Assistant Manager – Credit Policy

Mashreq

. Provide analytical inputs for managing the Product Program for UAE (all emirates), IBG, and other geographies as operations expand .

Posted 10/6/2026full-timeRemote • IndiaMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong analytical skills and proficiency in SAS, Hadoop, and Hive to support portfolio analytics and credit policy automation. Possesses in-depth knowledge of banking operations and credit analysis to enhance underwriting standards and manage product programs effectively.

Highest-signal resume keywords

SASHadoopHiveCredit AnalysisBanking Operations

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Portfolio AnalyticsStatistical AnalysisRisk-Based SegmentationUAT Test ScriptsPolicy Preparation

Soft Skills

Analytical SkillsCollaborationProblem-Solving

Tools & Technologies

MIS ReportingAutomation Tools

Industry Keywords

Credit PolicyUnderwriting StandardsRetail Asset PortfoliosFinancial ServicesCustomer-Focused Environments

Tech Stack

Tools & technologies

Hadoop

About the role

Key responsibilities & impact

Provide analytical inputs for managing the Product Program for UAE (all emirates), IBG, and other geographies as operations expand
Perform portfolio analytics to identify risk and growth areas and facilitate policy changes
Analyze product tests to explore growth segments and conduct portfolio stress tests and risk-based segmentation
Monitor portfolio growth and direction and generate MIS for outcomes
Support automation of credit policies and lending parameters
Prepare complete UAT test scripts, test required development, and review and recommend updates to maximize automation and reduce manual intervention
Review existing systems and highlight discrepancies between existing and approved policies
Support the Policy Manager and collaborate with Collections and Recovery to develop procedures and strategies for curing bad credits and enhancing underwriting standards
Monitor portfolio quality by analyzing available data
Develop implementable solutions for asset quality issues in acquisition and existing retail asset portfolios
Assist with policy preparation and modification based on market requirements and portfolio performance
Draft policies and guidelines for product programs, new launches, and target segments
Track system change requests, liaise with relevant units, and improve risk management
Ensure policy implementation is completed within approved timelines and highlight exceptions for approval
Liaise with the Retail Risk team to ensure data availability for comprehensive reporting
Collaborate with Collections and the Credit Initiation Unit to improve policy implementation
Submit MIS reports to internal departments and external agencies within stipulated deadlines

Requirements

What you’ll need

Hands on experience in SAS, Hadoop, Hive
Graduate degree in finance, engineering, business or related fields
Strong analytical skills
Proficiency in best practices in credit and underwriting
In-depth knowledge of banking operations, sales, and customer-focused environments
3–5 years of experience in banking/financial services, including credit analysis, statistical analysis, and leadership roles