Senior Manager, Credit Policy – Mashreq Global Network

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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

• Responsible for lending/financing Policies / Framework for specific products in UAE. • Author and manage the credit criteria and Risk Asset Acceptance Criteria for specific products. • Responsible for portfolio quality and portfolio management strategy by defining retail credit policy / lending / financing parameters. • Achieve the planned risk charge for retail products by ensuring quality acquisitions, by working with underwriting units to improve lending criteria from time to time, making them digital friendly, and by initiating portfolio measures to improve / stabilize flow rates on a continual basis. • Update and maintain Retail Credit Policy Manual which is the framework for the individual Product programs. • Ensure all retail credit policies are aligned with the strategies’ orientation and target segment that the bank wants to grow. • Ensure product programs in UAE for the products are aligned and standardized and are within the retail banking lending framework. • Comprehensive review of the portfolios in UAE on an ongoing basis.

🎯 Requirements

• Master’s degree (M.Sc.) or Ph.D. (or equivalent) in Mathematics, Statistics, Data Science, Computer Science, Economics, or related quantitative discipline from a reputed institution. • Minimum 8–10 years of experience in banking / financial services with strong exposure to credit risk analytics, retail risk management, and policy formulation, preferably in unsecured lending portfolios. • Strong foundation in statistical modeling, machine learning, and advanced analytics applied to credit underwriting, scorecards, and portfolio management. • Advanced proficiency in Python / R / SAS / SQL for data analysis and model development. • Strong expertise in data visualization tools such as Power BI and Tableau. • Deep understanding of retail credit risk frameworks, portfolio dynamics, and regulatory requirements (including Central Bank guidelines).

🏖️ Benefits

• Compliance with Central bank Regulations • Ability to integrate AI-driven insights into business strategy • Strong stakeholder management and communication skills