Associate - Unsecured Policy

Tanqeeb; Abu Dhabi; On-site; AED 67,000 - 112,000; Full time

Job summary

Tanqeeb in Sharjah is seeking an Associate - Unsecured Policy for fresh UAE National Graduates. You will assist the retail credit policy function, oversee the end-to-end credit cycle from sourcing to collections, and coordinate policy changes with cross-functional teams.

The role requires strong communication and finance knowledge, with a focus on policy adherence, data reporting, and risk monitoring to maintain a healthy portfolio.

Qualifications

• Bachelor's degree required.
• Strong communication and finance background.
• Fresh UAE National graduates only.

Responsibilities

• Oversee the credit cycle from sourcing to collections.
• Monitor policy changes and test product performance.
• Coordinate with IT for policy parameters and data reports.
• Conduct Post Approval Review and ensure regulatory compliance.
• Communicate policy decisions to relevant units.
• Analyze MIS to monitor risk and portfolio quality.
• Review delinquency drivers for top accounts.

Skills

Internships

Communication skills

Finance background

Education

Bachelor's degree

Job description

Job description

Role: Associate - Unsecured Policy

Location: Sharjah

This role is for fresh UAE National Graduates only.

Role purpose:

• Assisting retail credit policy function and portfolio to ensure process is being managed well.
• The job requires ensuring end-to-end oversight into the credit cycle from sourcing, credit approval to collections for maintaining a healthy portfolio.

Key Accountabilities of the role:

Responsibilities:

• Ensure Post Approval Review is conducted as per approved process and there are no breaches on local and internal regulations.
• Ensure Daily Disaster Report is reviewed and any breaches of local and internal regulations and highlighted.
• Ensure adherence and effective updates and tracking of policy changes and tests for product performance assessment. Maintain a lot of all policy changes.
• Ensure clear communication with all relevant units and documentation of all credit policy decisions.
• Ensure that approved delegation and deviation matrix are in place.
• Complete policy dept. RCSA in timely manner and ensure testing is performed for all policy functions in line with approved processes.
• Analyze MIS to ensure quality of the portfolio with regards to risk and validate appropriateness of credit policies, as well as to monitor impact of changes in credit policies.
• Ensure coordination with IT Team for developing policy parameters and logics for automation of different data reports.
• Perform other duties or responsibilities that are assigned by the management.
• Collection review for top delinquent accounts recently for recently booked applications and understanding drivers of delinquency
• Portfolio review- have basic knowledge of Portfolio mix, Expat vs UAE, TML vs NTML, Salary transfer vs non-Salary transfer and basic understanding of performance metrices.

Specialist skills / technical knowledge required for this role:

• Preferably some internships are not necessarily in Banking sector
• Minimum of Bachelor's degree
• Communication skills and Finance academic background

Previous experience:

• Fresh UAE Nationals Graduates