AVP, Portfolio Performance, Personal Banking First Abu Dhabi Bank FAB

Job Purpose:

This role will be responsible to manage the Portfolio Analytics function under Portfolio and Policy Governance to enable effective and meaningful analysis to drive via analytical tool and metrics to drive decision making on portfolio actions. Use of SAS toolset (SAS, SQL, VBA, Macros, R, Python, E-miner) to increase efficiency and align to overall banks strategic direction towards automation. Manage all reporting activities for Credit and Collections unit to Central Bank.

Key Accountabilities:

• Use analytics to provide insights into portfolio behaviour and various business segments to drive improvement in portfolios and identify high risk segments and opportunities. Provide analysis and recommendations from insights into customer profiling, customer behaviour and credit performance and devise solutions to acquire profitable portfolio by balancing risk and reward.

• Engage and work closely with key stakeholders to define and shape analytical reporting requirements, delivering tactical solutions and carrying out forecasts to deliver profitable growth. Automation of credit analytics using advanced techniques on SAS, SQL, VBA, Macros, R, Python, E-miner and other available tools.

• Manage monthly and quarterly portfolio reporting activities within the bank including reports to business heads and credit committees. Company level performance monitoring on monthly basis to be shared with policy team for review and actions.

• Portfolio reporting Annual forecasting for credit losses. Monitor and close tracking of key performance metrics related RAF, provisions, impairments etc. Quarterly reforecasting based on YTD actuals.

• Set up independent controls to monitor key risks associated, monitor test programs, triggers and ensure highlighting appropriately for timely action.

• Complete regulatory and internal reporting requirements on time. Ensure any data requirements from CBUAE are ensured within timelines provided.

• Ensure governance within the unit and ensure all audit items are closed on timely basis.

• Allocation of sample cases to Quality team based on well-defined metrics.

• Ensure all processes are documented.

• Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important to drive change.

• Mentor, motivate and help develop the skills of team members.

Specific Accountability

• Portfolio analytics
• Establish portfolio monitoring and reporting mechanism

Qualifications & Experience:

Minimum Qualification

• Bachelor s degree or equivalent.

Minimum Experience

• Experienced professional in Credit Analytics for minimum of 7 years
• Working knowledge of Portfolio monitoring, MIS reporting and regulatory reporting.
• Knowledge of Statistical and Analytics tools SAS, SQL, ORACLE etc
• Understanding of Credit Risk at a broad level and working knowledge of Retail Portfolios.