AVP Policy Analytics - Retail Credit Risk

Rak Bank; United Arab Emirates; On-site; AED 250,000 - 300,000; Full time

Job summary

A leading banking institution in the UAE is seeking an AVP Policy Analyst for Retail Credit Risk. This role involves leading data-driven credit policies, optimizing risk-reward strategies, and ensuring compliance with regulations. Ideal candidates will have over 10 years of experience in credit risk analytics, especially in retail lending. Strong SAS and Python skills are required, along with team leadership capabilities. The position offers competitive compensation and the opportunity to work in a dynamic environment.

Qualifications

• Minimum of 10 years in credit risk analytics, with 3-5 years in a leadership role.
• Proven track record in policy analytics and retail lending, especially credit cards.
• Extensive experience in financial services, particularly in retail banking.

Responsibilities

• Lead data-driven credit policy analytics for retail lending.
• Conduct deep-dive analytics to identify optimization opportunities.
• Design complex decision logic using SAS or Python.
• Ensure compliance with internal governance and regulatory requirements.
• Monitor portfolio dynamics and recommend proactive policy adjustments.
• Build dashboards using Power BI to visualize key risk indicators.

Skills

SAS programming

Python programming

Data visualization

Credit risk modelling

Stakeholder management

Team leadership

Attention to detail

Education

Bachelor's degree in Statistics, Mathematics, Economics, Finance, or Data Science

Tools

Power BI

Job description

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.

Desired Candidate Profile

• 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.
Apply Now

Company Industry

• Banking
• Broking

Department / Functional Area

• Business Development

Keywords

• AVP Policy Analytics - Retail Credit Risk

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