Supervisor - Retail Risk Monitoring Officer and Decisional System Analyst
Emirates NBD
Total years of experience :16 years, 11 Months
Key responsibilities:
• Evaluating, calculate and analyzing the bank's financial cost of risk.
• Analyzing the whole retail portfolio and writing reports and recommendations about the current portfolio.
• Forecasting the cost of risk and compare it with the actual cost of risk.
• Forecasting the future trends for the retail portfolio
• Developing new tools, reports and indicators in order to facilitate the monitoring and analysis process for the bank’s portfolio
• Calculating the monthly reports for the Top management concerning the follow-up of risk indicators at different stages: granting level, evolution of recovery, vintage analysis....etc.
• Calculating the Retail Cost of risk (Real / Budget / Forecast)
• Providing to PF Risk central department all the required analysis and reports related to risk, cost of risk, provision
• Participating with other risk departments to the Risk quarterly report for BNPP Risk management in Paris and Emirates NBD in Dubai
• Validating the Retail monthly provision entries done by CCM
• Following up on the New/Exist retail products
• Calculating the Forecasted cost of risk for each new retail product
• To alert the Head of Risk in case of a sharp degradation of the risk (with a product, with a branch …). If needed, to take part in the specific investigations conducted by CC&M
• To monitor and adapt the risk policies for the different products (o.w. personal loans, credit cards, consumer finance loans and car loans) in accordance with Head of Risk decision and Head of corresponding business line
• To adapt the risk policy in the decisional system with the support of PF central Risk Department
• Proposing amendment to the products themselves
• To measure the performance of the decisional system on a monthly basis (scoring and expert system), to propose any relevant analysis and evolutions of the decisional system in order to improve the relevance of the decision of the decisional system and decrease the risk at the granting stage
• Responsible for the integration process between BNP Paribas and Emirates NBD concerning the Retail Risk Criteria including implementing new reports and integrating reports between BNP Paribas and Emirates NBD
Uni-teller :
- Purpose of the job: Perform cash transactions in a timely and accurate manner to satisfy clients and non-clients and safeguard the bank’s assets; Handle, serve, and provide operational services to clients to ensure high quality of service to meet clients' satisfaction within Bank’s procedures & policies.
Customer Service Operations Officer :
- Purpose of the job: Handle, serve, and provide operational services to clients to ensure presenting high quality of service to meet clients' satisfaction within Bank’s procedures & policies.
- Principal Accountabilities:
- Welcome the Bank's customers, receive their instructions, validate and obtain necessary approvals, then forward to concerned departments to ensure final execution on due time
- Handle decentralized client's requests efficiently, promptly and according to Bank’s procedures
- Follow-up the execution of clients' instructions in co-ordination with concerned departments, to ensure proper & accurate service delivery in timely manner
- Safe-keeping of secured items
- Handle customer queries & complaints & escalate as appropriate
- Ensure posting of Bank charges related to customer service operation transactions in accordance with BNP tariff
- Handle deceased accounts and the distribution of the heritage in coordination with legal department
- Safe-keeping of clients’ check books until delivery to clients
- Receive process and file stop payment instructions.
Providing efficient customer service to the company's clients to ensure presenting high quality of service to meet clients' satisfaction.
Telemarketing telephone lines to USA.