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Covered Card Policy Officer

1.00 to 10.00 Years   United Arab Emirates   07 Jun, 2022
Abu Dhabi Islamic Bank
1 Jobs Openings
Job LocationUnited Arab Emirates
EducationNot Mentioned
SalaryNot Mentioned
IndustryOther Business Support Services
Functional AreaNot Mentioned

Job Description

Role : Covered Card Policy OfficerLocation : ADIB DubaiRole Purpose:The job holder is responsible for working closely with Policy Head to ensure that the ADIB lending criteria for Covered Card products are in line with the budgeted specific provision targets set by the business. The job holder work closely with team to ensure that all key portfolio quality metrics are monitored on regular basis and the key business stake holders are kept informed through regular meetings. Should also support the business in meeting their revenue, new booking and ENR targets. Should also ensure that strong governance & controls are in place.Key Accountabilities of the role

  • Work closed with policy head to ensure that clear policy guidelines and frame work are in place for all retail products.
  • Ensure that lending parameters are constantly refined and fine-tuned in line with the changing macro-economic conditions.
  • Responsible for tracking the mandate & scales and portfolio caps.
  • Responsible for ensuring policy guidelines are reviewed and approved on annual basis.
  • Ensure that approved delegation matrix in place and it is reviewed annually.
  • Ensure that the business stakeholders are regularly updated on the portfolio performance by providing update on key portfolio metrics and trends
  • Ensure that credit scoring models and tools used are constantly validated & refined.
  • Should work with Portfolio Management team in developing IFRS9 / Scorecard models.
  • Work with underwriting team in automating the policy rules.
  • Ensure that unit has proper governance and controls in place.
  • To ensure that all policies and frameworks are in line with local regulations and compliance requirement.
  • Manage and develop the team members.
Specialist Skills / Technical Knowledge Required for this role:
  • Aptitude to learn the retail banking function.
  • Good Analytical blend of aptitude to understand the portfolio performance.
  • Good interpersonal skills and stake holder management
  • Good analytical skills and computer knowledge.
  • Audit experience will be an added advantage.
Previous experience:
  • Bachelor Degree from reputed institution (Post graduation degree will be an added advantage).
  • 2 years of work experience will be an added advantage.
  • For UAE Nationals ONLY

Keyskills :

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