RAKBANK
AVP Policy Analytics – Retail Credit Risk
- Permanent
- Ras Al Khaimah, United Arab Emirates
- Experience 10 - 15 yrs
- Urgent
Job overview
Date posted
05/08/2025
Location
Ras Al Khaimah, United Arab Emirates
Salary
Undisclosed
Compensation
Comprehensive package + relocation
Experience
10 - 15 yrs
Seniority
VP/Executive
Qualification
Bachelors degree
Expiration date
19/09/2025
Job description
The AVP Policy Analytics – Retail Credit Risk at RAKBANK leads data-driven analysis to refine and optimize credit risk policies across retail lending products, particularly credit cards and personal loans. The role requires expertise in SAS and Python, risk strategy design, portfolio monitoring, and regulatory compliance. This is a critical function reporting directly to the Head of Retail Risk and Policy, working cross-functionally to align analytics with business growth objectives.
Required skills
credit risk analytics
retail lending
SAS programming
Python programming
Power BI
data visualization
policy strategy development
risk-reward optimization
portfolio monitoring
regulatory compliance
credit cards risk analytics
personal loans risk analysis
dashboard development
stakeholder alignment
governance reporting
decision logic implementation
data segmentation analysis
portfolio quality management
team leadership
Key responsibilities
- Conduct data-driven analytics to refine credit policies and support profitable retail lending growth.
- Identify customer segmentation and risk-reward trade-off opportunities through advanced analytics.
- Design and implement decision logic using SAS or Python for policy execution and monitoring.
- Ensure compliance with internal governance and regulatory requirements through robust documentation.
- Monitor retail lending portfolios and identify emerging risks to inform policy adjustments.
- Collaborate with business teams to align risk strategies with growth goals while maintaining credit quality.
- Build Power BI dashboards to visualize portfolio performance and key risk indicators.
- Efficiently manage analytical resources to deliver high-impact business insights.
Experience & skills
- Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Data Science, or related field.
- Minimum 10 years of experience in credit risk analytics; 3–5 years in a senior or leadership role.
- Proven expertise in retail lending and credit card risk strategy.
- Strong command of SAS and Python for analytics and decision-making logic.
- Experience in building dashboards with Power BI.
- Excellent stakeholder management, strategic thinking, and presentation skills.
- Ability to lead analytical teams and mentor junior talent.
- Meticulous attention to detail and a strong compliance mindset.