Credit Risk & Policy Analyst

DIB; Dubai; On-site; AED 89,000 - 123,000; Full time

Job summary

Dubai Islamic Bank (DIB) is seeking a credit risk professional to monitor and ensure adherence to credit policies within retail banking. You will assess customer profiles, monitor market conditions, and ensure proper signoffs at all stages.

The role requires 2–3 years in financial services with emphasis on retail credit, and a bachelor's degree. The position stresses compliance with SOPs, timely MIS reporting, and proactive risk management.

Qualifications

• Minimum 2-3 years’ experience in financial services, including Retail Banking.
• Bachelor’s Degree required; financial accreditation will be an advantage.

Responsibilities

• Ensure deviation approvals from product and credit parameters per the delegated authority matrix.
• Monitor risk and market trends to suggest amendments in policies when required to minimize risk and improve quality.
• Check and monitor the authenticity of facilities proposed by branches/sales with proper signoff at every stage.
• Adhere to Retail credit SOPs and SLAs to ensure timely delivery with minimum TAT and acceptable risk ratings.
• Maintain accurate daily/monthly data capture for MIS reports.
• Identify and highlight fraudulent activities to reduce risk exposure and improve analysis quality.
• Conduct internal self-audits on processed cases and address audit observations promptly.
• Process credit – after sales: remedial solutions, restructuring for delinquent accounts, and customer service handling.

Education

Bachelor's Degree

Job description

Dubai Islamic Bank (DIB) is seeking a credit risk professional to monitor and ensure adherence to credit policies within retail banking. You will assess customer profiles, monitor market conditions, and ensure proper signoffs at all stages.

The role requires 2–3 years in financial services with emphasis on retail credit, and a bachelor's degree. The position stresses compliance with SOPs, timely MIS reporting, and proactive risk management.