AVP Credit Risk Policy Analytics at RAKBANK

, , United Arab Emirates -

Full Time

Start Date

Immediate

Expiry Date

10 Jun, 26

Salary

0.0

Posted On

12 Mar, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Analytics, Policy Analytics, Retail Lending, Credit Cards, Statistical Modeling, Regulatory Frameworks, SAS, Python, Credit Policies, Risk-Reward Trade-offs, Data-Driven Decision-Making, Segmentation, Risk Differentiation, Portfolio Reviews, Power BI, Risk Governance

Industry

Description

The Assistant Vice President (AVP), Credit Risk Analytics, will lead the development and execution of advanced credit risk strategies with a strong focus on policy analytics for retail lending products, particularly credit cards. This role is responsible for driving data-driven decision-making by leveraging deep expertise in credit risk, statistical modeling, and regulatory frameworks. The ideal candidate will bring over 10 years of experience in credit risk analytics, with a proven ability to design and implement complex logic using SAS or Python. The AVP will play a critical role in shaping credit policies, optimizing risk-reward trade-offs, and ensuring compliance with internal and external risk standards. What you will do: Strategic * Drive the development and refinement of credit risk policies and strategies with data driven analysis to support profitable growth in retail lending, with a focus on credit cards * Identify and evaluate emerging risk trends and portfolio dynamics to recommend proactive policy adjustments * Partner with business and product teams to align risk strategies with growth objectives while maintaining portfolio quality * Lead deep-dive analytics to uncover opportunities for segmentation, risk differentiation, and policy optimization Regulatory * Ensure credit risk policies and decision frameworks comply with internal governance standards and external regulatory requirements * Support regulatory submissions and audits by providing robust analytical documentation and policy rationale * Monitor changes in regulatory landscape and assess their impact on credit risk policies and practices Operational / Analytical * Design and implement complex logic in SAS or Python to support credit policy execution, risk segmentation, and performance monitoring * Conduct regular portfolio reviews, including delinquency, vintage, and loss rate analysis, to assess policy effectiveness * Collaborate with underwriting, collections, and operations teams to ensure policy adherence and operational feasibility * Develop and maintain dashboards and reporting tools to track key risk indicators and policy performance metrics * Evaluate and validate pre-approved targeting strategies and recommend refinements based on risk-return analysis Budget & Resource Management * Optimize the use of analytical tools, data infrastructure, and team resources to deliver high-impact insights efficiently * Contribute to the planning and prioritization of analytics initiatives to align with business goals and resource constraints What you will bring: Education: * Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Data Science, or a related quantitative discipline Experience: * Minimum of 10+ years of experience in credit risk analytics, with a strong focus on policy analytics and retail lending products (especially credit cards) * At least 3–5 years in a leadership or senior individual contributor role, managing complex analytical projects and influencing credit policy decisions * Proven experience in developing, implementing, and monitoring credit risk strategies and policies * Hands-on expertise in SAS and/or Python for data analysis, modeling, and automation of credit decision logic * Strong understanding of credit lifecycle, risk segmentation, and performance monitoring in retail banking * Proficiency in Power BI for building dashboards and visualizing portfolio performance and risk metrics * Familiarity with regulatory frameworks and risk governance practices in the financial services industry * Demonstrated ability to translate complex data into actionable insights and communicate effectively with senior stakeholders * Highly motivated, self-driven, and capable of working independently in a fast-paced, dynamic environment * Strong interpersonal skills with the ability to influence and collaborate across cross-functional teams.

Responsibilities

The Assistant Vice President will lead the development and execution of advanced credit risk strategies, focusing heavily on policy analytics for retail lending products like credit cards to support profitable growth. This involves identifying emerging risk trends, recommending proactive policy adjustments, and ensuring alignment between risk strategies and business growth objectives.