AVP Credit Risk Policy Analytics
RAKBANKUnited Arab Emirates5 days ago
Full-timeFinance, Sales
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Job Description
The Assistant Vice President (AVP), Credit Risk Analytics, will lead the development and execution of advanced credit risk strategies with a strong focus on policy analytics for retail lending products, particularly credit cards. This role is responsible for driving data-driven decision-making by leveraging deep expertise in credit risk, statistical modeling, and regulatory frameworks. The ideal candidate will bring over 10 years of experience in credit risk analytics, with a proven ability to design and implement complex logic using SAS or Python. The AVP will play a critical role in shaping credit policies, optimizing risk-reward trade-offs, and ensuring compliance with internal and external risk standards.
What You Will Do
Strategic
What you will bring:
The Assistant Vice President (AVP), Credit Risk Analytics, will lead the development and execution of advanced credit risk strategies with a strong focus on policy analytics for retail lending products, particularly credit cards. This role is responsible for driving data-driven decision-making by leveraging deep expertise in credit risk, statistical modeling, and regulatory frameworks. The ideal candidate will bring over 10 years of experience in credit risk analytics, with a proven ability to design and implement complex logic using SAS or Python. The AVP will play a critical role in shaping credit policies, optimizing risk-reward trade-offs, and ensuring compliance with internal and external risk standards.
What You Will Do
Strategic
- Drive the development and refinement of credit risk policies and strategies with data driven analysis to support profitable growth in retail lending, with a focus on credit cards
- Identify and evaluate emerging risk trends and portfolio dynamics to recommend proactive policy adjustments
- Partner with business and product teams to align risk strategies with growth objectives while maintaining portfolio quality
- Lead deep-dive analytics to uncover opportunities for segmentation, risk differentiation, and policy optimization
- Ensure credit risk policies and decision frameworks comply with internal governance standards and external regulatory requirements
- Support regulatory submissions and audits by providing robust analytical documentation and policy rationale
- Monitor changes in regulatory landscape and assess their impact on credit risk policies and practices
- Design and implement complex logic in SAS or Python to support credit policy execution, risk segmentation, and performance monitoring
- Conduct regular portfolio reviews, including delinquency, vintage, and loss rate analysis, to assess policy effectiveness
- Collaborate with underwriting, collections, and operations teams to ensure policy adherence and operational feasibility
- Develop and maintain dashboards and reporting tools to track key risk indicators and policy performance metrics
- Evaluate and validate pre-approved targeting strategies and recommend refinements based on risk-return analysis
- Optimize the use of analytical tools, data infrastructure, and team resources to deliver high-impact insights efficiently
- Contribute to the planning and prioritization of analytics initiatives to align with business goals and resource constraints
What you will bring:
- Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Data Science, or a related quantitative discipline
- Minimum of 10+ years of experience in credit risk analytics, with a strong focus on policy analytics and retail lending products (especially credit cards)
- At least 3–5 years in a leadership or senior individual contributor role, managing complex analytical projects and influencing credit policy decisions
- Proven experience in developing, implementing, and monitoring credit risk strategies and policies
- Hands-on expertise in SAS and/or Python for data analysis, modeling, and automation of credit decision logic
- Strong understanding of credit lifecycle, risk segmentation, and performance monitoring in retail banking
- Proficiency in Power BI for building dashboards and visualizing portfolio performance and risk metrics
- Familiarity with regulatory frameworks and risk governance practices in the financial services industry
- Demonstrated ability to translate complex data into actionable insights and communicate effectively with senior stakeholders
- Highly motivated, self-driven, and capable of working independently in a fast-paced, dynamic environment
- Strong interpersonal skills with the ability to influence and collaborate across cross-functional teams.
Key Skills
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