Senior Credit Policy Manager At Abu Dhabi Islamic Bank
JOB PURPOSE
To develop, implement and maintain credit risk strategies for the Retail credit business as a whole (operating, organizational, physical and technology models)
KEY ACCOUNTABILITIES
Builds a strong Risk/Retail/Service Delivery partnership that will deliver superior customer experience
Critical analyses the new retail credit risk product offerings to identity any underlying credit risks and coming up with practical ways to counter or manage the risks
Designs, develops and implements the Retail Risk programmes of change, ensuring that the benefits of such change are driven out and maximized and change embedded into the business as usual operations
Ensures that all the critical Credit Functions within the country are adequately capacitated to carry out their functions efficiently and effectively
Formulates / circulars - owner of the Retail Risk policies and Procedures and Manuals
Develops and reviews of Portfolio modelling.
Initiates, designs, develops and implements new technologies and methodologies to improve the process efficiency and quality of the financing portfolio
Drives the business towards achieving strategic goals and realize the Mission statement by implementing and maintaining robust credit risk systems and processes
Continuous improves the Management Information base to ensure they remain relevant, reflect credit risk appetite and are useful to provide the business with information for use in decision-making and policy matters.
Ensures all reporting / MI requirements are produced and delivered to recipients within agreed SLAs
Communicates effectively with the business on all risk related matters
Reviews, redefines and makes recommendations to the Policy Head and then implement the framework for managing risk within the Retail financing policies
In conjunction with the Policy Head, establishes and reviews risk policy, interpreting Group requirements and setting credit risk appetite for the Retail portfolio and being ultimately responsible for the quality of the Retail credit portfolio
Drives behavioral change within the retail risk teams and retail front line staff responsible of selling credit products to achieve a sales/service culture across the Retail market segment
Builds and develops links with other Group functions to ensure that the expertise within the Group is maximised
And any other assigned Tasks
Minimum Qualifications:
University/College Degree
7-10 years of relevant experience in Retail Risk
Job specific Skills:
Strong Leadership and Decision Making skills
Strong Product Knowledge and Technology Techniques
Credit Knowledge and strong risk skills
Strategic Thinking & planning skills
Details Oriented & Analytical skills
Good understanding of Legal and regulatory requirements.
Generic Skills:
Excellent presentation and communication abilities
People Management skills
Excellent command of English language.
Strong computer skills