Credit Policy Head - Saudi Arabia

Heading the Policy unit for Retail Risk. Preparing Product Policies (New & Revision) & approval from local management and Sharia Committee for all products
•  Having timely approvals from the Management on any product enhancement initiative
•  Pro-active Portfolio Management: encompassing management of the right portfolio skew, maintaining portfolio caps (providing Business direction)
•  Following local governance (best practices) model related to policies and procedure
•  Hands on Retail Risk Management/Credit experience of at-least 12 years, with a minimum of 5 years in Policy unit.
•  Reviewing compliance related matters effecting Business – based on local Regulatory requirements of SAMA
•  Stress Test Portfolio on semi-annual basis or earlier if required
•  To assist Retail Risk Head in different assignments and special projects.
•  To operate in a high pressure, credit automation driven environment.
•  Basel II experience is essential - Basel ll governance model (minimum capital requirement with PD, EAD & LGD) related to policies and procedure & ensures that Retail Risk is fully compliant / cognizant to Basel II requirements.
•  Establish and maintain effective working relationships with colleagues and other Cross-Functional areas.
•  Self development: ambitious with a strong desire and energy / willing to take on new challenges
•  Communication
•  Full familiarity with Product Financials & Risk Model.
•  Good knowledge of the legal and regulatory requirements relevant to the area of responsibility.
•  Evidence of ability to cope with fluid, fast moving complex environment.

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