Head of Credit & Portfolio

Client of RemoteOne

Portfolio Performance & Risk Management:

• Own portfolio performance including growth, yield, risk, and profitability

• Monitor delinquency metrics (PAR30/60/90), default rates, recovery rates, and loss ratios

• Control exposure limits, sector concentration, and customer limits

• Design segmentation strategies (insured vs uninsured portfolios)

• Optimize pricing based on risk behaviour and portfolio performance

• Implement early warning and default prevention mechanisms

Collections & Recovery Management:

• Design and implement collections strategies including soft, hard, and legal collections

• Set dunning cycles, escalation policies, and restructuring frameworks

• Manage overdue portfolio and settlement decisions

• Coordinate with legal teams for recovery and enforcement actions

• Define write-off policies and recovery procedures

• Monitor collection team performance and recovery KPIs

Funding, Yield & Cost Optimization:

• Optimize cost of funds across lenders and insurers

• Balance insurance coverage vs expected credit loss

• Own unit economics of the lending product

• Monitor borrowing base calculations and facility utilization

• Work with finance team on pricing, margin adequacy, and profitability

Bank & Institutional Relationships:

• Manage relationships with banks, lenders, and institutional funding partners

• Negotiate financing facilities, warehouse lines, and structured programs

• Present portfolio performance to lenders and investors

• Maintain lender confidence and reporting obligations

Regulatory & Compliance Oversight:

• Ensure adherence to UAE financial regulations and lender requirements

• Work with Compliance & Risk Officer on AML/KYC policies

• Support credit governance, approval matrices, and credit committees

• Oversee audits, due diligence, and regulatory reporting