- United Arab Emirates
- 3–7 years
Assistant Manager – Credit Policy & MIS
Responsibilities
- Monitor unsecured lending portfolio performance across acquisition, customer lifecycle, delinquency, loss, recovery, and profitability dimensions.
- Develop and analyze MOB (Months on Book) and vintage curves to assess portfolio behavior, seasoning effects, stabilization patterns, and emerging risk trends.
- Evaluate key portfolio risk metrics, including delinquency rates, roll rates, flow rates, cure rates, bucket migration, NPA formation, write-offs, recoveries, and cost of risk.
- Perform detailed portfolio segmentation and deep-dive analyses across customer, channel, geography, employer category, score band, salary segment, and vintage cohorts.
- Monitor application and behavioral scorecards using metrics such as bad rates, Gini, KS, lift, PSI, calibration, score migration, overrides, and cut-off performance.
Requirements
- Bachelor's Degree in Statistics, Mathematics, Economics, Finance, Engineering, Data Science, Computer Science, or a related quantitative discipline