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Description
At RAKBANK, we believe in fostering a culture of innovation, growth, and excellence. We are not just a bank – we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance.
About the role
The AVP Policy Analytics - Retail Credit Risk will lead data-driven credit policy analytics for retail lending, with a focus on credit cards and personal loans. The role demands hands on experience and expertise in SAS/Python to shape strategies, optimize risk-reward, and ensure regulatory compliance. You will report to the Head of Retail Risk and Policy. In this role, you’ll work closely with teams across various functions to drive alignment and results.
What You’ll Be Doing:
- Data driven analysis to refine advanced credit risk policies and strategies to support profitable growth in retail lending.
- Conduct deep-dive analytics to identify segmentation opportunities, optimize risk-reward trade-offs, and enhance policy effectiveness.
- Design and implement complex decision logic using SAS or Python to support policy execution and performance monitoring.
- Ensure compliance with internal governance and external regulatory requirements, supporting audits and submissions with robust documentation.
- Monitor portfolio dynamics and emerging risk trends to recommend proactive policy adjustments.
- Collaborate with business units to align risk strategies with growth objectives while maintaining portfolio quality.
- Build and maintain dashboards using Power BI to visualize key risk indicators and portfolio performance.
- Manage analytical resources efficiently to deliver high-impact insights aligned with business priorities.
What We’re Looking For:
- Education: Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Data Science, or a related quantitative field. Advanced degrees or certifications are a plus.
- Experience: Minimum of 10 years in credit risk analytics, with at least 3–5 years in a leadership or senior individual contributor role.
- Proven track record in policy analytics and retail lending, especially credit cards.
- Industry Exposure: Extensive experience in financial services, particularly in retail banking and consumer lending.
What’s In It For You:
- Competitive, performance-linked compensation.
- Medical coverage for you and your family.
- Comprehensive life insurance.
- Inclusive and diverse workplace culture.
- Career development and fast-track growth opportunities.
- Mentorship from industry experts.
Skills
- SAS and Python programming for analytics and logic implementation.
- Power BI dashboarding and data visualization.
- Understanding of retail credit risk modelling.
- Strategic thinking and stakeholder management.
- Strong communication and presentation skills.
- Team leadership and mentoring skills.
- High attention to detail and data accuracy.
- Adaptability in fast-paced environments.
Opportunity Details
About This Company
RAKBANK
RAKBANK, the trading name of the National Bank of Ras Al-Khaimah, is a public joint stock company, headquartered in the emirate of Ras Al-Khaimah, in the UAE. The Head Office of the bank is situated in RAKBANK Building, Emirates Rd, Ras Al-Khaimah. The bank is 52.75% owned by the Government of Ras Al-Khaimah.
Shares are publicly traded. Board consists of several members of the ruling family of the emirate of Ras-Al Khaimah and businessmen from UAE and Kuwait. The bank is engaged in providing retail and corporate banking services through a network of thirty three branches in the United Arab Emirates, but all the transactions are handled on a strictly commercial basis.
Board of Directors
H.E. Shaikh Omar bin Saqr Al-Qasimi Chairman U.A.E
H.E. Shaikh Salim bin Sultan Al-Qasimi Member U.A.E
Mr. Hamad Abdulaziz Al Sagar Member Kuwait
Mr. Abdul Aziz Abdulla Al Zaabi Member U.A.E
Mr. Yousuf Obaid Essa Al Nuaimi Member U.A.E
Mr. Ahmed Essa Al Naeem Member U.A.E
Mr. Salem Ali Abdulla Saeed Al Sharhan Al Nuaimi Member U.A.E