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UAE National - Credit Risk Analyst | Al-Futtaim Finance | Dubai

2.00 to 6.00 Years   Dubai, United Arab Emirates   11 Jun, 2022
Al Futtaim Group
1 Jobs Openings
Job LocationDubai, United Arab Emirates
EducationNot Mentioned
SalaryNot Mentioned
IndustryAccounting
Functional AreaNot Mentioned

Job Description

The Credit Risk Analyst will support in the Risk Management of Captive Finance and In-house Finance (IHF) Credit RiskAssessment functions. The person will be responsible for Portfolio Analytics and Underwriting for various Al-FuttaimAutomotive portfolio. The job role will also involve escalation of cases which are beyond the delegated authority ofperson. Similarly, the person would receive escalation cases from levels below him.Job Responsibilities

  • Support in development of a Credit Risk Framework (Risk Policy Guidelines, Policy Renewal Program, PortfolioCredit Management, Risk Process) for all segments (within UAE) and markets (across GCC)
  • Performing detailed analytics (analysis of underwritten portfolio along with analysis of collections data).
  • Create Risk reporting dashboards for various segments and countries
  • This role will be actively involved in the underwriting process for IHF/Captive Finance
  • Proactively monitor key credit risk metrics relating to product, channel, exceptions and vintage performance
  • Document performance versus risk profiles and thresholds
  • Provide suggestions for improvement
  • Risk Management and reporting Underwrite Credit Cases
  • Prepare Credit Appraisal reports for large value cases
  • Risk management of residual values
  • Supporting governance of residual values
  • Maintenance of Risk Register
  • Support Risk Reporting for all customer segments
  • Manage annual policy review and portfolio thresholds
  • Ensure the understanding and acceptance of Risk criteria and KPIs at each level
  • mplement and Monitor Credit Delegation frameworkin line with Group / Risk requirement
  • Regular Process of Risk reporting for all segments and markets
  • Create and Manage Training program for enhancing capabilities and improved risk decision making
  • Support development of technology infrastructureincluding deployment of IT system and support in itsdevelopment / enhancementGovernance, Control, and Risk
  • Understanding of Auto financing in GCC
  • Understand technical/regulatory matters affecting thebusiness.

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