Management jobs in Spain

Role : Head of Unsecured Policy

Location : Abu Dhabi

Role Purpose:

Core Product: Responsible for managing credit portfolios and policies of unsecured products including Personal Finance, Cards & Al Yusr. These products have a combined exposure of 34 Bn across 500k+ customers, with monthly bookings close to 2Bn.

Ensure product and credit parameters are continually refined in line with macro-economic conditions, portfolio loss rates, and profitability. Oversee the entire credit cycle from program initiation to collections.

Digitization: Collaborate with Business, Digital, and ITD Teams to develop and implement digital journeys for unsecured retail products to meet digitization goals.

Additional Tasks: Manage and guide Finnone resources within the Credit team responsible for the Rule Engine for unsecured products.

Key Accountabilities:

Personal Finance, Credit Cards, and Al Yusr Products:

• Design, review, and update credit policies within the Group Risk Framework.
• Align policies with regulatory guidelines, risk appetite, and market best practices.

Credit Management & Portfolio Oversight:

• Monitor portfolio performance and implement risk mitigation strategies.
• Use analytics to identify trends, adjust policies, and maintain portfolio quality.
• Monitor portfolio caps and performance triggers; take remedial actions as needed.
• Conduct management reviews to foster discipline and analytics culture.
• Ensure credit delegations are in place and reviewed annually.
• Regularly review and refine credit scoring models.
• Manage audits related to unsecured products and ensure satisfactory ratings.

Stakeholder Collaboration:

• Coordinate with collections, recovery, product, risk, credit operations, Shariah, and digital teams.
• Liaise with regulators and auditors to ensure compliance.

Technology & Automation:

• Work with digital, business, and ITD teams on digital journeys.
• Manage development and modification of digital credit policies.

Finnone Rule Engine:

• Oversee change requests and prioritize rollouts.
• Manage resources handling the Rule Engine.
• Automate credit policies and strengthen controls.

Leadership & Team Management:

• Lead a team of credit policy analysts.
• Promote a risk-aware culture and continuous improvement.
• Set objectives and provide performance feedback.

Skills & Knowledge:

• Expertise in retail banking credit management practices.
• Strong analytical, communication, and people management skills.
• Understanding of regulatory environment and local market dynamics.
• Familiarity with system development and automation in retail banking.
• Project management and stress management skills.