We're Hiring: Senior Credit Portfolio Specialist
Location: United Arab Emirates (Remote)
Employment Type: Full-Time
Experience Level: Senior
Work Arrangement: Fully Remote
About UsWe are a globally focused organization committed to supporting disciplined credit management, portfolio performance, financial risk management, and sustainable lending across diverse markets.
Our Credit, Risk, Finance, Treasury, Investment, Operations, Collections, Legal, and Commercial teams collaborate to monitor credit exposures, manage portfolio quality, identify emerging risks, optimize portfolio performance, and strengthen responsible financial decision-making.
The RoleWe are seeking an experienced Senior Credit Portfolio Specialist to lead credit portfolio monitoring, risk analysis, portfolio segmentation, concentration management, credit-performance reporting, portfolio strategy, and early-warning activities.
The ideal candidate will combine strong credit-risk expertise with advanced portfolio analytics and commercial awareness. The role will analyze portfolio trends, borrower performance, delinquency, probability of default, exposure concentrations, provisioning indicators, and risk-adjusted returns while working closely with Credit, Risk, Finance, Collections, Relationship Management, and senior leadership.
Key Responsibilities
- * Develop and maintain comprehensive credit portfolio-monitoring frameworks.
- Monitor overall portfolio quality, credit performance, risk trends, and emerging exposures.
- Analyze portfolio composition by product, customer segment, geography, industry, risk grade, tenor, collateral, and other relevant dimensions.
- Monitor outstanding balances, committed exposure, utilized exposure, undrawn commitments, and credit limits.
- Analyze portfolio growth and assess the risk implications of changes in portfolio composition.
- Monitor delinquency, arrears, defaults, restructurings, write-offs, recoveries, and non-performing exposures.
- Develop and maintain portfolio segmentation and risk-classification frameworks.
- Analyze borrower and facility-level risk information to identify portfolio trends and emerging concerns.
- Monitor internal credit grades, probability of default, loss-given-default, exposure-at-default, and other relevant credit-risk measures.
- Develop early-warning indicators to identify deteriorating borrowers, sectors, products, or geographic exposures.
- Track changes in borrower financial performance, liquidity, leverage, debt-service capacity, and repayment behavior.
- Conduct portfolio-level credit-quality reviews and identify material changes in risk profiles.
- Analyze concentration risk by borrower, group, industry, geography, product, collateral type, and risk category.
- Monitor large exposures and identify potential concentration-limit breaches.
- Conduct portfolio stress testing and scenario analysis under adverse economic and market conditions.
- Assess the potential impact of interest-rate changes, inflation, economic downturns, commodity movements, foreign-exchange changes, and sector-specific events.
- Develop portfolio sensitivity analyses to support risk-management and strategic decisions.
- Monitor portfolio performance against approved credit-risk appetite and portfolio targets.
- Support development and periodic review of portfolio risk appetite, limits, and concentration thresholds.
- Recommend portfolio-management actions based on risk trends, performance indicators, and market conditions.
- Support credit portfolio optimization initiatives balancing risk, return, growth, and capital requirements.
- Analyze risk-adjusted portfolio returns and identify opportunities to improve portfolio economics.
- Evaluate portfolio profitability by product, segment, customer, industry, geography, and risk category.
- Monitor pricing, margins, fees, capital consumption, expected losses, and other portfolio economics.
- Support credit-pricing and risk-based pricing analysis.
- Assess the impact of credit policy changes on portfolio quality, growth, profitability, and risk.
- Conduct portfolio analysis for new products, markets, customer segments, and lending strategies.
- Support portfolio acquisition, transfer, securitization, restructuring, and disposal analysis where applicable.
- Monitor credit-policy exceptions and assess their impact on portfolio risk.
- Identify recurring exceptions, policy trends, and areas requiring policy or underwriting adjustments.
- Work with Credit Underwriting teams to identify patterns in approval quality and portfolio outcomes.
- Partner with Collections and Recovery teams to analyze delinquency trends and recovery performance.
- Evaluate roll rates, cure rates, default rates, recovery rates, and loss trends.
- Analyze vintage performance and cohort-level credit behavior.
- Conduct migration analysis to monitor movement between credit-risk grades and delinquency categories.
- Develop portfolio dashboards covering credit quality, risk exposure, performance, concentrations, and early-warning indicators.
- Prepare regular credit portfolio reports for senior management, Credit Committees, Risk Committees, and other governance forums.
- Provide clear commentary explaining material changes in portfolio performance and risk.
- Escalate significant credit-risk developments, emerging concentrations, and potential breaches promptly.
- Support provisioning and expected-credit-loss analysis by providing portfolio trends, segmentation, and performance data.
- Work with Finance and Risk teams on expected-credit-loss assumptions, staging analysis, and portfolio-performance inputs where applicable.
- Support regulatory and management reporting related to credit portfolios.
- Ensure portfolio data is accurate, complete, timely, and appropriately controlled.
- Reconcile portfolio data across lending, risk, finance, collections, and reporting systems.
- Investigate data-quality issues and coordinate corrective actions.
- Maintain credit portfolio databases, analytical models, risk reports, and supporting documentation.
- Review portfolio models, risk indicators, assumptions, and analytical methodologies for accuracy and relevance.
- Support development and validation of portfolio risk models and monitoring methodologies.
- Coordinate with Model Risk and Quantitative Risk teams on model performance and portfolio analytics where applicable.
- Monitor changes in credit-market conditions, lending trends, regulatory requirements, and industry practices.
- Assess potential impacts of regulatory or policy changes on portfolio risk and performance.
- Support internal and external audits by providing portfolio analyses, reports, data, and supporting documentation.
- Ensure portfolio-monitoring activities comply with credit policies, risk frameworks, regulatory requirements, and internal controls.
- Identify opportunities to automate portfolio monitoring, reporting, segmentation, and early-warning processes.
- Improve portfolio analytics through data visualization, advanced reporting, statistical analysis, and automation.
- Support implementation and enhancement of credit-risk, loan-management, business-intelligence, and reporting systems.
- Develop portfolio-monitoring procedures, governance standards, escalation protocols, and documentation.
- Mentor junior credit-risk and portfolio-analysis professionals.
- Provide technical guidance on portfolio analytics, credit-risk measurement, and portfolio-performance analysis.
- Provide senior management with timely recommendations regarding portfolio quality, emerging risks, concentrations, and strategic opportunities.
Key Performance Indicators
- * Portfolio credit-quality performance
- Non-performing exposure ratio
- Default rate
- Delinquency rate
- Arrears rate
- Roll-rate performance
- Cure rate
- Recovery rate
- Net credit loss rate
- Portfolio loss rate
- Portfolio growth
- Credit exposure accuracy
- Portfolio risk-grade accuracy
- Risk-grade migration monitoring
- Probability-of-default monitoring
- Loss-given-default monitoring
- Exposure-at-default accuracy
- Early-warning indicator effectiveness
- High-risk exposure identification
- Concentration-limit compliance
- Large-exposure monitoring
- Industry concentration performance
- Geographic concentration performance
- Product concentration performance
- Credit-policy exception monitoring
- Portfolio stress-testing completion
- Scenario-analysis quality
- Risk-adjusted return performance
- Portfolio profitability
- Risk-based pricing performance
- Expected-credit-loss analysis accuracy
- Provisioning input accuracy
- Vintage-analysis completion
- Portfolio segmentation accuracy
- Portfolio reporting timeliness
- Portfolio reporting accuracy
- Data-quality performance
- Reconciliation accuracy
- Risk escalation timeliness
- Regulatory reporting compliance
- Credit-policy compliance
- Audit issue resolution
- Portfolio-management action completion
- Process-automation delivery
- Portfolio analytics improvement
- Stakeholder satisfaction
Ideal CandidateThe successful candidate should have strong experience in credit portfolio management, credit risk, portfolio analytics, commercial lending, banking, financial risk management, credit analysis, or portfolio strategy, preferably within a bank, financial institution, lending platform, asset manager, or other complex credit environment.
The candidate should demonstrate:
- Strong understanding of credit-risk and portfolio-management principles.
- Proven experience monitoring loan, credit, or lending portfolios.
- Strong knowledge of delinquency, default, loss, recovery, and portfolio-performance metrics.
- Experience analyzing borrower and facility-level credit information.
- Strong understanding of probability of default, loss given default, exposure at default, and related credit-risk measures.
- Experience developing portfolio segmentation and risk-classification frameworks.
- Strong knowledge of concentration risk and credit-limit monitoring.
- Experience conducting stress testing, scenario analysis, and sensitivity analysis.
- Strong understanding of portfolio risk appetite, credit policies, and lending controls.
- Experience analyzing portfolio profitability and risk-adjusted returns.
- Strong knowledge of credit pricing, margins, expected losses, and capital considerations.
