Associate Vice President, Policy Analytics - Retail Credit Risk

RAKBANK; Dubai; On-site; AED 200,000 - 300,000; Full time

Job summary

A leading bank in Dubai is seeking an AVP Policy Analyst for Retail Credit Risk. This role focuses on data-driven credit policy analytics, demanding expertise in SAS and Python. The ideal candidate will have over 10 years of experience in credit risk analytics, strong leadership skills, and a background in retail banking. The position offers competitive compensation and opportunities for career development in an inclusive workplace.

Benefits

Competitive performance-linked compensation

Medical coverage for family

Comprehensive life insurance

Inclusive workplace culture

Career development opportunities

Mentorship from industry experts

Qualifications

• Minimum 10 years in credit risk analytics, 3-5 years in leadership role.
• Proven track record in policy analytics and retail lending.

Responsibilities

• Lead data-driven credit policy analytics for retail lending.
• Design and implement decision logic using SAS or Python.
• Monitor portfolio dynamics and recommend proactive policy adjustments.

Skills

SAS programming

Python programming

Power BI

Retail credit risk modelling

Strategic thinking

Stakeholder management

Strong communication skills

Team leadership

Education

Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Data Science

Job description

At RAKBANK, we believe in fostering a culture of innovation, growth, and excellence. We are not just a bank – we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance.

About the role

The AVP Policy Analyst - Retail Credit Risk will lead data-driven credit policy analytics for retail lending, with a focus on credit cards and personal loans. The role demands hands on experience and expertise in SAS/Python to shape strategies, optimize risk-reward, and ensure regulatory compliance. You will report to the Head of Retail Risk and Policy.In this role, you’ll work closely with teams across various functions to drive alignment and results.

What You’ll Be Doing:

• Data driven analysis to refine advanced credit risk policies and strategies to support profitable growth in retail lending.
• Conduct deep-dive analytics to identify segmentation opportunities, optimize risk-reward trade-offs, and enhance policy effectiveness.
• Design and implement complex decision logic using SAS or Python to support policy execution and performance monitoring.
• Ensure compliance with internal governance and external regulatory requirements, supporting audits and submissions with robust documentation.
• Monitor portfolio dynamics and emerging risk trends to recommend proactive policy adjustments.
• Collaborate with business units to align risk strategies with growth objectives while maintaining portfolio quality.
• Build and maintain dashboards using Power BI to visualize key risk indicators and portfolio performance.
• Manage analytical resources efficiently to deliver high-impact insights aligned with business priorities.

What We’re Looking For:

• Education: Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Data Science, or a related quantitative field. Advanced degrees or certifications are a plus.
• Experience: Minimum of 10 years in credit risk analytics, with at least 3–5 years in a leadership or senior individual contributor role.
• Proven track record in policy analytics and retail lending, especially credit cards.
• Industry Exposure: Extensive experience in financial services, particularly in retail banking and consumer lending.

What’s In It For You:

• Competitive, performance-linked compensation.
• Medical coverage for you and your family.
• Comprehensive life insurance.
• Inclusive and diverse workplace culture.
• Career development and fast-track growth opportunities.
• Mentorship from industry experts.

Skills:

• SAS and Python programming for analytics and logic implementation.
• Power BI dashboarding and data visualization.
• Understanding of retail credit risk modelling.
• Strategic thinking and stakeholder management.
• Strong communication and presentation skills.
• Team leadership and mentoring skills.
• High attention to detail and data accuracy.
• Adaptability in fast-paced environments.