About the Role / About the Job
Ready to apply for roles like this?
Unlock the company name and direct application link. Subscribers get instant access to fresh jobs across Dubai, Abu Dhabi and Riyadh, many with visa support.
Unlock employer & apply directly
This position supports the effective oversight of the company’s credit risk portfolio through comprehensive portfolio analytics, risk monitoring, and high-quality reporting to Senior Management, Management Committees, and the Board. The successful candidate will lead the preparation, review, and enhancement of credit risk reporting, providing insights into portfolio quality, risk trends, concentrations, asset quality, provisioning, and emerging areas of risk. This role also requires coordination and delivery of accurate, timely credit risk regulatory reporting to the Central Bank of the UAE (CBUAE) while ensuring compliance with applicable regulatory requirements, internal policies, and the company’s risk governance framework.
Key Responsibilities
Credit Risk Portfolio Management & Analytics:
- Monitor and analyse the company’s credit risk portfolio across various dimensions, including business segment, sector, geography, counterparty, product, rating, staging, and other material risk concentrations.
- Assess portfolio quality and trends, including exposures, concentrations, asset quality indicators, credit migration, IFRS 9 staging, ECL/provisions, and other key credit risk metrics.
- Identify emerging risks, deteriorating trends, portfolio vulnerabilities, and risk concentrations, performing root-cause and driver analysis where needed.
- Support portfolio reviews, thematic analyses, and ad-hoc deep dives requested by Senior Management, Risk Committees, or the Board.
Management & Board Reporting:
- Prepare high-quality credit risk reports and presentations for Senior Management, Management Committees, and the Board, ensuring clear articulation of key developments, risks, and management actions.
- Coordinate the periodic credit risk portfolio reporting process across relevant Risk and Business stakeholders.
- Ensure consistency of credit risk information, definitions, and commentary across management, committee, and Board reporting.
- Translate complex portfolio data into concise, decision-useful risk insights for senior stakeholders.
Regulatory Reporting:
- Coordinate the preparation and submission of credit risk regulatory reports and information required by CBUAE.
- Ensure regulatory submissions are accurate, complete, appropriately reconciled, and supported by adequate controls and documentation.
- Support responses to CBUAE requests, inspections, and supervisory reviews concerning credit portfolio information and risk reporting.
- Monitor changes in regulatory reporting requirements relevant to credit risk and coordinate their implementation within the reporting framework.
Data Quality & Reporting Governance:
- Maintain appropriate controls over credit risk data sourcing, reconciliation, validation, and reporting.
- Investigate material data discrepancies, coordinating their timely resolution with relevant stakeholders.
- Maintain appropriate documentation, procedures, data definitions, and reporting controls.
- Support the reconciliation of information across regulatory, financial, risk, and management reporting where applicable.
Automation & Continuous Improvement:
- Drive automation and simplification of recurring portfolio monitoring and reporting processes.
- Develop and enhance analytical tools, dashboards, and management information to improve transparency of credit risk.
- Identify opportunities to improve data quality, reporting efficiency, and analytical capability.
- Support the development of scalable reporting solutions using appropriate analytical and visualisation tools.
Specialist Skills / Technical Knowledge Required
- Strong knowledge of credit risk management and portfolio risk analytics across Retail and/or Non-Retail portfolios.
- Strong understanding of credit risk metrics, portfolio concentrations, asset quality, credit ratings, IFRS 9 staging, and ECL/provisioning.
- Familiarity with CBUAE credit risk regulatory requirements and regulatory reporting expectations.
- Extensive experience in management, committee, Board, and regulatory risk reporting.
- Strong analytical capability and ability to interpret large datasets to convert them into meaningful risk insights.
- Proficiency in Excel and PowerPoint, with strong capability in management information and executive-level presentations.
- Experience with data analytics, reporting and visualisation tools such as Power BI, SAS, SQL, Python, or similar platforms.
- Good understanding of data governance, reconciliation, data quality, and reporting controls.
- Strong written communication skills, particularly in developing concise senior-management and Board-level risk commentary.
Previous Experience Required
- Minimum 8–10 years of relevant experience in banking, preferably within Credit Risk Management, Portfolio Risk, Risk Analytics, or Regulatory Risk Reporting.
- Demonstrated experience in credit portfolio analysis and management reporting in a financial institution.
- Experience preparing credit risk information and presentations for Senior Management, Risk Committees, or Board-level forums.
- Experience in regulatory reporting or interaction with banking regulators, preferably CBUAE or a comparable banking supervisory authority.
- Experience in analysing large and complex credit risk datasets and identifying portfolio trends, concentrations, and emerging risks.
- Hands-on experience with reporting automation, data analytics, and/or business intelligence tools.
- Experience working across Risk, Finance, Business, Technology, and Data functions would be an advantage.
