Associate - Unsecured Policy

Role: Associate - Unsecured Policy

Location: Sharjah

This role is for fresh UAE National Graduates only.

Role purpose:

• Assisting retail credit policy function and portfolio to ensure process is being managed well. 

• The job requires ensuring end-to-end oversight into the credit cycle from sourcing, credit approval to collections for maintaining a healthy portfolio.

Key Accountabilities of the role:

Responsibilities:

• Ensure Post Approval Review is conducted as per approved process and there are no breaches on local and internal regulations.

• Ensure Daily Disaster Report is reviewed and any breaches of local and internal regulations and highlighted.

• Ensure adherence and effective updates and tracking of policy changes and tests for product performance assessment. Maintain a lot of all policy changes.

• Ensure clear communication with all relevant units and documentation of all credit policy decisions.

• Ensure that approved delegation and deviation matrix are in place.

• Complete policy dept. RCSA in timely manner and ensure testing is performed for all policy functions in line with approved processes. 

• Analyze MIS to ensure quality of the portfolio with regards to risk and validate appropriateness of credit policies, as well as to monitor impact of changes in credit policies.

• Ensure coordination with IT Team for developing policy parameters and logics for automation of different data reports.

• Perform other duties or responsibilities that are assigned by the management. 

• Collection review for top delinquent accounts recently for recently booked applications and understanding drivers of delinquency

• Portfolio review- have basic knowledge of Portfolio mix, Expat vs UAE, TML vs NTML, Salary transfer vs non-Salary transfer and basic understanding of performance metrices.      

Specialist skills / technical knowledge required for this role:

• Preferably some internships are not necessarily in Banking sector

• Minimum of Bachelor’s degree

• Communication skills and Finance academic background

Previous experience:   

• Fresh UAE Nationals Graduates