Manager Credit Policy Analysis.Credit Management MBP

AI in this role

Assess retail lending applications, manage credit policy implementation, and oversee digital journey configuration.

loan-origination-systemsdecision-engines

credit-riskportfolio-monitoringregulatory-reportingunderwritingfinancial-analysis

Job Purpose

To assess and approve/recommend retail lending applications in accordance with the Bank's Credit Policy, Risk Acceptance Criteria, Product Program Guide, regulatory requirements, and delegated lending authority while maintaining an appropriate balance between portfolio growth and credit quality.

Key Result Areas

Preparation and management of MIS, portfolio monitoring, and management reporting.
Supporting Credit Policy implementation, maintenance, and digital journey configuration/coding.
Managing Credit Bureau reporting and reconciliation activities.
Preparing and coordinating SBP regulatory reporting requirements.
Acting as a key liaison between Business, Technology, Operations, Risk, Analytics, and external stakeholders for journey implementation, policy changes, and process enhancements.
Supporting UAT, process automation initiatives, change requests, and ongoing optimization of digital credit journeys.
Maintaining process documentation, governance requirements, controls, and audit readiness.
Providing operational support for new product launches while ensuring adherence to policy and regulatory requirements.

Knowledge, Skills and Experience

Qualifications
Competency

•    Bachelor's degree, Masters Preferred.    •    Analytical thinking
    •    Attention to detail
Experience
    •    Risk awareness
•    4–6 years in Retail Credit (Underwriting, Analytics, Policy)     •    Decision making
•    Experience in Credit Cards and Personal Loans     •    Integrity
•    Experience with automated decision engines preferred     •    Communication skills
•    Knowledge of Credit Bureau assessment     •    Time management
•    Digital banking experience preferred.
•    Bureau and SBP Reporting    Technical Skills

•    Analytics    •    Financial analysis
    •    Credit risk assessment
    •    Credit bureau interpretation
    •    Fraud awareness, Loan Origination Systems and Decision Engines

How we rate this

Manager Credit Policy Analysis.Credit Management MBP 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.

Classification

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

Credit RiskPortfolio MonitoringRegulatory ReportingUnderwritingFinancial AnalysisLoan Origination SystemsDecision Engines

Questions you could be asked

Tell me about a project where credit risk was part of your work. What did you do?
Tell me about a project where portfolio monitoring was part of your work. What did you do?
Tell me about a project where regulatory reporting was part of your work. What did you do?
Tell me about a project where underwriting was part of your work. What did you do?
Tell me about a project where financial analysis was part of your work. What did you do?

Adapt your resume

List these exact terms on your resume: Credit Risk, Portfolio Monitoring, Regulatory Reporting, Underwriting, and Financial Analysis. 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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