Assistant Manager – Credit Policy

🔥 0 minutes ago

🇮🇳 India – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

👻 Ghost score 10%

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Mashreq

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1967

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Mashreq is a leading financial institution based in the UAE, offering a wide range of banking services including personal, corporate, and investment banking. The bank focuses on providing innovative financial solutions to its customers and has a strong digital banking presence.

📋 Description

• Provide analytical inputs for managing the Product Program for UAE (all emirates), IBG, and other geographies as operations expand • Perform portfolio analytics to identify risk and growth areas and facilitate policy changes • Analyze product tests to explore growth segments and conduct portfolio stress tests and risk-based segmentation • Monitor portfolio growth and direction and generate MIS for outcomes • Support automation of credit policies and lending parameters • Prepare complete UAT test scripts, test required development, and review and recommend updates to maximize automation and reduce manual intervention • Review existing systems and highlight discrepancies between existing and approved policies • Support the Policy Manager and collaborate with Collections and Recovery to develop procedures and strategies for curing bad credits and enhancing underwriting standards • Monitor portfolio quality by analyzing available data • Develop implementable solutions for asset quality issues in acquisition and existing retail asset portfolios • Assist with policy preparation and modification based on market requirements and portfolio performance • Draft policies and guidelines for product programs, new launches, and target segments • Track system change requests, liaise with relevant units, and improve risk management • Ensure policy implementation is completed within approved timelines and highlight exceptions for approval • Liaise with the Retail Risk team to ensure data availability for comprehensive reporting • Collaborate with Collections and the Credit Initiation Unit to improve policy implementation • Submit MIS reports to internal departments and external agencies within stipulated deadlines

🎯 Requirements

• 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