Assistant Manager - Credit MIS and Analytics (UAE National)

Role Overview

Assistant Manager - Credit MIS and Analytics at Emirates Islamic Bank, UAE. This role is open to UAE Nationals in line with the UAE Government's strategy for empowering and developing nationals.

Company Overview

Emirates NBD Group's Retail Risk unit serves as the Credit Policy function for Retail Lending, covering Personal Loans, Auto Loans, Credit Cards, Mortgages, Overdraft and SME products. The organization is committed to welcoming young talent into an innovative, modern and supportive work environment.

Role Purpose

Part of a team of Analysts, Statisticians and Database Managers, this role focuses on devising, developing, and enhancing MIS and analytical reports. The position builds comprehensive data platforms and analytics packs for all products while supporting risk management and credit portfolio monitoring through accurate data and compliance standards.

Key Responsibilities

Monthly Risk Monitoring and Reporting

• Prepare monthly risk dashboards and MIS decks for the Emirates NBD Retail portfolio.
• Conduct deep dive analysis on any portfolio deterioration.
• Track delinquencies and losses against budget numbers.
• 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.

Loss Forecasting and Segmentation

• Assist in preparation of loss forecast models for portfolios including Micro SME.
• Liaise with product teams for volume budgets and finalize forecast models after considering policy-related factors.
• Validate loss forecast models and track actual results against plans.
• Execute segmentation models developed for credit and collections in Emirates NBD Retail and Micro SME portfolios on a monthly basis.
• Ensure data aligns with signed-off segmentation documentation.
• Publish segmentation outputs to stakeholders on a timely basis.

Portfolio Analysis and Reporting

• Provide monthly portfolio updates for Emirates NBD Retail.
• Generate retention bases for Personal Loans.
• Generate CLI and LOC bases on agreed timelines.
• Analyze profitable segments on Credit Cards.
• Prepare all relevant material required for various decks.

Data-Driven Decision Support

• 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.

Compliance and Data Integrity

• 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.

Process Improvement

• 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.

Qualifications & Experience

• Bachelor's degree in Finance, Statistics, Business, Information Systems, or related field.
• 3 to 5 years of experience.
• Relevant certifications in data analytics or risk management (preferred).
• Ongoing professional development in banking regulations and data management.

Skills & Competencies

• Microsoft Suite, SAS and other statistical tools.
• Strong analytical skills.
• Knowledge of retail asset banking products.
• Data visualisation tools.
• Good problem-solving and communication skills.

Additional Information

• This position is reserved for UAE Nationals in line with UAE Government strategy for developing nationals.