Head of Retail Credit Risk.Head of Retail Credit Management.Credit Management

- Lead and manage the end-to-end Retail Credit Risk function, encompassing Credit Policy formulation, Underwriting, Portfolio Risk Management, Fraud Risk Controls, Credit Decisioning Systems, and Quality Assurance across all retail lending products, including unsecured loans and secured lending.
- Ensure sustainable and profitable growth of the Retail Asset Portfolio, delivering stable performance and maintaining risk charge and delinquencies within the approved risk appetite, while optimizing risk-adjusted returns.
- Drive strategic digitization and automation of credit processes, enhancing customer experience, underwriting efficiency, and portfolio monitoring through AI/ML tools, real-time analytics, and digital decision engines.
Maintain strong governance and regulatory compliance, ensuring full alignment with UAE Central Bank regulations and local market practices, and providing expert guidance on credit-related regulatory matters and emerging risks