İzmir, Aegean Region, Turkey · Remote OK
Job Purpose • Responsible for lending/financing Policies / Framework for specific products in UAE. • Author and manage the credit criteria and Risk Asset Acceptance Criteria for specific products. • Responsible for portf…
Skills: Credit Risk Analytics, Retail Risk Management, Policy Formulation, Statistical Modeling, Machine Learning
Bengaluru, Karnataka, India · Remote OK
All processing should be as per SOP/OPM’s and UCP/ISBP/ISP as applicable and charges recovery to be as per the extant guidelines. · Perform sanction checking of relevant parties in documents · Handle Commodity Trade Oper…
Skills: Trade Operations, Letter of Guarantee, Letter of Credit, SWIFT, UCP/ISBP/ISP
Egypt · On-site
Oversee the delivery of infrastructure services in Egypt. Manage, plan, and ensure the efficient day-to-day operation of the country’s infrastructure. Monitor all network and data center activities within the country. Ac…
Skills: Infrastructure Management, Network Engineering, System Engineering, Data Center Operations, Incident Management
Egypt · On-site
We are seeking an experienced Credit Risk Assistant Manager to join our Corporate Credit Risk team in Egypt. The successful candidate will play a key role in evaluating and monitoring corporate credit exposures, reviewin…
Skills: Corporate Credit Risk, Financial Analysis, Credit Proposals, Portfolio Risk Management, Risk Rating
Egypt · On-site
The Head of Mashreq NEO BIZ is responsible for spearheading the bank's digital transformation for SMEs in Egypt, targeting the NEO BIZ segment. This role involves developing innovative digital banking propositions, desig…
Skills: Digital Transformation, SME Banking, Product Ownership, Agile Methodologies, Customer Journey Design
United Arab Emirates · On-site
Job Purpose The primary objective of the role is to drive cash management revenues and attract high quality liabilities by winning cash management mandates by targeting clients for business across the region. Key Result …
Skills: Cash Management, Business Development, Collections, Payments, Liquidity Management
Bengaluru, Karnataka, India · Remote OK
Job Purpose The Manager, Decarbonisation Specialist is a critical technical role within the Global ESG & Sustainability team, responsible for supporting the bank's efforts to measure, track, and accelerate the decarboniz…
Skills: GHG Accounting, PCAF Standard, Science Based Targets, Climate Science, Data Analysis
Egypt · On-site
JOB DESCRIPTION 1 Job Title Head of Customer Care & Social Care Direct Supervisor Head of Client Experience 2 Job Purpose Drive and champion a customer-centric complaint resolution standard across the Bank, ensuring supe…
Skills: Complaint Management, AI Automation, Root Cause Analysis, Customer Experience Strategy, NPS Improvement
United Arab Emirates · On-site
Job Purpose Handling end-to-end corporate client onboarding with focus on new-to-bank relationships across UAE, Mashreq’s footprint markets, and non-presence countries including KSA. This will entail preparing high-quali…
Skills: Credit Risk Management, Corporate Banking, Financial Analysis, Credit Proposal Preparation, Due Diligence
United States · On-site
$175k–$225k/yr
Job Purpose The RM will work closely with senior bankers to provide overall relationship management support, contribute to the revenue and asset growth targets of the Unit, while maintaining high client service standards…
Skills: Relationship Management, Corporate Lending, Credit Analysis, Report Writing, Capital Market Products
United Arab Emirates · On-site
Source new business volumes through various sales activities for SME Asset Team specializing in SSBL and LRD Loans .End to End Sales (self-closure)Self-sourcing new loan applications Sourcing New clients Portfolio manage…
Skills: Business Development, SME Asset Management, Loan Sourcing, Portfolio Management, Cross Selling
Bengaluru, Karnataka, India · Remote OK
We are seeking a talented and experienced Manager to join our Technology team within the RBG-Wealth Management Services department at Mashreq Global Services. The Manager will play a crucial role in driving the developme…
Skills: Software Development, Team Leadership, Database Management, DevOps, Backend Development
United Arab Emirates · On-site
This role is responsible for leading Retail technology transformation initiatives across Risk, Regulatory systems, and digital banking platforms with close interaction of business heads (RBG, Credit Management, Risk, CX …
Skills: Risk Management, Regulatory Systems, Digital Banking Platforms, Platform Modernization, Delivery Governance
United Arab Emirates · On-site
As an Area Sales Manager, you will play a pivotal role in driving the success of our mortgage business. Your primary responsibility will be to lead, motivate, and develop a high-performing sales team, ensuring they meet …
Skills: Team Management, Sales Leadership, Broker Relations, Stakeholder Engagement, Communication
United Arab Emirates · On-site
Job Purpose Assist in structuring, executing and originating Debt Capital Market transactions as a key offering within Mashreq Investment banking Division. A special emphasis of deal origination and executions on the CIS…
Skills: Debt Capital Markets, Deal Origination, Deal Execution, Quantitative Skills, Presentation Skills
United Arab Emirates · On-site
This role owns the end-to-end digital onboarding and acquisition journeys for Business Banking customers, acting as the primary interface between business decision-makers and delivery teams. The PO drives customer acquis…
Skills: Product Ownership, Digital Onboarding, Customer Acquisition, Product Backlog Management, Open Banking
United Arab Emirates · On-site
The Vice President, Operational Emissions will lead the strategy, measurement, and reduction of Scope 1,2 and Scope 3 greenhouse gas (GHG) emissions across the bank’s global operations, including real estate, data center…
Skills: GHG Accounting, Project Management, Data Analysis, Stakeholder Engagement, Communication
Egypt · Remote OK
Job Title: Problem Manager Department: Technology – Service Management Experience Required: 8–10 years Industry Background: Banking and Financial Services Technical Exposure: ITIL, Core Banking Systems, AI-based Problem …
Skills: Problem Management, Incident Management, Root Cause Analysis, ITIL, Core Banking Systems
Egypt · On-site
to be added The leading financial institution in MENA While more than half a century old, we proudly think like a challenger, startup, and innovator in banking and finance, powered by a diverse and dynamic team who put c…
Skills: Leadership, Operations Management, Logistics, Financial Services, Customer Service
Egypt · On-site
- MS SQL DBA as major on experience - SQL Always ON - SQL server Database Administration (backup and recovery, SQL installation, SQL Patching) - Database Performance turning - Security implementation - Handson Experience…
Skills: MS SQL Server, SQL Always On, Database Administration, Database Performance Tuning, Oracle Database Administration
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Responsible for developing and managing retail credit policies, lending frameworks, and risk asset acceptance criteria for products in the UAE. The role focuses on balancing portfolio growth with risk mitigation while driving the automation of underwriting processes.
Requires a bachelor's degree in a quantitative field and 10-12 years of experience in banking with a focus on credit risk analytics and policy. Proficiency in Python, R, SAS, SQL, and AI/ML frameworks is essential for data-driven decision making.
Job Purpose
• Responsible for lending/financing Policies / Framework for specific products in UAE.
• Author and manage the credit criteria and Risk Asset Acceptance Criteria for specific products.
• Responsible for portfolio quality and portfolio management strategy by defining retail credit policy / lending / financing parameters.
• Responsible for the retail bank’s strategy on ‘Risk’ & ‘Growth’ areas through
appropriate retail credit policy actions.
• Achieve the planned risk charge for retail products by ensuring quality acquisitions, by working with underwriting units to improve lending criteria from time to time, making them digital friendly, and by initiating portfolio measures to improve / stabilize flow rates on a continual basis
Key Results Areas
• Update and maintain Retail Credit Policy Manual which is the framework for the individual Product programs.
• Ensure all retail credit policies are aligned with the strategies’ orientation and target segment that the bank wants to grow.
• Ensure product programs in UAE for the products are aligned and standardized and are within the retail banking lending framework.
• Comprehensive review of the portfolios in UAE on an ongoing basis.
• Provide inputs on all strategic initiatives from retail risk perspective – portfolio, acquisitions, retail credit portfolio management, central bank regulation, provisioning norms for retail portfolios.
• Compliance with Central bank Regulations pertaining to retail risk – impact analysis and implementation.
• Actively work with business, risk, legal departments amongst others in developing portfolio strategy with respect opportunities and threats, risks and rewards and portfolio mix based on portfolio segmentation and performance as well as economic, market and competitive intelligence to grow the portfolio profitability, to focus on risk adjusted returns and economic profitability while keeping credit risk under control.
• Maintain predictability of portfolio performance through regular risk charge monitoring. Also, ensure the achievement of risk charge numbers on an ongoing basis by ensuring that they are within plan.
• Drive automation of policies and processes by working together with underwriting team and other relevant stakeholders
• Review and recommend to senior managers all new product launches and any significant changes to existing policies.
• Additionally for secured products viz., mortgages / secured overdrafts / auto loans. Ensure only appropriate asset classes are approved as collateral under the PPG
and at appropriate LTV’s
Ensure security perfection and appropriate legal structure approval (Ijarah vs conventional etc.)
• Ensure satisfactory audit rating and consumer examination ratings for the retail credit policy unit.
Knowledge Skills and Experience
• Bachelors Degree in Mathematics, Statistics, Data Science, Computer Science, Economics, or related quantitative discipline from a reputed institution.
• Minimum 10-12 years of experience in banking / financial services with strong exposure to credit risk analytics, retail risk management, and policy formulation, preferably in unsecured lending portfolios.
• Strong foundation in statistical modeling, machine learning, and advanced analytics applied to credit underwriting, scorecards, and portfolio management. Familiarity with AI/ML frameworks
• Ability to translate data-driven insights into credit policy actions to optimize risk-return trade-offs.
• Advanced proficiency in Python / R / SAS / SQL for data analysis and model development.
• Strong expertise in data visualization tools such as Power BI and Tableau.
• Experience working with large datasets, data pipelines, and cloud-based analytics environments is preferred.
• Exposure on dealing with unconventional datasets, like unstructured data and alternate data for refining the lending strategies.
• Domain Knowledge:
• Deep understanding of retail credit risk frameworks, portfolio dynamics, and regulatory requirements (including Central Bank guidelines).
• Awareness of industry best practices in AI-driven credit decisioning, digital underwriting, and risk-based pricing.
• Ability to integrate AI-driven insights into business strategy, balancing growth and risk, with focus on ethical AI use.
• Strong stakeholder management and communication skills, with the ability to explain complex analytical outputs to senior leadership.
• Strategic mindset with focus on portfolio optimization, early warning indicators, and proactive risk mitigation.
• Exposure to digital lending platforms, fintech ecosystems, or AI-enabled underwriting systems.
• Prior experience in product strategy or portfolio management will be an added advantage.
• Effective communication, presentation and data analytical skills are mandatory.
• Prior experience in Product Management would be an added strength.
We are Mashreq - Inspiring you to Rise Every Day
Disclaimer: Mashreq will never ask for your bank related information via phone call, SMS or email. We will also never contact you from a mobile number to resolve your query. Welcome to the LinkedIn page of Mashreq. More than half a century old, 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. Join Mashreq and find your way to Rise Every Day.
Offices: Mashreq Bank PSC, Umniyati Street (off Al Asayel Street Burj Khalifa Community, Dubai, UAE, AE
We are Mashreq - Inspiring you to Rise Every Day
Disclaimer: Mashreq will never ask for your bank related information via phone call, SMS or email. We will also never contact you from a mobile number to resolve your query. Welcome to the LinkedIn page of Mashreq. More than half a century old, 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. Join Mashreq and find your way to Rise Every Day.
Offices: Mashreq Bank PSC, Umniyati Street (off Al Asayel Street Burj Khalifa Community, Dubai, UAE, AE
