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7 Mashreq Global Services Jobs
Assistant Vice President-Credit Policy.CRM
6-10 years
Bangalore / Bengaluru
1 vacancy
Assistant Vice President-Credit Policy.CRM
Mashreq Global Services
posted 2d ago
Job Role Insights
Flexible timing
Key skills for the job
Job Description
- Responsible for lending/financing Policies / Framework for specific products in UAE.
- Author and manage the credit criteria and RAACs for specific products.
- Responsible for Portfolio Quality and Portfolio Management Strategy by defining Retail Credit Policy / lending/financing parameters.
- Responsible for the Retail Bank s Strategy on Risk & Growth areas through
appropriate Retail Credit Policy actions.
- Achieve the planned risk charge for Retail Products by ensuring quality acquisitions and by initiating Portfolio measures to improve / stabilize overall front end flow rates and
work with CCRD in ensuring developing collections strategy and remedial policies.
- Effective communication, presentation and data analytical skills are mandatory.
- Advanced level skills mandatory in in MS-Excel, Power Point, SAS/SQL and Power BI.
- Knowledge of Industry best practices in Credit Risk Management for all Retail Portfolios.
- Strong knowledge of bank s operations, sales and support environments, superior
customer focus.
- 5+ years of experience in banking / financial services with expertise in credit analytics and retail risk management.
Prior experience in Product Management would be an added strength.
- Update and maintain Retail Credit Policy Manual which is the framework for the individual Product programs.
- Ensure all Retail Credit Policies are aligned with the strategies orientation and target segment that the bank wants to grow.
- Ensure Product Programs in UAE for the products are aligned and standardized and are within the RBG lending framework.
- Comprehensive review of the portfolios in UAE on an ongoing basis.
- Provide inputs on all Strategic initiatives from retail Risk perspective - Portfolio, acquisitions, Retail Credit Portfolio Management, Central bank Regulation, Provisioning Norms for Retail Portfolios.
- Compliance with Central bank Regulations pertaining to Retail Risk - Impact analysis and implementation.
- Actively work with business, marketing, Legal in developing portfolio strategy with respect opportunities and threats, risks and rewards and portfolio mix based on portfolio segmentation and performance as well as economic, market and competitive intelligence to grow the portfolio profitability.
- Maintain predictability of portfolio performance through regular risk charge forecasting is conjunction with Retail Credit MIS team. Also, ensure the achievement of risk charge numbers on an ongoing basis by ensuring that they are within plan.
- Drive automation of policies and processes - MIS and CIC.
- Review and recommend to Senior Managers all new product launches and any significant changes to existing policies.
- Additionally for Secured products: Mortgages / SOD / Retail Auto / Commercial Auto:
- Ensure only appropriate asset classes are approved as collateral under the PPG
and at appropriate LTV s
- Ensure Security perfection and appropriate Legal Structure approval (Ijara vs conventional etc.)
Ensure satisfactory audit rating and consumer examination ratings for the Retail credit Policy Unit.
Employment Type: Full Time, Permanent
Read full job descriptionPrepare for Assistant Vice President roles with real interview advice
Top Mashreq Global Services Assistant Vice President Interview Questions
Q1. Existing bank role & CTC . Expected CTC for job change etc.
asked in
Lead Credit Analyst interview
Q2. How to consider turnover from company Bank statements.
asked in
Lead Credit Analyst interview
What people at Mashreq Global Services are saying
Rating based on 2 Assistant Vice President
reviews
Anonymous · Project & Program Management
in Bangalore / Bengaluru
Likes
Work from home and salary
- Salary - Good
Dislikes
Work life balance
- Promotions - Bad
+3 more
Assistant Vice President salary at Mashreq Global Services
reported by
37
employees
with 11-20
years exp.
₹23
L/yr - ₹60
L/yr
38%
more
than the average Assistant Vice President Salary in India
View more details
What Mashreq Global Services employees are saying about work life
based on 354 employees
Flexible timing
Monday to Friday
No travel
Day Shift
Mashreq Global Services Benefits
View more benefits
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