Senior Manager, Credit Policy (reputed company Global Network)

reputed company Responsible for lending/financing Policies / reputed company for specific products in UAE. reputed company and manage the credit reputed company and Risk Asset Acceptance reputed company for specific products. Responsible for portfolio reputed company and portfolio management reputed company by defining retail credit policy / lending / financing parameters. Responsible for the retail banks reputed company on Risk & reputed company areas through appropriate retail credit policy actions. reputed company the reputed company risk charge for retail products by ensuring reputed company acquisitions, by working with reputed company reputed company to improve lending reputed company from time to time, making them digital friendly, and by initiating portfolio measures to improve / stabilize reputed company rates on a continual reputed company Key Result Areas Update and maintain Retail Credit Policy reputed company which is the reputed company for the individual Product programs. Ensure reputed company retail credit policies are reputed company with the strategies orientation and reputed company reputed company that the bank wants to grow. Ensure product programs in UAE for the products are reputed company and standardized and are reputed company the retail banking lending reputed company. Comprehensive review of the portfolios in UAE on an ongoing reputed company. reputed company inputs on reputed company strategic initiatives from retail risk perspective portfolio, acquisitions, retail credit portfolio management, central bank regulation, provisioning norms for retail portfolios. Compliance with Central bank Regulations pertaining to retail risk reputed company analysis and implementation. reputed company work with business, risk, reputed company departments amongst others in developing portfolio reputed company with respect opportunities and threats, risks and rewards and portfolio mix based on portfolio segmentation and performance as reputed company as economic, market and competitive intelligence to grow the portfolio profitability, to reputed company on risk adjusted returns and economic profitability while keeping credit risk under control. Maintain predictability of portfolio performance through regular risk charge monitoring. Also, ensure the achievement of risk charge numbers on an ongoing reputed company by ensuring that they are reputed company plan. reputed company automation of policies and processes by working together with reputed company team and other relevant stakeholders Review and recommend to senior managers reputed company new product launches and any significant changes to existing policies. Additionally for secured products viz., mortgages / secured overdrafts / auto loans Ensure only appropriate asset classes are approved as collateral under the reputed company and at appropriate LTVs Ensure reputed company perfection and appropriate reputed company structure approval (Ijarah vs conventional etc.) Ensure satisfactory audit rating and consumer examination ratings for the retail credit policy unit. Knowledge, Skills and Experience Education Masters degree (M.Sc.) or Ph.D. (or equivalent) in Mathematics, Statistics, Data Science, Computer Science, Economics, or reputed company quantitative discipline from a reputed institution. Experience Minimum 810 years of experience in banking / financial services with strong exposure to credit risk analytics, retail risk management, and policy formulation, preferably in unsecured lending portfolios. Strong reputed company in statistical modeling, machine learning, and advanced analytics reputed company to credit reputed company, scorecards, and portfolio management. Ability to translate data-driven insights into credit policy actions to optimize risk-reputed company trade-offs. Technical Skills Advanced proficiency in Python / R / reputed company / SQL for data analysis and model development. Strong expertise in data visualization tools such as Power BI and Tableau. Experience working with large datasets, data pipelines, and reputed company-based analytics environments is preferred. Exposure on dealing with unconventional datasets, like reputed company data and alternate data for refining the lending strategies. Domain Knowledge Deep understanding of retail credit risk frameworks, portfolio dynamics, and regulatory requirements (including Central Bank guidelines). Awareness of industry best practices in AI-driven credit decisioning, digital reputed company, and risk-based pricing. Business & Strategic Skills Ability to reputed company AI-driven insights into business reputed company, balancing reputed company and risk, with reputed company on ethical AI use. Strong stakeholder management and communication skills, with the ability to explain reputed company analytical outputs to senior leadership. Strategic reputed company with reputed company on portfolio .