Assistant Manager – Credit Policy

This is a fully remote position, open to applicants in India.

📋 Description

• Provide analytical insights for managing the Product Program across all emirates of the UAE, IBG, and other regions as operations grow.

• Conduct portfolio analytics to pinpoint risk and growth opportunities, facilitating necessary policy adjustments.

• Analyze product testing to uncover growth segments and perform portfolio stress tests along with risk-based segmentation.

• Oversee portfolio growth and direction while generating Management Information Systems (MIS) reports on outcomes.

• Assist in the automation of credit policies and lending parameters.

• Prepare comprehensive User Acceptance Testing (UAT) scripts, test necessary developments, and review and suggest updates to enhance automation and minimize manual processes.

• Evaluate existing systems and identify discrepancies between current practices and approved policies.

• Support the Policy Manager and work alongside Collections and Recovery to formulate procedures and strategies for resolving bad credits and improving underwriting standards.

• Monitor portfolio quality through data analysis.

• Develop actionable solutions for asset quality challenges in both acquisition and existing retail asset portfolios.

• Aid in the preparation and modification of policies based on market conditions and portfolio performance.

• Draft policies and guidelines for product programs, new launches, and targeted segments.

• Track system change requests, coordinate with relevant units, and enhance risk management processes.

• Ensure the implementation of policies is completed within approved timelines and escalate exceptions for approval.

• Collaborate with the Retail Risk team to ensure data availability for thorough reporting.

• Work with Collections and the Credit Initiation Unit to enhance policy implementation.

• Submit MIS reports to internal departments and external agencies within defined deadlines.

⛳️ Requirements

• Hands-on experience with SAS, Hadoop, and Hive.

• A graduate degree in finance, engineering, business, or related fields.

• Excellent analytical skills.

• Proficient in best practices related to credit and underwriting.

• Comprehensive knowledge of banking operations, sales, and customer-centric environments.

• 3–5 years of experience in banking or financial services, including roles in credit analysis, statistical analysis, and leadership positions.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Opportunities for professional development and career growth.

• Comprehensive health and wellness benefits.

• A dynamic work environment with a collaborative team culture.