Senior Manager Retail Credit Portfolio Management

2 weeks ago


Riyadh, Saudi Arabia البنك السعودي الفرنسي Full time

The Senior Manager of Retail Credit Portfolio Management is responsible on all activities pertaining to Retail Credit Portfolio Management.
- This role analyses the full credit life cycle from origination, through collection to write off and recovery, using various risk indicators and early warning reports; such as significant incident rate, delinquency monitoring, vintage analysis, and segmentation, and consequently generate a comprehensive MI Pack of reports on monthly basis.
- The role also includes the responsibility of managing and monitoring various models and scorecards relevant to retail credit.
- Ensuring healthy and well performing credit portfolio, and thus responsible in defining and monitoring of risk appetite, and various caps on portfolio, products, segments as needed.
- Management of schemes including enrollment, upgrade, downgrade, segmentation and monitoring of schemes performance.
- Prepares risk recommendations to senior management in order to implement relevant actions which will ensure a proper control of risk. Maintains and enhances provisioning models through quantitative technics, besides managing and monitoring of various models and scorecards relevant to retail credit.
- Be a stakeholder in programs, projects implementation related to retail credit activities.
- Manages all activities of Retail Credit Risk Portfolio functions and ensures the full credit life cycle analyses are complete.
- Be the Retail Credit Portfolio representative with other business lines.
- Maintains the quality and delivery of required tasks.
- Ensures the staff training and development, proposes specified development programs as well as overseeing the continues in-house staff enrichment.
- Provides analytical support segmenting and monitoring credit, concentration limits, etc. and makes recommendations in order to take decision as needed.
- Makes strategic recommendations to ensure a proper control of risk.
- Controls and optimizes the portfolio quality.
- Production of a comprehensive MI Pack.
- Submission of regulatory reporting.
- Provides analytics support for portfolios on needed basis.
- Monitoring and defining risk appetite, and various caps on portfolio, products, segments as needed.
- Leads and supports team to develop and maintain analysis reports.
- Manage and monitor schemes management activities.
- Scorecard monitoring:

- Recommends proper action to ensure optimal decisions from scorecards (modification of cut-off strategies, recalibration, redevelopment and etc.)
- Shares the summary models with the Management to implement suggested modifications.
- Oversee models pertaining to IFRS9 provisioning in liaison with Risk Strategy Division.
- Modifies and re-develops existing models as and when required (PD, LGD, EAD).
- Modifies and enhances the existing Retail DataMart (SAS) in interacting with IT to ensure data quality and consistency with other Business line.
- Be involved with ongoing projects and systems development activities that are impacting the retail credit process and data.
- Miscellaneous duties/projects as assigned.

**المهارات**:

- Bachelor degree in Business Administration, Financial Services, Accounting or Economics
- 8+ years of experience in the similar field
- Minimum 6 years of management experience in banking environment
- High level of IT skills
- Good knowledge of programing languages SQL, Java etc.
- Knowledge of business analytics.
- Ability of resolve problems, be capable of thorough research, and develop alternatives and solutions.
- Ability to effectively communicate with Business and IT
- SAS, SQL, Data tools
- Business analysis and visual reporting.



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