Company Description

FAB, the UAE\'s largest bank and one of the world\'s most secure financial institutions, is dedicated to creating value for its employees, customers, shareholders, and communities. Through innovation, agility, and differentiation, FAB is committed to fostering growth. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting and dynamic industry



JOB PURPOSE:

The Head of Analytics will be responsible to manage the credit analytics function within Credit Governance to provide Scoring initiatives for uniform front-end acceptance criteria, improve and control the portfolio quality and provide the critical input in process automation impacting the TAT positively. The job holder is responsible for collaborating with Risk in building and validation of scorecards. Portfolio performance understanding and business segments navigation to improve the cost of risk is the core responsibility of the job holder.

KEY ACCOUNTABILITIES:

• Use analytics to provide insights into portfolio behaviour and various business segments.
• To work closely with Risk and external vendors in building of scorecards- A-score and B-score and periodic validation.(A-score for uniform and controlled credit decision making. B-score for credit cards and national loans retention and other products as and when required.)
• Set up independent controls to monitor key risks associated with using the models for the purpose of acquiring new customers and enhancing exposures. Provide analysis and recommendations from insights into customer profiling, customer behaviour and credit performance and devise solutions to acquire profitable portfolio by balancing risk and reward.
• Engage and work closely with key stakeholders to define and shape analytical reporting requirements, delivering tactical solutions and carrying out forecasts to deliver profitable growth. Automation of credit analytics using advanced techniques on SAS/SQL and other available tools.
• Mentor, motivate and help develop the skills of team members.

Qualifications

Minimum Qualification

• Bachelor\'s degree or equivalent.

Minimum Experience

• Experienced professional in Credit Analytics for minimum of 5 years
• Working knowledge of Credit Risk Models development and understanding of quantitative methods adapted in the development of such models.
• Knowledge of Statistical and Analytics tools -SAS, SQL, ORACLE etc
• Understanding of Credit Risk at a broad level and working knowledge of Retail Portfolios.

First Abu Dhabi Bank