Manager – Portfolio Analytics

Organization Unit Purpose

Group Retail Risk is responsible for Retail Lending Credit Policies, Retail Credit Decisioning Framework & Analytics, Collections & Bureau Strategies and Retail Portfolio Monitoring and Risk Analytics (covering Personal Loans, Auto Loans, Credit Cards, Mortgages, Overdraft and Micro-SME).

Job Purpose

Part of the team of Analysts, Statisticians and Database Managers in devising, developing, and enhancing retail risk and portfolio MIS and analytical reports. Building Collections models using ML techniques, designing and implementing comprehensive actionable strategies.

Job Content

Preparing and handling the monthly provisions for the Emirates NBD Retail portfolio

Calculating the monthly Retail provisions using data extracts and SAS codes.

Reconciling the numbers across different systems and sources to ensure accuracy.

Intuitive deep dive to identify any discrepancies.

Liaising and managing any discrepancies with the Finance and IT teams.

End-to end handling of Loss Forecasting exercise

Liaising with product teams for volume budgets

Finalizing the loss forecast after considering various policy related factors and incorporating current portfolio trends.

Discussing the final numbers with senior management and getting the same approved

Validating the loss forecast model and tracking the actual against the plans.

Collections Models and Strategy

Development of relevant segmentation and scoring models which will be aimed at (and not limited to) improving collections efficiency or increasing cash collection.

Assisting in the implementation of these models on the collections floor and aligning the dunning strategies accordingly.

Monitoring and tracking the performance of the implemented models and effectiveness of the strategies rolled out.

Regular review and maintenance of the models with latest portfolio trends and alternate data points.

Portfolio and Risk performance monitoring and analytics for Emirates NBD Retail portfolio

Conduct detailed portfolio deep-dives to identify relevant patterns and concerning trends.

Leverage on AECB data to enrich portfolio monitoring and analytics.

Generating Credit Cards CLI and Retail X-Sell bases on agreed criteria and track pre and post performance.

Preparation of retail portfolio packs monthly with detailed segment level splits.

Education

Graduate or above.

Experiences

3 to 5 year’s experience

Knowledge & Skills

SQL, SAS, Power BI, Python and MS tools.

Behavioral Competencies

• Strong Analytical skills.
• Knowledge of retail asset banking products.
• Good problem solving and communication skills.
• Basic knowledge of collections workflows.