Key Responsibilities:
Generic Responsibilities
- Assist in enhancing the efficiency and effectiveness of the workflow.
- Act as a checker and participate in team evaluations, providing feedback as needed.
- Monitor a small group of employees with lower or same seniority (if applicable).
- Participate in quarterly RSCA sample reporting.
- Provide periodical analytical reports according to established timelines.
Key Responsibilities
- Prepare business models and plans for Consumer Risk.
- Review and analyze business performance on the bank’s different products using data mining and analytics tools to generate reliable reports related to business performance analysis.
- Prepare the needed reports that are used to monitor and analyze the performance of the business in details, to prepare the models for acquisitions, sales, runoffs, attritions and balances.
- Participate in the development of credit models for portfolio management, including the following points:
- Identification of Concentration Risks
- Dynamics of Credit Portfolios
- Economic Capital and Risk Control Calculation (i.e. PD, LGD & EAD)Optimization of Risk/Return Profile
- Portfolio Rebalancing
- Best Risk Management Practices
- Carry out enhancements in data quality and model building, work on providing solutions in a proactive manner and deal with IT implementation issues in a timely manner.
- Propose alternative solutions to complex and unique challenges and execute to completion
- Ensure all reporting requirements are produced and delivered to recipients within agreed SLAs and raise recommendation.
- Maintain an updated management information base to be useful to provide the business with information for use in decision-making and policy matters.
- Identify and work on correcting any weaknesses during assessments, audits or examinations carried out by internal and external auditors, Compliance, regulators or Sharia.
- Recommend solutions to complex and unique challenges and cooperate with Credit Policy in delivering exceptional customer experience.
- Maintain coordination with Finance to provide accurate and timely disclosure submissions in quarterly and annual reports.
- Maintain updated model/scorecard related documentation.
- Participate in User Acceptance Testing (UAT) and review the results to ensure correct implementation.
- Handle received complaints in cooperation with Consumer Rights Protection – Compliance & Governance, adhering to established policies, procedures and SLAs.
Qualifications:
Minimum Qualifications
Minimum Experience:
- Analyst: 1-3 years of relevant experience, preferably banking
- Senior Analyst: 3-5 years of relevant experience, preferably banking
Job-Specific Knowledge & Skills:
- Very good knowledge of Bank functions, responsibilities & processes.
- Very good analytical skills.
- Very good presentation and negotiation skills.
- Excellent command of MS Office (Word, Excel).
Personal Skills
- High level of professionalism and self-motivation.
- Very good problem solving skills.
- Excellent teamwork, communication and time management skills.
