In line with the UAE Government’s strategy to empower and develop nationals, Emirates NBD is committed to welcoming the young generation into an innovative, modern, and supportive work environment to contribute to the nation's success. We are looking to find the best UAEN talent to join our ENBD family.
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Location: Dubai, United Arab Emirates
Work Conditions: On-site, Full-time
Organization Unit Purpose:
Group Retail Credit is the Credit Policy, Strategy & Analytics unit for Retail Lending covering Personal Loans, Auto Loans, Credit Cards, Mortgages, Overdrafts, and SME.
Job Purpose:
Be part of a team of Analysts, Statisticians, and Database Managers in devising, developing, and enhancing Management Information Systems (MIS) and analytical reports. Build a comprehensive data platform and analytics pack for all Products.
Job Content:
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Operational Frameworks and Tools:
- Assist in maintaining operational frameworks and tools for the efficiency of the credit life cycle.
- Engage in framework development as required.
- Responsible for the timely monitoring of all credit-related frameworks.
- Prepare related framework process documents.
- Publish monitoring and validation results to higher management.
- Participate actively during implementation and troubleshoot stages of credit decision frameworks and optimization programs.
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Credit Bureau and Framework Repository:
- Ensure that credit bureau variables align with agreed logic.
- Timely update the credit bureau repository.
- Manage all group-level credit repositories.
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MIS Reports and Retail Analytics Support:
- Conduct regular analysis on credit decisions at the product level.
- Perform deep dive analyses on sourcing trends and assess impacts on credit frameworks and tools.
- Engage in the credit lifecycle, including underwriting and remedial actions, by providing analytical insights.
- Identify yield and loss trends in the portfolio.
- Perform in-depth analyses on any portfolio deterioration.
Education and Experience Required:
- Graduate or above.
- 3 to 5 years of working experience in a relevant field.
Knowledge & Skills:
- Strong analytical skills.
- Knowledge of retail asset banking products.
- Good communication skills.
