Assistant Vice President – Retail Risk Analytics, Risk Management

🕒 July 26

🇮🇳 India – Remote

⏰ Full Time

🔴 Lead

🔒 Insurance

👻 Ghost score 37%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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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

• Lead the development, validation, implementation, and governance of credit risk models, scorecards, and portfolio analytics for retail portfolios • Design and enhance credit risk modelling frameworks using scorecards and statistical or analytical techniques • Monitor, document, and communicate model performance, assumptions, limitations, and validation findings • Perform model monitoring, backtesting, periodic recalibration, and model validation/testing • Recommend model redevelopment or enhancement based on portfolio trends, data drift, and emerging risk patterns • Support Basel regulatory reporting, including RWA estimation and model-related submissions • Lead or support IFRS 9 ECL modelling, staging, macroeconomic overlays, scenario-based loss estimation, stress testing, and climate risk analysis • Deploy credit risk models into production systems and rating platforms in collaboration with IT and data teams • Support the design and implementation of credit risk strategies and decision rules • Establish model governance practices, documentation, audit trails, and regulatory compliance • Establish MLOps standards for model deployment, monitoring, versioning, and performance tracking • Develop insights on portfolio quality, risk trends, and early warning indicators • Collaborate with policy, finance, business, IT, data, validation, audit, compliance, and regulatory stakeholders • Communicate model performance and risk insights to senior management and risk committees • Mentor junior analysts and contribute to building the credit risk modelling team

🎯 Requirements

• 10–12+ years of experience in credit risk modelling within retail banking or financial services • Deep expertise in statistical modelling, machine learning, and large-scale data analysis • Strong expertise in credit risk modelling techniques, including PD, LGD, EAD, scorecards, and segmentation approaches • Proven experience in IFRS 9 ECL modelling and Basel frameworks • Strong knowledge of model lifecycle management, including development, validation, deployment, and monitoring • Advanced technical skills in SAS, SQL, and Python/R • Experience working with large datasets and data platforms such as Hadoop or equivalent • Proven track record of building, deploying, and maintaining production ML models with real-time or near-real-time decisioning systems • Experience with credit risk strategy development and portfolio analytics • Familiarity with decision systems or rule engines is advantageous • Experience with MLOps tooling such as MLflow or similar platforms is highly desirable • Degree in a quantitative discipline such as Statistics, Mathematics, Actuarial Science, or Economics • Strong stakeholder management and communication skills • Ability to translate quantitative outputs into practical business and risk decisions

🏖️ Benefits

• Remote work (RW) • Opportunity to work for a leading financial institution in MENA • Diverse and dynamic team environment • Professional certifications such as FRM or CFA are highly desirable (not a benefit, but noted as a career qualification)