Credit Analytics Professional

The key responsibility of this role is to reduce lead time and increase efficiency while aligning with the overall bank's strategic direction towards AI and automation using the latest tools. This role involves conducting a detailed review of all dashboards, MIS processes, and reports to identify those that can be automated. It encompasses not only Portfolio analytics but also includes reports necessary for approval and disbursal monitoring, Collections MIS, Portfolio packs, and Test tracking, thereby supporting senior management and CBUAE reports.

Key Responsibilities

• Use analytics to provide insights into portfolio and collections performance across various business segments to drive improvements and identify high-risk segments and opportunities.
• Automate manual processes to enhance efficiency and minimize errors resulting from manual calculations within portfolio and collections MIS, covering all performance metrics – Resolutions, normalization, recoveries, etc.
• Analyze potential improvements in processes utilizing the SAS toolset (SAS, SQL, VBA, Macros, R, Python, E-miner) to reduce lead time and align with the bank's strategic direction toward automation.
• Coordinate with IT and other departments to ensure the timely availability of data for CBG.
• Implement governance within the unit, ensuring that all audit items are closed in a timely manner.
• Mentor, motivate, and assist in the development of team members' skills.

Requirements

• Bachelor’s degree or equivalent.
• Minimum of 7 years of experience in Credit Analytics.
• Proficient knowledge of Portfolio monitoring, MIS reporting, and regulatory reporting.
• Familiarity with statistical and analytics tools including SAS, SQL, ORACLE, etc.
• Solid banking knowledge and understanding of Credit Risk at a broad level, complemented by practical knowledge of Retail Portfolios.