MashreqAssistant Manager- Credit Policy
AI in this role
Perform portfolio analytics and support credit policy automation through risk assessment and data reporting.
Job Purpose
• To assist in providing necessary inputs through analytics for managing the Product Program for UAE (all emirates) and IBG, including other geographies as operations expand.
• Perform Portfolio Analytics to identify areas of "Risk" and "Growth" to facilitate policy changes.
• Analyze tests within the product to explore growth segments and conduct stress tests on the portfolio & risk-based segmentation.
• Monitor portfolio growth and direction, generating MIS for outcomes.
• Support automation of credit policies and parameters for lending.
• Automation would include preparing the complete test scripts for UAT, testing of the required development as and when required, review and recommend updated to ensure maximum automation which reduces manual intervention.
• Assist in the review of the existing systems available and highlight to the policy manager in cases of any discrepancies between the existing policies and the approved policies.
• Support the policy manager and ensure Active involvement with collections and recovery to develop procedures / strategies to cure bad credits and incorporate insights into enhanced underwriting standards.
Key Result Areas
• Support policy managers in monitoring portfolio quality by analyzing available data.
• Come up with implementable solutions to address asset quality issues in acquisition as well as existing portfolio of retail asset products.
• Assist in meetings for policy preparation and modification based on market requirements and portfolio performance.
• Draft policies/guidelines for product programs, new launches, and target segments
• Track and follow up on system change requests to meet changing business needs, improving risk management, and liaising with respective units.
• Ensure policy implementation is completed within approved timelines. Highlight exceptions to the Policy Manager for necessary approvals.
• Liaise with Retail Risk team to ensure the availability of data for comprehensive reporting.
• Collaborate with Collections and the Credit Initiation Unit to recommend improvements for effective policy implementation.
• Submit MIS reports to internal departments and external agencies within stipulated deadlines.
Knowledge, Skills and Experience
• Hands on experience in SAS, Hadoop, Hive
• Graduate degree in finance, engineering, business or related fields.
• Strong analytical skills.
• Proficiency in best practices in credit and underwriting.
• In-depth knowledge of banking operations, sales, and customer-focused environments.
• 3–5 years of experience in banking/financial services, including credit analysis, statistical analysis, and leadership roles.
How we rate this
Assistant Manager- Credit Policy at Mashreq rates 0 out of 100 for how much of the daily work is AI. That makes it Little AI (AI Level 1 of 4). The level is about AI in the job, not seniority.
Little AI. AI is not part of the work.
- ●●●● Builds AI80 to 100
- ●●●○ Works on AI60 to 79
- ●●○○ Uses AI40 to 59
- ●○○○ Little AI0 to 39
Levels come from how often the tools, models and workflows of the role are named in the posting itself. Open the description and count.
Prepare for this job
A free preview built only from this posting: what it asks for, what you could be asked in an interview, and how to adjust your resume.
Skills and AI tools this role asks for
Questions you could be asked
- Tell me about a project where portfolio analytics was part of your work. What did you do?
- Tell me about a project where credit policy was part of your work. What did you do?
- Tell me about a project where risk management was part of your work. What did you do?
- Tell me about a project where data analysis was part of your work. What did you do?
- Walk me through how you've used Sas in your day-to-day work.
Adapt your resume
- List these exact terms on your resume: Portfolio Analytics, Credit Policy, Risk Management, Data Analysis, and Sas. An applicant tracking system matches the wording, not the idea.
- Attach one line of real, concrete experience to at least one of them — a tool named with nothing behind it rarely survives a human read.
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