AVP, Portfolio , Personal Banking

Job Purpose

This role will manage the Portfolio Analytics function under Portfolio and Policy Governance to enable effective and meaningful analysis, driving decision‑making on portfolio actions. The position will use SAS, SQL, VBA Macros, R, Python, and E‑miner tools to increase efficiency and align with the bank’s strategic direction toward automation. Responsibilities include managing all reporting activities for the Credit and Collections unit to the Central Bank.

• Use analytics to provide insights into portfolio behaviour across business segments, identify high‑risk segments and opportunities, and improve portfolios.
• Provide analysis and recommendations from customer profiling, behaviour, and credit performance to devise solutions that balance risk and reward.
• Engage with stakeholders to define analytical reporting requirements, deliver tactical solutions, and carry out forecasts for profitable growth.
• Automate credit analytics using advanced techniques.
• Manage monthly and quarterly portfolio reporting, including reports to business heads and credit committees.
• Monitor company‑level performance monthly and share with the policy team for review and action.
• Prepare annual forecasting for credit losses, monitor key performance metrics (RAF, provisions, impairments), and conduct quarterly re‑forecasting based on year‑to‑date actuals.
• Set up independent controls to monitor key risks, manage test programs and triggers, and ensure timely highlighting for action.
• Complete regulatory and internal reporting requirements on time; ensure data requirements from CBUAE are met within timelines.
• Ensure governance within the unit, close audit items promptly, allocate sample cases to the quality team, and document all processes.
• Work effectively in a team environment, collaborate, adapt to drive change, and mentor and coach team members.

• Establish portfolio monitoring and reporting mechanisms.

• Minimum qualification:
  
  Bachelor’s degree or equivalent.
• Minimum experience:
  
  At least 7 years as a professional in Credit Analytics, with knowledge of portfolio monitoring, MIS reporting, and regulatory reporting.
• Proficiency in statistical and analytical tools: SAS, SQL, Oracle, etc.
• Broad understanding of Credit Risk and working knowledge of retail portfolios.