Credit Analysis

5 days ago


Riyadh, Saudi Arabia Bupa Arabia Full time

**Role Purpose**:
To lead analysis and reporting efforts across multiple credit risk functions, including credit strategy, KYC & customer verification, and chargeback operations while representing the Credit department on cross-functional teams working on strategic projects impacting data management and analytics.

**Key Accountabilities**:
**1-Credit Risk Analysis**:

- Analyze unique internal and external data to gain deep business knowledge and insight on customer activity and usage behaviors and their relationships with fraud and credit risk
- Identify trends, patterns, procedural and strategic opportunities that will improve loss prevention, detection results, and customer satisfaction.
- Evaluate, analyze and leverage a range of statistical measures to recommend, review and implement decisions that will have a positive impact on the P&L

**2-** Credit Policy & Procedures**:

- Conduct analysis of current and historic data (e.g. authorizations, write off data, chargebacks) to keep our systems and processes at the cutting edge of risk analysis
- Recommend adequate corporate/SME credit policy and procedures to close process gaps.

**3-** Systems and Reporting**:

- Analyze and enhance analysis tools to monitor portfolio credit risk and flag accounts for review
- Implement system enhancements continuously
- Produce regular management reports using proactive approaches

**4-People Management**:

- Utilize team capabilities, knowledge, and engagement to support Credit Dept main objectives and help team career development

**Skills**:

- Strong analytical and negotiation skills
- Excellent reporting skills
- Problem solver
- Excellent communication skills, English language
- Advanced Microsoft skills (Mainly Excel & Power Point)
- Confidence to deal with a range of stakeholders
- Expertise in manipulating and analyzing very large, complex, multi-dimensional data sets using SAS/SQL is a plus

**Education**:
Accounting, Finance, Statistics, Mathematics, Computer Science, Economics etc.


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