AVP – Portfolio Analytics (AI)

First Abu Dhabi Bank; Abu Dhabi; On-site; AED 200,000 - 300,000; Full time

Job summary

A leading financial institution in Abu Dhabi seeks an experienced professional in credit analytics to enhance efficiency through automation and improve portfolio management. The ideal candidate will have a minimum of 7 years in analytics, a Bachelor's degree, and strong knowledge of SAS and SQL. This role offers the opportunity to drive significant improvements in the bank’s strategic direction towards AI and automation.

Qualifications

• Minimum of 7 years experience in Credit Analytics.
• Working knowledge of portfolio monitoring and regulatory reporting.
• Understanding of Credit Risk and Retail Portfolios.

Responsibilities

• Provide insights into portfolio and collections performance.
• Automate manual processes to improve efficiency.
• Coordinate with IT for timely data availability.
• Mentor and develop team members' skills.

Skills

Credit Analytics

Portfolio monitoring

SAS

SQL

Python

Risk management

Education

Bachelor’s degree or equivalent

Tools

SAS

SQL

VBA

R

Job description

• Sub Division: Credit and Collections - Personal Banking
• Division: Group Credit

Company Description

Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting and dynamic industry.

Job Description

JOB PURPOSE:

The key responsibility of this role is to reduce lead time/increase efficiency and align to overall banks strategic direction towards AI / automation using the latest tools of using various tools. The role covers conducting detailed review of all the dashboards, MIS processes and reports to assess the ones that can be generated by automating them. This role is not limited to Portfolio analytics, but also across reports generated for approval and disbursal monitoring, Collections MIS, Portfolio packs, Test tracking and such to support senior management, CBUAE reports etc.

KEY ACCOUNTABILITIES:

Generic Accountability

• Use analytics to provide insights into portfolio and collections performance and various business segments to drive improvement in portfolios and identify high risk segments and opportunities. Provide analysis and recommendations from insights into customer profiling, customer behaviour and credit performance and devise solutions to acquire profitable portfolio by balancing risk and reward.
• Automate the manual processes for improving efficiency and reduce errors due to manual calculations across portfolio and collections MIS comprising of all performance metrics – Resolutions, normalization, recoveries etc.
• Use analytics to drive improvement in portfolios and identify high risk segments and opportunities. Provide analysis and recommendations from insights into customer profiling, customer behaviour and credit performance and devise solutions to acquire profitable portfolio by balancing risk and reward.
• Analyse scope for improvement in processes using SAS toolset ( SAS, SQL, VBA, Macros, R, Python, E-miner) reduces lead time and aligns to overall banks strategic direction towards automation
• Portfolio segment analysis and decks for senior managements using tools. Support team in account management activities like CLI, Top-ups & Risk based strategies
• Coordinate with IT and other departments for timely availability of data for CBG.
• Ensure governance within the unit and ensure all audit items are closed on timely basis.
• Ensure all processes are documented.
• Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important to drive change.
• Mentor, motivate and help develop the skills of team members.

Qualifications

• Bachelor’s degree or equivalent.
• Experienced professional in Credit Analytics for minimum of 7 years
• Working knowledge of Portfolio monitoring, MIS reporting and regulatory reporting.
• Knowledge of Statistical and Analytics tools –SAS, SQL, ORACLE etc
• Sound banking knowledge
• Sound knowledge of any key consumer banking products
• Understanding of Credit Risk at a broad level and working knowledge of Retail Portfolios.

Job Location