Senior Risk Analyst

RAKBANK
Dubai, United Arab Emirates
Workplace: OnsiteFull timeFunction: Legal, Risk & ComplianceExperience: 5+ yearsEducation: bachelorsSkills: ["Attention to detail","Communication","Problem-solving"]

Support Retail Credit Risk by maintaining credit policy governance and portfolio monitoring across Retail and Business Banking lending products. Own credit policy documentation updates, regulatory change tracking, and portfolio analytics covering exposures, delinquency, NPLs, provisions, restructures, and cost of risk. Maintain audit-ready Credit MIS and data quality for cross-functional systems, validate provisioning and IFRS 9/ECL outputs, and contribute to collections performance reporting, controls, and UAT for policy and provisioning enhancements.

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FursaFursa
RAKBANK
RAKBANK
1 day ago

Senior Risk Analyst

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Last checked: 3 hours agoStatus: Live

Job Summary

Support Retail Credit Risk by maintaining credit policy governance and portfolio monitoring across Retail and Business Banking lending products. Own credit policy documentation updates, regulatory change tracking, and portfolio analytics covering exposures, delinquency, NPLs, provisions, restructures, and cost of risk. Maintain audit-ready Credit MIS and data quality for cross-functional systems, validate provisioning and IFRS 9/ECL outputs, and contribute to collections performance reporting, controls, and UAT for policy and provisioning enhancements.
Location: Dubai, United Arab Emirates
Workplace: Onsite
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Mid level

Key Responsibilities

  • •Support drafting, renewal, and maintenance of Retail Credit Policies and related policy documents, ensuring regulatory compliance and consistent credit criteria.
  • •Prepare and validate monthly/quarterly portfolio monitoring reports, tracking key indicators such as exposures, delinquency, NPLs, provisions, and restructures.
  • •Maintain and reconcile Credit MIS at portfolio and account level, performing data quality reviews, reconciliations, and exception monitoring across systems.
  • •Support provisioning and Expected Credit Loss (ECL) activities, validating provisioning outputs, write-off adjustments, and IFRS 9 staging/SICR/UTP activities.
  • •Collaborate with stakeholders to support collections and portfolio performance reporting, audit readiness, and UAT for dashboards, scorecards, provisioning models, and system enhancements.

Pay and Benefits

Perks:Health InsuranceLife Insurance

Key Requirements

  • •Bachelor’s degree in Finance, Accounting, Economics, Business, Statistics, Information Systems, or a related discipline.
  • •Minimum 5 years of experience in Credit Risk MIS, Credit Policy, Portfolio Analytics, Provisioning, Retail Lending Operations, or related banking functions.
  • •Experience working within Retail Banking, Business Banking, Risk Management, or Credit functions.
  • •Strong understanding of Retail Credit Risk, Product Program Guidelines, and CBUAE regulatory requirements.
  • •Knowledge of IFRS 9, ECL methodologies, provisioning, collections, write-offs, and consumer protection requirements.
Experience:5+ yearsBankingRetail lendingRisk management
Education:Bachelor's
Skills:Attention to detailCommunicationProblem-solving

Eligibility

Nationality:UAE National

Company Brief

RAKBANK
RAKBANK is a United Arab Emirates-based bank offering personal, business, and commercial banking services, including accounts, cards, loans, deposits, and digital banking products. It serves retail customers and SMEs across the UAE.
Industry: Banking
Company Size: Large (251 to 1,000 employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Ras Al Khaimah, United Arab Emirates
Founded: 1976
WebsiteLinkedIn