Risk Manager - Credit Cards and Personal Loans.
Posted date [15-Mar-2024]
(ID: 1653671)
A reputed international banking organization with strong presence in the Middle East immediately requires qualified and experienced individuals for the post of Risk Manager - Credit Cards and Personal Loans.
REQUIREMENTS:
> Applicants should be a Graduate in a finance based subject.
> Work experience of minimum 3 years in a similar position in a consumer bank is required.
> Should be experienced in using credit tools and techniques to ensure risk is measured and continually mitigated.
> Should be a rational, pragmatic, disciplined, solution oriented and methodical personality.
> Ability to persuade and influence colleagues and superiors of the validity of solutions proposed based on rational argument, supporting data.
> Having working knowledge of credit scoring and management of scorecards to ensure continued validity and acceptable performance will be beneficial.
> Bahraini citizens and Arabic speakers highly preferred.
RESPONSIBILITIES:
> Coordinate & Participate in country / regional and group initiated projects to have better credit culture.
> Use data drive and statistical techniques as drive decision-making relating to credit decisions and portfolio management.�
> Review and manage internal MIS reporting to ensure planned business growth but keeping a balance in risk and reward equation.
> Ensure portfolio management and effective monitoring of personal lending lines to ensure risk is continually evaluated and mitigated
> Work closely with VC Managers to provide value added risk feedback to assist the business in achieving sustainable & profitable growth for all products.�
> Manage the credit quality for consumer lending relating to credit cards and personal loans ensuring portfolio management and effective monitoring of lending business.�
> Continually develop management information and portfolio segmentation to clearly identify the risk drivers so these can be controlled to forecasted portfolio performance.�
> Provide feedback on risk matters concerning new products, changes to existing products (through the PDD process) and participate in the key business management/strategic decisions.�
> Design, modify, communicate and explain credit and lending policies which could anticipate/reflect market conditions to ensure improvement in the portfolio quality and profitability maximization.
