AVP, Portfolio Performance, Personal Banking

Job Description

Key Accountabilities

• Use analytics to provide insights into portfolio behaviour 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.
• Engage and work closely with key stakeholders to define and shape analytical reporting requirements, delivering tactical solutions and carrying out forecasts to deliver profitable growth. Automation of credit analytics using advanced techniques on SAS, SQL, VBA, Macros, R, Python, E-miner and other available tools.
• Manage monthly and quarterly portfolio reporting activities within the bank including reports to business heads and credit committees. Company level performance monitoring on monthly basis to be shared with policy team for review and actions.
• Portfolio reporting Annual forecasting for credit losses. Monitor and close tracking of key performance metrics related RAF, provisions, impairments etc. Quarterly reforecasting based on YTD actuals.
• Set up independent controls to monitor key risks associated, monitor test programs, triggers and ensure highlighting appropriately for timely action.
• Complete regulatory and internal reporting requirements on time. Ensure any data requirements from CBUAE are ensured within timelines provided.
• Ensure governance within the unit and ensure all audit items are closed on timely basis.
• Allocation of sample cases to Quality team based on well-defined metrics.
• 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.
• Specific Accountability
• Portfolio analytics
• Establish portfolio monitoring and reporting mechanism