in discussion with Business & Risk. Ensures governance of policies through post sales by monitoring performance of portfolio.

KEY ACCOUNTABILITIES:

• Timely resolution of credit policies and effectiveness
• Purpose of the job is credit policy for all asset products in discussion with Business & Risk and present to Credit Committee for approval. This covers UAE as accountability and international at oversight level.
• The other purpose is to ensure governance of policies through post sales by monitoring of portfolios as well as ensuring credit engine is accurately implementing policies.
• Governance of processes in terms of automation through digital in discussion with Business Teams.

Generic Accountability

• Support Head of Department and work closely with Credit Heads for continuous improvements and sustainability of systems, processes and credit practices through Quality Assurance. 
• Improve staff engagement by effective allocation of objectives of Qualitative Credit Governance. Set up individual objectives and motivate staff for effective achievement of the same.
• Lead talent development initiatives, collaborating with Business School
• Ensure to act as role model to drive adherence to organisational values and foster value driven culture

Minimum Qualification

• Master’s degree in Business Administration (MBA) or any other relevant finance degree, professional certification

Minimum Experience & Skill Set

• Expertise in Retail Credit policy & portfolio management
• UAE National with Family Book 
• 8-10 years’ experience in the banking sector with at least 4-5 years related to the job.
• Expert knowledge of CB Credit, CB Products, Systems & Process
• Strong structuring skills
• Good understanding of legal and regulatory framework.
• Ability to work under pressure
• Demonstrated strong people management skills.
• Strong communication skills – written and spoken.

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