UAE National - Credit Risk Analyst | Al-Futtaim Finance | Dubai

UAE National - Credit Risk Analyst | Al-Futtaim Finance | Dubai

4-7 years
Not Specified

Job Description

Job Requisition ID: 111227
No two days are the same at Al-Futtaim, no matter what role you have. Our work is driven by the desire to make a difference and to have a meaningful impact with the goal of enriching everyday lives. Take our engaging and supportive work environment and couple it with a company culture that recognises and rewards quality performance, and what do you get The chance to push the limits every single day.
As a humble family business that started on the banks of the Dubai Creek in the 1930s, Al-Futtaim has expanded to a presence in 31 countries, a portfolio of over 200 companies, and 42,000 employees. You'll find us in industries ranging from automotive and retail, to finance and real estate, and connecting people with international names like Lexus, Ikea, and Adidas. Our team is proudly multicultural and multinational because that kind of diverse representation gives us the global mindset to grow and impact the people, markets, and trends around us.
Come join us to live well, work better, and be the best.
The Credit Risk Analyst will support in the Risk Management of Captive Finance and In-house Finance (IHF) Credit Risk Assessment functions. The person will be responsible for Portfolio Analytics and Underwriting for various Al-Futtaim Automotive portfolio. The job role will also involve escalation of cases which are beyond the delegated authority of person. Similarly, the person would receive escalation cases from levels below him.
Job Responsibilities
  • Support in development of a Credit Risk Framework (Risk Policy Guidelines, Policy Renewal Program, Portfolio Credit Management, Risk Process) for all segments (within UAE) and markets (across GCC)
  • Performing detailed analytics (analysis of underwritten portfolio along with analysis of collections data).
  • Create Risk reporting dashboards for various segments and countries
  • This role will be actively involved in the underwriting process for IHF/Captive Finance
  • Proactively monitor key credit risk metrics relating to product, channel, exceptions and vintage performance
  • Document performance versus risk profiles and thresholds
  • Provide suggestions for improvement
  • Risk Management and reporting Underwrite Credit Cases
  • Prepare Credit Appraisal reports for large value cases
  • Risk management of residual values
  • Supporting governance of residual values
  • Maintenance of Risk Register
  • Support Risk Reporting for all customer segments
  • Manage annual policy review and portfolio thresholds
  • Ensure the understanding and acceptance of Risk criteria and KPIs at each level
  • mplement and Monitor Credit Delegation framework in line with Group / Risk requirement
  • Regular Process of Risk reporting for all segments and markets
  • Create and Manage Training program for enhancing capabilities and improved risk decision making
  • Support development of technology infrastructure including deployment of IT system and support in its development / enhancement Governance, Control, and Risk
  • Understanding of Auto financing in GCC
  • Understand technical/regulatory matters affecting the business.

  • Undergraduate degree required. Advanced degree preferred
  • UAE National
  • Minimum of 4 years of experience in Corporate Credit underwriting. Experience in a combination of Retail and
  • Corporate Credit underwriting is preferred.
  • Any regional role in Credit Risk / Analytics and reporting is preferred
  • Excellent communication and relationship management skills with ability to influence and interact with senior management
  • Strong work ethic, ability to make decisions, and work under tight deadlines
  • Excellent analytical skills
  • Expertise in Risk Technology and Credit Lending systems preferred
  • Ability to analyze company financials and market conditions
  • Travelling to GCC and East Africa may be required

We're here to provide excellent service but a little help from you can ensure a five-star candidate experience from start to finish.
Before you click 'apply': Please read the job description carefully to ensure you can confidently demonstrate why this opportunity is right for you and take the time to put together a well-crafted and personalised CV to further boost your visibility. Our global Talent Acquisition team members are all assigned to specific businesses to ensure that we make the best matches between talent and opportunities. We not only consider the requisite compatibility of skills and behaviours, but also how candidates align with our Values of Respect, Integrity, Collaboration, and Excellence.
As part of our candidate experience promise, we also want to make ourselves available to you throughout the application process. We make every effort to review and respond to every application.

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