1 week ago

Vice President- Retail Credit Policy

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 10 hours agoStatus: Live

Job Summary

Own lending/financing policies and frameworks for retail products in UAE, including credit criteria and Risk Asset Acceptance Criteria. Define retail credit policy and portfolio parameters to improve portfolio quality and guide a “Risk & Growth” strategy. Maintain the Retail Credit Policy Manual, monitor risk charges, ensure alignment with central bank regulations, and drive automation with underwriting teams while evaluating new product launches and collateral requirements.

Location: Pakistan

Workplace: Remote

Employment Type: Full time

Job Function: Executive & General Management

Seniority: Sr. Director level

Key Responsibilities

•Own lending/financing policies and frameworks for specific retail products in UAE, including authoring and managing credit criteria and Risk Asset Acceptance Criteria.
•Define retail credit policy and portfolio management strategy, using parameters to maintain portfolio quality and guide “Risk & Growth” actions.
•Update and maintain the Retail Credit Policy Manual, ensuring product programs are aligned, standardized, and within the retail banking lending framework.
•Conduct comprehensive, ongoing portfolio reviews and provide inputs on strategic initiatives covering portfolio, acquisitions, provisioning norms, and central bank regulation.
•Monitor risk charge predictability to ensure achievement of planned risk charge numbers and drive automation of policies/processes with underwriting and other stakeholders.

Key Requirements

•Bachelor’s degree in Mathematics, Statistics, Data Science, Computer Science, Economics, or a related quantitative discipline.
•Minimum 10-12 years of experience in banking/financial services with strong exposure to credit risk analytics, retail risk management, and policy formulation (preferably unsecured lending).
•Strong statistical modeling, machine learning, and advanced analytics for credit underwriting, scorecards, and portfolio management; familiarity with AI/ML frameworks.
•Advanced proficiency in Python/R/SAS/SQL for data analysis and model development.
•Strong data visualization skills using Power BI and Tableau, with experience working with large datasets, data pipelines, and cloud-based analytics environments.

Experience:10-12 yearsBankingFinancial servicesRetail lendingCredit riskRisk analyticsAI-enabled underwriting

Education:Bachelor's in Mathematics, Statistics, Data Science, Computer Science, Economics, or related quantitative discipline

Skills:Stakeholder managementCommunicationStrategic mindsetData analysisRisk mitigation

Tech Stack:PythonRSASSQLPower BITableauMachine learningAI/ML frameworksCloud-based analyticsData pipelinesStatistical modelingCredit underwritingScorecards

Company Brief

Mashreq

Mashreq Bank is a UAE-headquartered full-service bank offering retail, corporate, Islamic and digital banking, treasury, and capital markets services across the Middle East and internationally.

Industry: Banking

Company Size: Enterprise (1,001+ employees)

Growth: Public Company

Valuation: Public Company (Market Cap in USD)

Funding: IPO / Publicly Listed

Headquarters: Dubai, United Arab Emirates

Founded: 1967

Glassdoor: 3.3

Website LinkedIn Glassdoor

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Mashreq

1 week ago

Vice President- Retail Credit Policy

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 10 hours agoStatus: Live

Job Summary

Location: Pakistan

Workplace: Remote

Employment Type: Full time

Job Function: Executive & General Management

Seniority: Sr. Director level

Key Responsibilities

•Own lending/financing policies and frameworks for specific retail products in UAE, including authoring and managing credit criteria and Risk Asset Acceptance Criteria.
•Define retail credit policy and portfolio management strategy, using parameters to maintain portfolio quality and guide “Risk & Growth” actions.
•Update and maintain the Retail Credit Policy Manual, ensuring product programs are aligned, standardized, and within the retail banking lending framework.
•Conduct comprehensive, ongoing portfolio reviews and provide inputs on strategic initiatives covering portfolio, acquisitions, provisioning norms, and central bank regulation.
•Monitor risk charge predictability to ensure achievement of planned risk charge numbers and drive automation of policies/processes with underwriting and other stakeholders.

Key Requirements

•Bachelor’s degree in Mathematics, Statistics, Data Science, Computer Science, Economics, or a related quantitative discipline.
•Minimum 10-12 years of experience in banking/financial services with strong exposure to credit risk analytics, retail risk management, and policy formulation (preferably unsecured lending).
•Strong statistical modeling, machine learning, and advanced analytics for credit underwriting, scorecards, and portfolio management; familiarity with AI/ML frameworks.
•Advanced proficiency in Python/R/SAS/SQL for data analysis and model development.
•Strong data visualization skills using Power BI and Tableau, with experience working with large datasets, data pipelines, and cloud-based analytics environments.

Experience:10-12 yearsBankingFinancial servicesRetail lendingCredit riskRisk analyticsAI-enabled underwriting

Education:Bachelor's in Mathematics, Statistics, Data Science, Computer Science, Economics, or related quantitative discipline

Skills:Stakeholder managementCommunicationStrategic mindsetData analysisRisk mitigation

Tech Stack:PythonRSASSQLPower BITableauMachine learningAI/ML frameworksCloud-based analyticsData pipelinesStatistical modelingCredit underwritingScorecards

Company Brief

Mashreq

Mashreq Bank is a UAE-headquartered full-service bank offering retail, corporate, Islamic and digital banking, treasury, and capital markets services across the Middle East and internationally.

Industry: Banking

Company Size: Enterprise (1,001+ employees)

Growth: Public Company

Valuation: Public Company (Market Cap in USD)

Funding: IPO / Publicly Listed

Headquarters: Dubai, United Arab Emirates

Founded: 1967

Glassdoor: 3.3

Website LinkedIn Glassdoor