AVP, Portfolio Performance, Personal Banking

Role Overview

AVP, Portfolio Performance, Personal Banking at First Abu Dhabi Bank (FAB).

Role Purpose

Manage the Portfolio Analytics function under Portfolio and Policy Governance to enable effective and meaningful analysis that drives decision-making on portfolio actions through analytical tools and metrics. Utilize the SAS toolset and advanced analytics to increase efficiency and align with the bank's strategic direction toward automation. Manage all reporting activities for the Credit and Collections unit to the Central Bank.

Key Responsibilities

Analytics & Insights

• Provide insights into portfolio behavior and various business segments to drive portfolio improvement and identify high-risk segments and opportunities.
• Provide analysis and recommendations from insights into customer profiling, customer behavior, and credit performance.
• Conduct annual forecasting for credit losses.
• Conduct quarterly reforecasting based on year-to-date actuals.

Portfolio Strategy & Solutions

• Devise solutions to acquire profitable portfolio by balancing risk and reward.
• Deliver tactical solutions and carry out forecasts to deliver profitable growth.
• Establish portfolio monitoring and reporting mechanisms.

Analytics Automation & Technical Delivery

• Automate credit analytics using advanced techniques on SAS, SQL, VBA, Macros, R, Python, E-miner, and other available tools.
• Engage and work closely with key stakeholders to define and shape analytical reporting requirements.

Risk Monitoring & Controls

• Set up independent controls to monitor key risks associated with the portfolio.
• Monitor and track key performance metrics related to RAF, provisions, impairments, and other relevant indicators.
• Monitor test programs and triggers and ensure highlighting appropriately for timely action.

Reporting & Compliance

• Manage monthly and quarterly portfolio reporting activities within the bank, including reports to business heads and credit committees.
• Monitor company-level performance on a monthly basis to be shared with the policy team for review and actions.
• Complete regulatory and internal reporting requirements on time.
• Ensure any data requirements from CBUAE are met within the timelines provided.

Governance & Quality

• Ensure governance within the unit and ensure all audit items are closed on a timely basis.
• Allocate sample cases to Quality team based on well-defined metrics.
• Ensure all processes are documented.

People & Team Leadership

• Mentor, motivate, and help develop the skills of team members.
• Work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important to drive change.

Qualifications & Experience

• Bachelor's degree or equivalent.
• Minimum 7 years of experience as a professional in Credit Analytics.
• Working knowledge of portfolio monitoring, MIS reporting, and regulatory reporting.
• Understanding of credit risk at a broad level and working knowledge of retail portfolios.

Skills & Competencies

• Knowledge of statistical and analytics tools: SAS, SQL, ORACLE, and similar platforms.
• Proficiency with SAS toolset including SAS, SQL, VBA, Macros, R, Python, and E-miner.
• Advanced analytical and forecasting techniques.
• Flexibility, collaboration, and adaptability to drive change.