AVP, Portfolio Performance, Personal Banking

AVP, Portfolio Performance, Personal Banking — First Abu Dhabi Bank Location: Abu Dhabi, UAE Job Purpose: This role will be responsible to manage the Portfolio Analytics function under Portfolio and Policy Governance to enable effective and meaningful analysis to drive via analytical tool and metrics to drive decision making on portfolio actions. Use of SAS toolset (SAS, SQL, VBA, Macros, R, Python, E-miner) to increase efficiency and align to overall banks strategic direction towards automation. Manage all reporting activities for Credit and Collections unit to Central Bank. Key Accountabilities: Use analytics to provide insights into portfolio behaviour and various business segments to drive improvement in portfolios and identify high risk segments and opportunities. Provide analysis and recommendations from insights into customer profiling, customer behaviour and credit performance and devise solutions to acquire profitable portfolio by balancing risk and reward. Engage and work closely with key stakeholders to define and shape analytical reporting requirements, delivering tactical solutions and carrying out forecasts to deliver profitable growth. Automation of credit analytics using advanced techniques on SAS, SQL, VBA, Macros, R, Python, E-miner and other available tools. Manage monthly and quarterly portfolio reporting activities within the bank including reports to business heads and credit committees. Company level performance monitoring on monthly basis to be shared with policy team for review and actions. Portfolio reporting Annual forecasting for credit losses. Monitor and close tracking of key performance metrics related RAF, provisions, impairments etc. Quarterly reforecasting based on YTD actuals. Set up independent controls to monitor key risks associated, monitor test programs, triggers and ensure highlighting appropriately for timely action. Complete regulatory and internal reporting requirements on time. Ensure any data requirements from CBUAE are ensured within timelines provided. Ensure governance within the unit and ensure all audit items are closed on timely basis. Allocation of sample cases to Quality team based on well-defined metrics. Ensure all processes are documented. Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important to drive change. Mentor, motivate and help develop the skills of team members. Specific Accountability Portfolio analytics Establish portfolio monitoring and reporting mechanism Qualifications & Experience: Minimum Qualification Bachelor’s degree or equivalent. Minimum Experience Experienced professional in Credit Analytics for minimum of 7 years Working knowledge of Portfolio monitoring, MIS reporting and regulatory reporting. Knowledge of Statistical and Analytics tools –SAS, SQL, ORACLE etc Understanding of Credit Risk at a broad level and working knowledge of Retail Portfolios. About First Abu Dhabi Bank: About Us: First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients. Life at FAB: Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to "Grow Stronger." We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization Career Development: FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development. Our Values: At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication. Join our team and be part of a journey to shape the future of banking.

Bachelor’s degree or equivalent. Experienced professional in Credit Analytics for minimum of 7 years. Working knowledge of Portfolio monitoring, MIS reporting and regulatory reporting. Knowledge of Statistical and Analytics tools – SAS, SQL, ORACLE etc. Understanding of Credit Risk at a broad level and working knowledge of Retail Portfolios.

Job Purpose: This role will be responsible to manage the Portfolio Analytics function under Portfolio and Policy Governance to enable effective and meaningful analysis to drive via analytical tool and metrics to drive decision making on portfolio actions. Use of SAS toolset (SAS, SQL, VBA, Macros, R, Python, E-miner) to increase efficiency and align to overall banks strategic direction towards automation. Manage all reporting activities for Credit and Collections unit to Central Bank. Key Accountabilities: Use analytics to provide insights into portfolio behaviour and various business segments to drive improvement in portfolios and identify high risk segments and opportunities. Provide analysis and recommendations from insights into customer profiling, customer behaviour and credit performance and devise solutions to acquire profitable portfolio by balancing risk and reward. Engage and work closely with key stakeholders to define and shape analytical reporting requirements, delivering tactical solutions and carrying out forecasts to deliver profitable growth. Automation of credit analytics using advanced techniques on SAS, SQL, VBA, Macros, R, Python, E-miner and other available tools. Manage monthly and quarterly portfolio reporting activities within the bank including reports to business heads and credit committees. Company level performance monitoring on monthly basis to be shared with policy team for review and actions. Portfolio reporting Annual forecasting for credit losses. Monitor and close tracking of key performance metrics related RAF, provisions, impairments etc. Quarterly reforecasting based on YTD actuals.  Set up independent controls to monitor key risks associated, monitor test programs, triggers and ensure highlighting appropriately for timely action. Complete regulatory and internal reporting requirements on time. Ensure any data requirements from CBUAE are ensured within timelines provided.  Ensure governance within the unit and ensure all audit items are closed on timely basis. Allocation of sample cases to Quality team based on well-defined metrics. Ensure all processes are documented.  Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important to drive change. Mentor, motivate and help develop the skills of team members.   Specific Accountability Portfolio analytics  Establish portfolio monitoring and reporting mechanism Qualifications & Experience: Minimum Qualification Bachelor’s degree or equivalent. Minimum Experience Experienced professional in Credit Analytics for minimum of 7 years Working knowledge of Portfolio monitoring, MIS reporting and regulatory reporting.  Knowledge of Statistical and Analytics tools –SAS, SQL, ORACLE etc  Understanding of Credit Risk at a broad level and working knowledge of Retail Portfolios.