Assess and review the Bank's Retail Lending Policy & Process (Scoring system) via planning and coordinating tasks and activities designed to accomplish business goals through effective resources management to meet existing customers needs, internal requirements of the bank and attract new customers.
· Maintains clear lines of communication with different areas of the bank, operates within the statutory regulations of the Central Bank of Kuwait and manages relationships with relevant internal divisions to ensure effectiveness and efficiency of workflow and business results.
· Recommends amendments to credit policy to increase profitability, improve asset quality as well as ensuring consistency of credit decisions.
· Recommends lending limits in line with Bank's or Banks policies to ensure compliance based on statistical analysis.
· Identifies weakness and gaps in the credit policy and reports them along with the recommendations to the RBD management for review and discussion.
· Develop short-term and long-term baseline goals and objectives for the scoring system by developing key metrics as performance standards and goals. Monitor and communicate metrics, modifying standards.
· Act as the main point of contact with the system vendor for system issues. Including the implementation of approved recommendations into the credit scoring system.
· Stay up to date on local, regional and international treads in credit policy, credit scoring, credit product segmentation, and NPL levels.
· Directly maintain credit policies, lending rules and other requirements within the credit scoring system. Including extracting various reports from the system as well as continuously validating that appropriate cutoff levels are producing credit decisions in line with the Bank's risk appetite and budgeted income targets.
· Directly manages and develops subordinate staff members, who report to the Portfolio Analyst.
Desired Candidate Profile
- Retail Credit Scoring Experience
- Excellent Analytical and Statistical Skills
- Provide Recommendations to: Improve Lending, Improve Process time, Credit Scoring ranges
- Retail Lending Process Experience
- Retail Credit Policy Experience
- Retail Credit Scoring System experience (FICO preferable)
- Report creation and management information generation (i.e. MIS)
- Retail Behavioral Scoring experience
- System programming experience
Contact Details
Name/ Designation:
Mrs. Rakhi T. Sachdeva - Recruitment Manager
LandLine:
0096522622757 Ext : 202
Website
http://www.career-hunters.com