Head of Retail Credit Risk - Credit Cards Portfolio

McGregor Boyall; Dubai; On-site; AED 300,000 - 400,000; Full time

Job summary

A leading financial services firm in Dubai is seeking a Retail Credit Risk Manager for their credit card portfolio. The successful candidate will lead the development and implementation of risk strategies, analyze portfolio performance, and present insights to senior leadership. A strong background in retail credit risk, analytical skills, and proficiency in SQL and Excel are essential. This role offers competitive compensation and career growth opportunities.

Benefits

Competitive compensation package

Flexible work environment

Career growth opportunities

Qualifications

• 8+ years of experience in retail credit risk.
• Direct ownership of credit card portfolio or policies.
• Proficiency in SQL, Excel, and ideally Python/SAS.

Responsibilities

• Lead design and refinement of credit risk strategies.
• Analyze portfolio performance and identify risks.
• Present risk insights to leadership.

Skills

Risk strategy development

Credit lifecycle management

Portfolio monitoring

Advanced analytical skills

Communication skills

Education

Bachelor's degree in a quantitative or business discipline

Master’s degree (preferred)

Tools

SQL

Excel

Python

SAS

Job description

Overview

Head of Retail Credit Risk - Credit Cards Portfolio. Are you a strategic thinker with a sharp eye for risk and a passion for optimizing credit policies? We’re looking for a Retail Credit Risk Manager to lead our credit card portfolio and drive key decisions around acquisition, exposure, and account management strategies. In this role, you’ll own end-to-end risk management for one of our fastest-growing product lines — shaping policy, influencing growth, and safeguarding portfolio health.

What You’ll Do

• Lead the design, implementation, and ongoing refinement of credit risk strategies across the credit card lifecycle — including originations, line management, and collections.
• Analyze portfolio performance, identify emerging risks, and proactively adjust policies to maintain asset quality and profitability.
• Develop and enhance credit decisioning frameworks using internal data, bureau attributes, and advanced analytics.
• Partner cross-functionally with Product, Data Science, Compliance, and Operations to align risk and business goals.
• Present risk insights, trends, and recommendations to senior leadership and risk committees.
• Ensure adherence to regulatory guidelines and internal risk governance frameworks.

What You Bring

• 8+ years of experience in retail credit risk, with direct ownership of credit card portfolio or policies.
• Strong command of risk strategy development, credit lifecycle management, and portfolio monitoring.
• Advanced analytical and problem-solving skills; proficiency in SQL, Excel, and preferably Python / SAS.
• Experience working with credit bureau data and credit scoring models.
• Strong communication skills and proven ability to influence senior stakeholders.
• Bachelor's degree in a quantitative or business discipline (Master’s preferred).
• Shape the credit risk strategy of a high-impact, customer-first product.
• Work with a collaborative and high-performing team of risk professionals and business leaders.
• Enjoy a competitive compensation package, flexible work environment, and clear career growth opportunities.

Apply now or reach out directly for a confidential conversation.