Assistant Vice President – Credit Policy

Mashreq

. Responsible for lending/financing policies and frameworks for specific products in the UAE .

Posted 10/6/2026full-timeRemote • IndiaLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in retail credit risk management, policy formulation, and advanced analytics, with a strong focus on integrating AI-driven insights into lending strategies. Proficient in statistical modeling and data analysis to optimize portfolio performance while ensuring compliance with regulatory requirements.

Highest-signal resume keywords

Credit Risk AnalyticsStatistical ModelingPython / R / SAS / SQLData Visualization ToolsRetail Credit Risk Frameworks

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Applicant Tracking System Keywords

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Hard Skills

Credit Policy FormulationRisk Asset Acceptance CriteriaPortfolio ManagementMachine LearningData AnalysisAI/ML FrameworksLending Criteria DevelopmentRegulatory ComplianceData Pipeline ManagementUnstructured Data Analysis

Soft Skills

Stakeholder ManagementCommunication SkillsStrategic MindsetPresentation SkillsAnalytical Skills

Tools & Technologies

Power BITableauCloud-Based AnalyticsDigital Lending PlatformsFintech Ecosystems

Industry Keywords

Retail BankingUnsecured LendingCentral Bank RegulationsRisk-Based PricingEthical AI Use

Tech Stack

Tools & technologies

CloudPythonSQLTableau

About the role

Key responsibilities & impact

Responsible for lending/financing policies and frameworks for specific products in the UAE
Author and manage credit criteria and Risk Asset Acceptance Criteria for specific products
Define retail credit policy, lending, and financing parameters to manage portfolio quality and portfolio strategy
Drive the retail bank’s risk and growth strategy through appropriate retail credit policy actions
Achieve planned risk charges for retail products by ensuring quality acquisitions and improving lending criteria with underwriting units
Update and maintain the Retail Credit Policy Manual for individual product programs
Align retail credit policies with strategic orientation and target growth segments
Ensure UAE product programs are aligned, standardized, and within the retail banking lending framework
Conduct ongoing comprehensive portfolio reviews in the UAE
Provide retail risk input on strategic initiatives, portfolio management, acquisitions, central bank regulation, and provisioning norms
Analyze and implement the impact of Central Bank regulations on retail risk
Collaborate with business, risk, legal, and other departments on portfolio strategy, segmentation, performance, and profitability
Monitor risk charges and maintain predictable portfolio performance within plan
Drive automation of policies and processes with underwriting and relevant stakeholders
Review and recommend new product launches and significant policy changes to senior managers
For secured products, ensure appropriate collateral asset classes, suitable LTVs, security perfection, and appropriate legal structures
Ensure satisfactory audit and consumer examination ratings for the retail credit policy unit

Requirements

What you’ll need

Master’s degree (M.Sc.) or Ph.D. (or equivalent) in Mathematics, Statistics, Data Science, Computer Science, Economics, or related quantitative discipline from a reputed institution
Minimum 8–10 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 to unconventional datasets, including unstructured data and alternate data, for refining lending strategies
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 while balancing growth and risk and focusing on ethical AI use
Strong stakeholder management and communication skills, with the ability to explain complex analytical outputs to senior leadership
Strategic mindset focused 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 is an added advantage
Effective communication, presentation, and data analytical skills are mandatory
Prior experience in Product Management is an added strength