Manager - Retail Risk Policy & Portfolio Management (Al Hilal Bank)

About This Role

About the business area - Group Risk Management

AHB prioritises a disciplined approach to risk, recognising its fundamental importance to the Bank’s long-term organisational and financial resilience. Group Risk Management oversees the implementation of AHB's risk objectives, identifying and addressing gaps in the bank's risk infrastructure/framework. Their responsibilities include nurturing the independence of the risk function, establishing provisioning policies, and introducing changes to energise risk awareness among front office personnel and decision-makers. Continuously tuning the risk organisation in line with market best practices, they manage AHB's portfolio and associated risks to international standards, while establishing a clear risk culture across all areas of operation.

Responsibilities:

• Conduct monthly reviews of Retail Credit portfolios (Personal Loans, Auto Loans, Mortgages, Credit Cards) to monitor performance and identify emerging risks.
• Identify portfolio trends, concentration risks, and early warning signals, recommending appropriate mitigation actions.
• Monitor risk appetite metrics and ensure any breaches are promptly addressed and escalated.
• Coordinate with Finance, IT, Operations, and Collections to ensure data accuracy, model alignment, and effective forecasting.
• Ensure full compliance with UAE Central Bank and AECB requirements across all Retail portfolios.
• Validate accuracy of AECB data submissions and implement any changes to reporting requirements.
• Manage quarterly and annual regulatory submissions (RFIs) to the Central Bank, ensuring completeness and accuracy.
• Oversee validation of all regulatory data submissions, including PD/LGD reporting to Group for onward submission.
• Analyze portfolio performance, including delinquency and loss trends, ensuring alignment with budget and forecasts.
• Support development and enhancement of credit risk strategies, scorecards, and underwriting policies.
• Assess portfolio risk under different economic and market scenarios and recommend risk mitigation strategies.
• Ensure timely and accurate submission of provisioning data to Group.
• Conclude monthly provisions and oversee real estate portfolio valuations in line with Central Bank requirements.
• Support new product launches by ensuring end-to-end risk coverage and appropriate controls are in place.
• Engage with internal stakeholders and regulators to ensure alignment on risk, reporting, and compliance matters.

Qualifications

• Bachelor’s degree in Finance, Business Administration, Risk Management, or a related field.
• 5 -6+ years of banking experience, with a focus on Retail Credit Risk.
• Strong knowledge of UAE Central Bank regulations and AECB reporting requirements.
• Experience in portfolio analytics, risk reporting, and credit risk frameworks (including PD/LGD and provisioning).
• Strong analytical skills with the ability to interpret data, identify risks, and provide actionable insights.
• Proven ability to manage stakeholders and work across multiple functions in a fast-paced environment
• UAE experience is mandatory

What we offer:

• Competitive Salary & Additionally, all employees are eligible to participate in one of our rewarding variable pay plans.
• Comprehensive Benefits Package: This includes market-leading medical insurance, group life and personal accident insurance, paid leave and leave airfare, employee preferential rates on loans and finance facilities, staff discounts and offers, and children education assistance (for certain job levels).
• Flexible and Remote Working Options: We understand the importance of work-life balance and offer flexible working arrangements, subject to eligibility and job requirements.
• ·Learning and Development Opportunities: We value and facilitate continuous learning and personal development through a variety of exciting learning opportunities, such as structured instructor-led courses, a comprehensive e-learning catalog, on-the-job training, and professional development programs.

At ADCB, we are dedicated to creating a respectful, caring and disciplined work environment that aligns with your career ambitions.