Key AccountabilitiesRetail Credit OperationsConduct underwriting activities (i.e., analysing credit applications, reviewing credit bureau reports, deciding/recommending loan applications) and ensure quality and adherence to credit policies/criteria.Maintain the Approved List of Companies for Retail LendingConduct post review on applications approved by business and highlight the errors to the business as a part of ongoing training and to reduce the error rate to 0%.Attending Business enquiries related to various product policies.Support in Enhancing Retail Lending automation projectsOther AccountabilitiesCredit MonitoringIdentify and report early warning signs of deterioration and follow up with relevant business counterparts in order to proactively deal with any issues.Prepare required reports and dashboards including financing volume reports for use in planning, forecasting and performance monitoring.Review and propose policy/criteria change as and when needed.Monitor and control performance of product campaignsMonitor Employer level performance and recommend appropriate actionSkillsQualification and ExperienceMinimum Qualifications:Bachelor degree in business-related major or equivalent ANDA globally recognised post-graduate degree or equivalent professional qualifications from a globally recognised institute in area of finance, economics and accounting (e.g. CFA, CA, CIMA, MBA) + Credit or Risk qualification from Banking bodies or FRM or PRM is preferable.Minimum Experience:Around 3 – 5 years of relevant experience in corporate banking and corporate credit functions including at least 5 years in positions of progressively increasing managerial responsibilities.2-3 years of local / GCC experience would be a big advantage indicating deep understanding of Gulf based corporate business clients, economic sectors, macro-economic factors and related country risks.Fair understanding of / experience in assessing contract finance, real estate finance, corporate banking (big, mid and SME) as well as Factoring / Trade Finance proposals;Key InteractionsAll related Department Heads and Staffs.CompetenciesAdaptability/FlexibilityCreativity/InnovationDecision Making/JudgmentDependabilityInitiativeIntegrity/EthicsPersonal OrganizationPlanningProblem Solving/AnalysisProcess transaction vouchers received from various Departments (internal)ProductivityQualityReceipt and verify the posting and payroll documents receivedResults FocusSelf DevelopmentSense of UrgencyStrategic Thinking/ManagementSummaryVision and ValuesSkillsAbility to interact with internal and external stakeholdersAbility to work under pressureArabic speaking preferredAwareness of local cultural and social factors, and labour law provisionsBilingual (Arabic & English)Bilingual language skills in English and ArabicKnowledge of various aspects government requirements and processes of visas, work permits, medical clearance etcNumerical skillsProficiency in oral and written English & Arabic (Preferred).Proficiency in written and spoken EnglishRisk ManagementTime Management skillsEducationBachelor’s Degree, preferably in Business-related major#J-18808-Ljbffr