[Hiring] Vice President - Retail Credit Policy @Mashreq

Role Description

• Manage portfolio risk strategy and performance management for unsecured retail assets, including credit cards, personal loans, BNPL and other digital lending products.
• Own the end-to-end risk decision framework across acquisition, account management, line assignment, pricing, collections and customer lifecycle management.
• Use advanced analytics, segmentation and AI/ML models to optimize growth, credit quality, customer outcomes and risk-adjusted profitability.
• Provide the senior leadership team with forward-looking portfolio insights, clear risk appetite recommendations and timely actions to maintain losses, returns and capital consumption within plan.

Qualifications

• Education: Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Engineering, Computer Science, Data Science or a related quantitative discipline; postgraduate qualification is preferred.
• Experience: Typically 12–15 years in retail credit risk, portfolio management or risk analytics, including substantial leadership responsibility and direct exposure to credit cards, personal loans and digital lending/BNPL.
• Portfolio expertise: Proven ownership of acquisition and account-management strategies, vintages, roll rates, delinquency, loss forecasting, provisions, risk-adjusted profitability, limit management, collections strategies and portfolio optimization.
• Analytics and modeling: Strong command of statistical analysis, experimentation, segmentation, forecasting, scorecards and AI/ML applications across underwriting, behavioral risk, propensity, fraud and early warning.
• Technical capability: Hands-on proficiency in SQL and at least one analytical language such as Python, R or SAS; strong working knowledge of Power BI/Tableau, large datasets, data pipelines and cloud analytics environments.
• Decision frameworks: Demonstrated ability to translate analytics into executable cut-offs, pricing, limits, treatments and growth strategies with clear economics, controls and performance measurement.
• Governance: Sound understanding of model risk, responsible AI, explainability, fairness, data privacy, consumer protection, IFRS 9/provisioning concepts and Central Bank requirements relevant to retail lending.
• Leadership: Strong executive communication, stakeholder influence and people leadership, with the ability to challenge constructively and present complex risk-return choices to senior committees.

Requirements

• Set and execute portfolio strategies for credit cards, personal loans, BNPL and emerging digital credit propositions, aligned with approved risk appetite, growth plans and regulatory requirements.
• Own portfolio performance across approval rates, activation, utilization, balances, yield, delinquencies, roll rates, loss rates, risk charge, vintage performance, expected credit loss, capital and risk-adjusted returns.
• Develop granular customer, product, channel, employer, income and behavioral segmentation to identify growth pockets, emerging risks and differentiated treatment strategies.
• Design and govern risk decision frameworks covering eligibility, score cut-offs, affordability, limits, tenor, pricing, line management, cross-sell, collections and exit strategies.
• Lead champion–challenger tests and controlled experiments; define success metrics, guardrails and post-implementation monitoring to scale profitable strategies safely.
• Partner with data science teams to develop, validate and deploy application, behavioral, propensity, fraud and early-warning models using traditional and alternative data.
• Establish responsible AI and model governance, including explainability, fairness, drift, stability, override, monitoring and human-oversight standards.
• Build executive dashboards, forecasts and scenario analyses linking risk drivers to revenue, margin, credit cost, operating expense, capital and lifetime customer profitability.
• Define early-warning indicators, portfolio triggers and remediation playbooks for adverse trends, concentration risks and macroeconomic or market shocks.
• Provide independent retail credit risk challenge for new products, partnerships, fintech propositions and material changes to customer journeys or decision engines.
• Ensure compliance with Central Bank requirements, internal policies, model risk standards, consumer protection expectations and audit requirements.
• Lead, coach and develop a high-performing portfolio analytics team and strengthen data-driven decision making across Retail Banking.

Benefits

• Delivering superior service to clients by leading with innovation.
• Treating colleagues with dignity and fairness while pursuing opportunities that grow shareholders value.
• Actively contributing to the community through responsible banking.

Company Description

The leading financial institution in MENA, we proudly think like a challenger, startup, and innovator in banking and finance, powered by a diverse and dynamic team who put customers first. Together, we pioneer key innovations and developments in banking and financial services. Our mandate? To help customers find their way to Rise Every Day, partnering with them through the highs and lows to help them reach their goals and unlock their unique vision of success.