Credit Risk Analyst - Hertz - Al Futtaim - Dubai
Al Futtaim Private Company LLC, United Arab Emirates
Job Description
No two days are the same at Al-Futtaim, no matter what role you have. Our work is driven by the desire to make a difference and to have a meaningful impact with the goal of enriching everyday lives. Take our engaging and supportive work environment and couple it with a company culture that recognises and rewards quality performance, and what do you get? The chance to push the limits every single day.
As a humble family business that started on the banks of the Dubai Creek in the 1930s, Al-Futtaim has expanded to a presence in 31 countries, a portfolio of over 200 companies, and 42,000 employees. You’ll find us in industries ranging from automotive and retail, to finance and real estate, and connecting people with international names like Lexus, Ikea, Robinsons, and Adidas. Our team is proudly multicultural and multinational because that kind of diverse representation gives us the global mindset to grow and impact the people, markets, and trends around us.
Come join us to live well, work better, and be the best.
Risk Analyst will support in the Risk Management of Captive Finance and In-house Finance (IHF) Credit Risk Assessment functions. The person will be responsible for Portfolio Analytics and Underwriting for various Al-Futtaim Automotive portfolio (including AFTRS - Hertz portfolio). The job role will also involve escalation of cases which are beyond the delegated authority of person. Similarly, the person would receive escalation cases from levels below him.
The role will include the following responsibilities:
Support in development of a Credit Risk Framework (Risk Policy Guidelines, Policy Renewal Program, Portfolio Credit Management, Risk Process) for all segments (within UAE)
Performing detailed analytics (analysis of underwritten portfolio along with analysis of collections data).
Create Risk reporting dashboards for various segments and countries
This role will be actively involved in the underwriting process for IHF/Captive Finance
Proactively monitor key credit risk metrics relating to product, channel, exceptions and vintage performance
Document performance versus risk profiles and thresholds
Provide suggestions for improvement
Job Specification
Risk Management and reporting
Underwrite Credit Cases
Prepare Credit Appraisal reports for large value cases
Risk management of residual values
Supporting governance of residual values
Maintenance of Risk Register
Support Risk Reporting for all customer segments
Manage annual policy review and portfolio thresholds
Ensure the understanding and acceptance of Risk criteria and KPIs at each level
Implement and Monitor Credit Delegation framework in line with Group / Risk requirement
Regular Process of Risk reporting for all segments and markets
Create and Manage Training program for enhancing capabilities and improved risk decision making
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As part of our candidate experience promise, we also want to make ourselves available to you throughout the application process. We make every effort to review and respond to every application.