Manager - Retail Credit Risk - Start Immediately

What you will do:

• Assist on Post Approval Review and Post Mortem Review for Digital Banking and Retail Banking.
• Assist on monitoring the Digital Banking portfolio performance and highlight the same on proactive basis to senior management.
• Assist on identifying signs of stress in the Digital Banking portfolio and business environment & initiate necessary policy revisions.
• Assist on assessing and identifying risks in business as usual activities, external market influences and key projects.
• Assist on supporting teams across Digital Banking in driving a risk based culture through using common language, tools and disciplines and championing risk initiatives and change.
• Assist in development and implementation of credit risk measurements for Digital Banking.
• Build a culture of risk awareness, identification, disclosure and set up necessary enabling processes for sustaining such a framework and environment.
• To conduct post approval review and post mortem review on digital banking and retail financing application. To escalate to relevant stakeholders for process improvement and any material finding to report to relevant parties/committee on the result of the review.
• Assist on updating of Digital Baking credit policy, guideline and procedure which has been approved by ERMC, BRMC and Board for business to operate.   
• Assist to provide clarification to business on the Digital Banking credit policy and guideline within acceptable timeline in case if any ad–hoc clarification required. 
• Assist to provide feedback on review and enhancement of the Digital Banking credit policy, guideline and procedure to ensure the Bank will stay competitive in the market. 
• Maintain close interactions with internal stakeholders on all matters especially on comments / recommendations made to the Digital Banking credit policies and guidelines.
• Maintain active participations in all forums/discussions which require Risk involvement. 
• Assist in implementing any relevant initiatives and directives coming from KSA Head Office.
• To establish capping for Digital Banking exceptional approval applications (if any).
• To monitor Digital Banking exceptional approval applications (if any).
• Assist to obtain necessary information via empirical data and conducting market / industry survey prior to any recommendation / objection of Digital business initiatives and tie–ups.
• Assist to identify the risk and rewards trade–off of all the major product groups to ensure that the degree of risk associated with the product is appropriate to the expected potential return.  
• Assist in providing the necessary input in improving the relevant process at any touchpoint in the entire Digital Banking credit cycle.
• Assist in reviewing and validating application scorecard and policies with vendor and managing the application scorecard project with stakeholders and vendor throughout the project lifecycle (if any).
• Assist to prepare training materials as and when required.
• Assist in the execution of various ad-hoc risk related reporting, assignments and projects to strengthen risk management capabilities.
• Provide support and assistance on matters pertaining to Digital Banking credit and risk management related assignments.
• Participate in process/system enhancements and digitalization projects, if any.