Head Credit Approvals - Retail Credit
Skills
About This Role
Job Purpose
- To manage the Retail Credit approvers to ensure all credit applications are processed as per Retail Credit policy, authority matrix & to agreed SLA’s / TAT’s.
- Ensure that all RCIT staff are fully aware of the bank’s credit policy.
- Review / monitor Retail credit portfolio through dashboards to ensure that exposure is within agreed limits.
- Train staff and ensure that critical Emiratization roles increase. Keep the team motivated and engaged as measured by engagement surveys.
- To lead the transformation towards digitalization and automation, including exploring AI led solutions for a retail approval system. End to end automation for improved customer experience is a critical responsibility.
- Take ownership of governance including central bank’s policies, application and behaviour scorecards, MIS of the portfolio and resolution of findings by internal audit.
-Processing
- Assure processing of all applications received from the sales channels as per SLA.
- Manage distribution of applications within RCIT team to ensure SLA’s are met.
- Assure all applications are processed as per Retail Credit policy & authority levels.
- Attend all issues related to the special packages offered to the company as well as the
- -Policy & matrix
- Manage retail assets portfolio and consolidating the achievements to retail management.
- Review, confirm & process applicable invoices from vendors via Pacman system (Valuators, AECB etc.)
- To prepare yearly /monthly / weekly and daily MIS reports related to retail portfolio to show approved / declined applications & status of portfolio.
-Compliance
- Ensure that local regulatory compliance functions are in place and monitored properly.
- Ensure that business risks and controls are well managed.
- Compliance with code of conduct.
- -Remedial team to minimize
- Monitor and follow-up with the branches regarding the overdrawn and past dues accounts.
Experience
- 15 years’ experience in Banking & minimum 10 years’ in a Retail Credit role.
- Ability to speak fluent English / Arabic
- Good knowledge of local banking regulations.
- Good knowledge of all retail credit products
- Should have advanced PC skills (MS Office & spread sheet)
Qualifications
Graduate degree from a recognized university
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