Credit Risk Analysit

Job Description

• Perform analysis on quality of portfolio, monitor, and assess active accounts to reduce or prevent bad debt losses.
• Identify early warning signals and emerging risks, and propose actions to effectively control risk within company policy and regulations.
• Analyze the unsecured lending portfolio and continually optimize risk strategy for fraud, and collection.
• Oversight of policy and governance framework, practices and standards to ensure effective risk management and foster the company’s potential to meet its sales
• To monitor and evaluate performance indicators of the portfolio and study the trends for business growth, product acceptance, product cycle stage, and risk levels.
• To review the credit portfolio and propose appropriate corrective measures are initiated so as to ensure that overall business plan objectives are met and advise management through timely reports.
• To evaluate the credit process flow to identify opportunities for improvement and coordinate the implementation of the corrective tools.
• To monitor and review loan officer productivity levels and advise Commercial and Operations for appropriate action.
• To supervise the accomplishment of the risk exposure and authorization limits and generate periodic reports on results.
• To provide advice about the credit processes as required, verifying that the approved policies and norms are applied.
• To improve the effectiveness of the collections and recovery processes through proper segmentation and transactional analysis tools.
• Conduct monthly risk incentive calculation and take the necessary approval before execution.

Job Requirements

• Bachelor of Business Administration, commerce, economics Prior
• 1-3 years of experience in lending operations or Bank.
• Fluency in both spoken & written English & Arabic language is required. 
• Background in financial analysis with statistics is preferable.
• Proficiency in Microsoft office 
• Analytical Thinking Skills 
• Results Driven (results based on specific efficiency and productivity KPIs within predefined time frames)  Advanced statistical skills, Credit Risk Modeling/Analysis, Data Mining, Financial knowledge. 
• Knowledge of Portfolio Risk / Management within financial business. Clear understanding of portfolio risks related to delinquency trends. 
• Knowledge of market and operational risks. 
• Background in financial analyses and legal and regulatory framework 
• Developing and Supporting the Team (Actively improves others’ skills, cooperate effectively, diplomatic conflict handler). 
• Integrity (Mutual trust, consistent with company ethics and values)