Retail Risk Analyst

Found in: beBee S QA - 4 weeks ago


Qatar Doha Bank Full time

Role Objective:

The Retail Risk Analyst will be assisting the Retail Risk Manager in identifying, reporting and analyzing portfolio risk of Retail Products, and in developing new Projects and Strategies for enhancing productivity in Collection and Recovery areas, in line with all approved policies and procedures of Doha Bank and QCB and other relevant regulatory framework. The Incumbent will be managing the banks Retail Target market list and centralize the MIS by focusing on extensive data mining, distilling and distributing intelligence reports.

Requirements:

  • Bachelor degree in Business or Banking or Finance or any other related discipline.
  • 06-10 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline
  • Experience in retail credit review and analysis in banking industry.
  • FRM / PRM or equivalent qualifications would be desirable
  • Proficiency in data analysis tools such as Python, SQL, and Power BI are essential for this role.

Detailed Roles and Responsibilities

  • Ensure compliance with local/foreign regulations, Doha Bank policies, and approved Credit Risk Evaluation policies and procedures.
  • Assist in analyzing Retail portfolio and policy reviews, identifying gaps, and suggesting policy revisions/remedial actions for maintaining a quality portfolio.
  • Review and analyze processes/systems, recommending improvements for effective control and efficient monitoring of the portfolio.
  • Review loan applications for exceptions to credit policies, conduct field visits for Retail Target market listings, and evaluate business potential.
  • Monitor and recommend changes to Credit Policies, ensuring thorough review and analysis of documentation for various credit proposals.
  • Implement and review new processes/systems/procedures, evaluate product program performance, and monitor deviations from policies.
  • Monitor Temporary overdrafts, past dues, and portfolio irregularities, highlighting high-risk segments for timely mitigation actions.
  • Develop and implement 'early warning systems' for proactive risk management and compile reports on retail loan portfolio trends.
  • Review and classify accounts as per regulators, analyze past due reports, and assess performance of rescheduled NPL accounts.
  • Conduct site inspections, customer meetings, and assist in credit risk internal rating exercises.
  • Prepare accurate information for external/internal auditors and Compliance function as directed by Retail Risk Manager/Dept. Head - Credit Risk.
  • Provide timely and accurate periodic/ad-hoc reports, including TOD Analysis, Reclassification of accounts, Vintage analysis, and Portfolio Analysis.
  • Maintain the highest standards of confidentiality, professional conduct, ethics, and integrity in service provision.
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