مساعد مدير نظم معلومات الائتمان والتحليلات

In line with the UAE Government’s strategy in empowering and developing nationals, Emirates NBD is committed to welcoming the young generation into an innovative, modern and supportive work environment to contribute to the nation's success.

We are looking to find the best UAEN talent to join our ENBD family.

Organization Unit Purpose:

Group Retail Risk is the Credit Policy unit for Retail Lending covering Personal Loans, Auto Loans, Credit Cards, Mortgages, Overdraft and SME.

Job Purpose:

Part of the team of Analysts, Statisticians and Database Managers in devising, developing, and enhancing MIS and analytical reports. Building comprehensive data platform and analytics pack for all Products.

1. Preparation of monthly risk dashboards and MIS for the Emirates NBD Retail portfolio

• Preparation of MIS decks and dashboards

• Deep dive on any portfolio deterioration

• Tracking delinquencies and losses against the Budget numbers

2. Assisting in preparation of loss forecast models for portfolios including Micro SME

• Liaise with product teams for volume budgets, finalizing the forecast model after considering various policy related factors. Validating the loss forecast model and tracking the actual against the plans.

3. Executing the segmentation models developed for credit and collections in Emirates NBD Retail and Micro SME portfolios on a monthly basis

• Ensuring the data is in-line with the signed off segmentation document

• Publishing the same to stakeholders on a timely basis

4. MIS reports and analysis for Emirates NBD Retail portfolio

• Portfolio update on a monthly basis

• Retention base generation for Personal Loans

• CLI and LOC base generation on agreed timelines

• Analysis of profitable segments on Credit Cards

• Preparation of all relevant material required for various decks

Education

• Graduate or above

Experiences

• 3 to 5 years of experience

Knowledge & Skills

• Microsoft Suite, SAS and other statistical tools

• Strong Analytical Skills

• Knowledge of retail asset banking products

• Good problem solving and communication skills

Responsibilities

1. Reliable credit portfolio monitoring through accurate MIS reporting

• Compile daily, weekly, and monthly credit MIS reports using approved templates and data sources to ensure portfolio transparency.
• Validate data integrity by cross-referencing source systems and resolving discrepancies before report submission.
• Coordinate with business units to clarify data anomalies and ensure completeness of reporting inputs.
• Escalate unresolved data quality issues to management for timely intervention.

Performance Measures:

• Accuracy of MIS reports as validated by internal audit or management review
• Timeliness of report delivery to stakeholders
• Stakeholder feedback on usefulness and clarity of portfolio monitoring outputs

2. Data-driven decision support for risk management teams

• Extract and prepare datasets for ad hoc analysis requests from risk and collections teams.
• Utilise data visualisation tools to present trends and exceptions in credit performance.
• Respond to queries from internal stakeholders regarding data definitions, sources, and interpretations.
• Document and maintain procedures for recurring analytics tasks to support knowledge transfer and consistency.

Performance Measures:

• Quality of data extracts and visualisations in supporting business queries
• Responsiveness to ad hoc analysis requests
• Consistency and completeness of analytics process documentation

3. Data integrity and compliance with regulatory reporting standards

• Adhere to internal controls and regulatory guidelines when preparing credit-related data for regulatory submissions.
• Perform routine checks to ensure data privacy and confidentiality in line with bank policy and MAS/EU regulations.
• Support periodic audits by providing requested data extracts and process documentation.
• Identify and flag potential data breaches or compliance gaps to the manager for escalation.

Performance Measures:

• Absence of regulatory findings related to credit MIS data quality
• Audit feedback on completeness and accuracy of data provided
• Compliance with data privacy and confidentiality protocols

4. Continuous improvement of MIS and analytics processes

• Identify opportunities to automate repetitive reporting tasks using available tools and scripts.
• Contribute suggestions for enhancing report formats or analytics methodologies based on stakeholder feedback.
• Participate in team discussions to review and update standard operating procedures for MIS processes.
• Support the implementation of new data tools or upgrades by testing outputs and reporting issues.

Performance Measures:

• Adoption of automation or process improvements in MIS activities
• Stakeholder satisfaction with enhancements to reporting and analytics
• Effectiveness of contributions to team process reviews and tool implementation

Qualifications

• Bachelor's degree in Finance, Statistics, Business, Information Systems, or related field
• Relevant certifications in data analytics or risk management (preferred)
• Ongoing professional development in banking regulations and data management