Senior Credit Analyst (UAE National)

Commercial Bank of Dubai; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading financial institution in Dubai seeks a candidate for a Retail Credit Analytics role. You will handle portfolio analytics, generate management reports, and support the Risk Management Department. The ideal candidate should have a degree in Finance or Analytics, proficient knowledge in EXCEL and SAS, and possess 2-3 years of experience in Retail credit MIS/analytics. This position offers opportunities for growth within a dynamic banking environment.

Qualifications

• 2 – 3 years of experience handling Retail credit MIS/analytics.
• Possesses knowledge of Credit and Financial Analysis.
• Basic knowledge of Credit Risk; familiar with Rating and Scoring models.

Responsibilities

• Conduct Portfolio Analytics including generating MIS and reports.
• Analyze Scorecards and manage Impairment models.
• Support Risk Management Department’s objectives.

Skills

Analytical skills

Good command of English

Strong investigative and interpretive skills

Persuasive communication / presentation skills

Education

Degree in Finance or Analytics

Tools

EXCEL

SAS

Job description

Description

Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.

Responsibilities

• Portfolio Analytics’ including MIS, Reports, Management Presentation packs of all Asset Products falling within the domain of Personal Banking, and Retail Attijari Al Islami.
• Responsible for analyzing Scorecards, Limit assignment and Impairment model management including other related Risk models to identify both risk and opportunity areas.
• Provide support to Head of Retail Credit Policy in meeting Risk Management Department’s objectives.
• Work closely with IT, Finance and other departments to generate timely and accurate MIS/Dashboards. The incumbent should have a bias to automate the various reports.
• Identify credit risks / trends under different scenarios and provide analytical support for making specific business decisions.
• Participate as a Team member and undertake responsibility for the improvement of the on-going management of credit risk reports and analyses in an accurate, efficient and timely manner.
• Ability to identify data points and data sources to build a comprehensive, accurate and complete credit information database. Facilitate in Data Warehousing process and retrieval and Analysis of Data.
• Represent the team in initiatives pertaining to data warehousing, data analysis automation and analytics.

Requirements

Qualifications

• Degree in Finance, / Analytics
• Possesses knowledge of Credit and Financial Analysis
• Basic knowledge of Credit Risk,
• To be familiar with Rating and Scoring models
• High Proficiency in EXCEL & SAS
• Communication Ability – written and spoke

Experience

• 2 – 3 years of having handled Retail credit MIS/analytics including familiarity with Scorecard analytics.

Skills

• Analytical skills
• Good command of English.
• Strong investigative and interpretive skills
• Persuasive communication / presentation skills

Competencies

• Thinking analytically
• Communicating effectively
• Attention to detail
• Taking initiatives