DescriptionRole : Analytics Officer
Location : Abu Dhabi
Role Purpose:
This position involves preparing databases and reports for credit risk models and risk segmentation. The Retail Credit Analytics Officer plays a pivotal role in analyzing and monitoring the retail credit portfolio and supporting the Head of Retail Analytics for all Credit Score development work.
Key Accountabilities of the role
- Continuously monitor the performance of retail credit portfolios including personal loans auto loans credit cards and mortgages.
- Identify emerging risk trends and provide actionable insights to mitigate potential losses.
- Develop and maintain dashboards and reports highlighting key performance indicators (KPIs) such as delinquency rates non-performing loans (NPLs) and recovery rates
- Work closely with ERM team to develop the Portfolio Quality Review(PQR) pack covering the following topics:
- Mandate & Scale Tracking
- MI for tracking both portfolio and new sourcing performance
- Vintage analysis
- Test Performance tracking
- Account maintenance tracking
- Deviation performance tracking
- PPR working with Business team
- Ensuring credit risk is properly quantified and adequate provisions are allocated for expected losses. Work closely with business stakeholders in forecasting / budgeting the provision. Tracking the actual performance with budget to identify high risk segments if needed.
- Prepare comprehensive reports for internal stakeholders and regulatory bodies ensuring accuracy and timeliness.
- Coordinate with IT and data management teams to ensure the integrity and availability of data sources.
- Engage with product collections and underwriting teams to refine credit strategies
- Review and manage data tables for underwriting and portfolio indicators and develop automated dashboards for reporting
- Prepare and provide data for development of applications score cards and support the Head of Retail Analytics in developing analytics based scorecards
- Provide data-driven recommendations for the development and revision of credit policies
Specialist Skills / Technical Knowledge Required for this role:
- Strong command of data analysis tools such as SQL SAS Python R and data visualization platforms like Power BI or Tableau.
- Strong analytical and problem-solving abilities.
- Ability to work with large databases and automate report generation process
Required Experience:
Unclear Seniority