Senior Officer – Credit Policy & MIS

As a Senior Officer – Credit Policy & MIS, you will play a critical role in supporting the Retail Credit Risk function by maintaining a strong policy, portfolio monitoring, and control framework across Retail and Business Banking lending products. You will be responsible for supporting credit policy governance, portfolio analytics, regulatory reporting, provisioning oversight, and management information systems (MIS), while ensuring data integrity, regulatory compliance, and effective risk monitoring across the lending portfolio.

Responsibilities

• Support the drafting, renewal, and maintenance of Retail Credit Policies (RCP), Product Program Guidelines (PPGs), credit circulars, and policy notes.
• Monitor key portfolio indicators including exposures, bookings, delinquency, NPLs, provisions, restructures, and cost of risk.
• Maintain and reconcile portfolio-level and account-level MIS across Retail and Business Banking portfolios.
• Support monthly provisioning and Expected Credit Loss (ECL) activities across retail lending portfolios.
• Collaborate with Risk, Finance, Operations, Collections, Compliance, and other internal stakeholders.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Business, Statistics, Information Systems, or a related discipline.
• Minimum 5 years of experience in Credit Risk MIS, Credit Policy, Portfolio Analytics, Provisioning, Retail Lending Operations, Risk Analytics, or related banking functions.
• Strong understanding of Retail Credit Risk and Product Program Guidelines.

What’s In It For You

• Competitive, performance-linked compensation.
• Medical coverage for you and your family.
• Comprehensive life insurance.
• Exposure to enterprise-wide credit risk, policy, and portfolio management activities.
• A collaborative environment focused on innovation, governance, and continuous improvement.