Senior Risk Analyst

Job description / Role

Job Purpose: To Develop and Analyze MIS reports pertaining to RETAIL/SME Banking products

Key responsibilities:
- Monthly report to be submitted to the Retail/SME Policy Head on the booking trends / portfolio presentation.
- Monthly report on the deviation number exceeding norms
- Monthly report on incremental bookings from policy changes
- Assisting Retail/SME Analytics Manager to develop Portfolio indicators through review
- Monthly MIS packs for all Retail/SME products
- Monthly report on the delinquent cases / / Provision cases
- Prepare the Retail/SME Policy Head in Portfolio risk management by providing necessary inputs and reports
- Provision calculation for Retail/SME products
- Preparing campaign base to create new business opportunity
- Assisting Manager-Risk Analytics in all projects
- Preparing Calling/Recovery/Skip/Non Starter/Cheque return list
- Preparing Daily delinquency/Attempts/contact/PTP details
- All adhoc reports pertaining to Retail/SME from various departments within the Bank
- Play as a effective backup to Manager - Risk analytics

Activities / Operations
- Periodically meet the Credit team for training and resolving issues pertaining to MIS
- Establish and maintain a close working relationship with the Policy team to understand the MIS required by them to facilitate decision making

Compliance
- Adhere and comply with applicable ADCB’s internal policies and procedures as well as governing regulations issued by concerned authorities
- Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines

Financial Targets
- Will not assume any personal financial targets

Job Dimensions

Quantifiable
- Error rates in MIS generated to be minimal
- Turnaround time for MIS reports to be as per the agreed SLA

Non quantifiable
- High standards of customer service. – Internal / External
- Attitudes and personal behaviour.
- Compliance with ADCB related policies and procedures

Key Results
- Prepare and analyze risk MIS pertaining to Retail/SME portfolio which would assist the stake holders( Policy Manager, Head of Retail/SME credit, Head of Consumer credit risk) to take decisions pertaining to portfolio and Retail/SME policies

Requirements

- Preferably Master Degree in a relevant subject (business, accounting & finance, Information Technology)
- Preferably Certificate course in IT programming
- Preferably 3 years experience in analytics function (Retail /SME)

Specialist Skills/Training required for the Job:
- Sound analytical and problem-solving skills.
- Have basic knowledge of risk concepts and banking products
- Expert Knowledge in SQL , Database management and MS office
- Effective communicator in any medium, internally and externally
- Determined and self-motivated
- Team player – inspires and encourages excellent performance in others to achieve common goals
- Cultural sensitivity and adaptability.

About the Company

ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate and currency derivatives, Islamic products, project finance, and property management services.