Senior Manager - Retail Credit Portfolio Management

ADCB Abu Dhabi Commercial Bank Abu Dhabi, UAE Posted 3 days ago Expires in 2 months

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About the Business area:

The Credit Group, within the Corporate & Investment Banking Group (CIBG), oversees corporate credit risk management, including Strategic Clients and Government Banking Division, Financial Institutions Division, and Corporate and Mid-Market Banking segment of the Business Banking Group. It envelops and implements systems and procedures for the identification, assessment, measurement, monitoring, and control of credit risk, aligning with the bank's overall Risk framework and Risk Appetite policy

In this role, your key responsibilities include

• To lead the implementation of credit policies and related credit procedures for retail asset products, reviewing and identifying areas that need update and adjustment to ensure alignment with the Bank’s risk appetite and regulatory requirements and to effectively manage the portfolio for optimum credit risk-return yield and growth.
• Manage the development of new/updated procedures and oversee the implementation of credit policies for retail asset products by factoring market trends, business plans and risk appetite of the Bank in order to build a sustainable and profitable portfolio
• Analyse used current credit and risk management tools, such as statistical scorecard for new business sourcing and stress testing of the portfolio, comparing against departmental feedback and best industry practice
• Review reported risk indicators, monitor the portfolio performance, identifying and reporting on appropriate policy measures that mitigate the loss during risk events and at the same time leverage the business opportunities during favourable times in order to maintain an optimum risk-return balance in retail asset portfolio on an ongoing basis
• Implement approved departmental policies, processes and procedures, and ensure employee adherence so that work is carried out to the required standard while delivering the required standards of service to customers and stakeholders

The ideal candidate should have the following experience:

• At least 7 years of credit risk management experience in a financial institution, with 2 years in a team management role
• Bachelor’s Degree in Finance or similar field
• Sound knowledge of Banking and asset products
• Knowledge of credit and risk management tools
• Analytical and logical reasoning skills
• Good negotiation skills Intermediate MS Office – Word, Excel and PPT skills
• Must have Policy Process, Underwriting and collections experience.
• E xperience with digital processes- Digitization/Digital Journey
• Governance strategy

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