Credit Analytics Manager

About
The key responsibility of this role is to reduce lead time/increase efficiency and align to the overall bank's strategic direction towards AI/automation using the latest tools. The role covers conducting a detailed review of all the dashboards, MIS processes, and reports to assess those that can be generated by automating them. This role is not limited to Portfolio analytics but also includes reports generated for approval and disbursal monitoring, Collections MIS, Portfolio packs, Test tracking, and more to support senior management and CBUAE reports.

Key Accountabilities

• Use analytics to provide insights into portfolio and collections performance and various business segments to drive improvement and identify high-risk segments and opportunities.
• Automate manual processes to improve efficiency and reduce errors across portfolio and collections MIS, comprising all performance metrics – Resolutions, normalization, recoveries, etc.
• Analyze the scope for improvement in processes using SAS toolset (SAS, SQL, VBA, Macros, R, Python, E-miner) to reduce lead time and align to the overall bank's strategic direction towards automation.
• Portfolio segment analysis and presentation for senior management using appropriate tools.
• Coordinate with IT and other departments for timely availability of data for CBG.
• Ensure governance within the unit and that all audit items are closed on a timely basis.
• Ensure all processes are documented.
• Mentor, motivate, and help develop the skills of team members.

Qualifications

• Minimum Qualification
  • Bachelor’s degree or equivalent.
• Minimum Experience
  • Experienced professional in Credit Analytics with a minimum of 7 years.
  • Working knowledge of Portfolio monitoring, MIS reporting, and regulatory reporting.
  • Knowledge of Statistical and Analytics tools – SAS, SQL, ORACLE, etc.
  • Sound banking knowledge and understanding of Credit Risk at a broad level with a working knowledge of Retail Portfolios.
  • Sound knowledge of key consumer banking products.