محمد النصيان

• Developing and updating Policies and procedures for Credit Risk and Collateral Valuation risks.
• Develop credit risk models for new product launches and sub- products ensuring adherence to regulatory requirements.
• Developing provisioning model for ECL for IFRS-9 reporting.
Reporting to Board Credit & Risk Management Committee on the Credit portfolio. Establish root causes of issues and recommend actions.
• Developing scorecards for New Origination Application in cooperation with Qarar.
• Responsible for the leadership, innovation, governance, and management necessary to identify, evaluate, mitigate, and monitor the Company's operational and strategic risks.
• Develops Enterprise Risk Management tools, practices, and policies to analyze and report enterprise risks, and to manage risks according to an enterprise risk management framework including the quantification of management’s risk appetite through specific risk limits, in view of general economic conditions and operating environment.
• Ensuring compliance with statutory regulations mandated by legal and regulatory bodies as well as internal policies.
• Consulting approach to influence direction taken by business units on risk management issues that directly impact the strategic direction of the company.
• Establishing an integrated risk management function for all aspects of risk across the organization.
• Monitors and analyzes risks within the company's business units and reports on these risks to Risk Management Committee through implementing a set of risk metrics and reports, including losses and incidents, key risk exposures.
• Developing and maintaining a company-wide Operation Risk Management (ORM) policy framework and associated programs.
• Prepares a reports on selected risk topics as Board Credit & Risk Management Committee deems appropriate from time to time (i.e. liquidity and capital adequacy, proper functioning of processes and controls, regulatory changes, capital or servicing ratings by rating agencies etc.).
• Analyzing concentration along dimensions like product, exposure size and geography, and evolve strategies to proactively manage concentration risks.
• Analyzing the impact of stress conditions on the portfolio and different scenarios that SHL could encounter with an appropriate remedial action plan.
• Reporting the composition of the credit portfolio of SHL and movements in the portfolio on a regular basis to the Risk Management Committee, to the Audit Committee, Executive Committee and the BoDs.
• Facilitating moves towards allocation of economic capital and risk based performance measurement.
• Integrating risk-based capital into the SHL’s strategy and align it with risk based performance measurement.
• Defining the risk measurement methodologies for different products and risk types.

•Formulate, review / amend Credit Policy (risk acceptance criteria) for retail Credit Cards & Personal Loans - either ad-hoc based on performance review or in the context of annual review of product programs.

•Oversee operationalization of changes to unsecured products on decision support systems of the Bank with respect to risk acceptance, monitoring, and control conditions.

•Establish / maintain, jointly with Secured Products Unit, the overarching credit policies for all retail asset products covering origination, account management, collateral management and collections.

•Monitor, together with Management Information & Analytics Unit as well as Collection / Non Performing Loan Oversight Unit, the performance of Unsecured product portfolio and make recommendations for corrective actions on policies / scorecards & models.

•Coordinate with and guide Risk Data, Models & Scorecards unit for development and update of scorecards / models for unsecured products.

•Review and make recommendations on new products / interim program revisions or special campaigns.

 Ownership toward compiling, auditing, preparing and reporting the Risk Management Committee Meeting (RMM) Pack.

 Assist the head of department in formulating the bank's Risk Appetite Statements (RAS) and monitor risk positions against the stated risk appetite.

 Develop and maintain RMI (Risk Management Info) assisting in tracking portfolio performance, trends identification and raising pre-emptive / corrective actions.

 SIMAH National Credit Data Pooling Project. Responsible for delivering quarterly credit data to Saudi credit bureau.


 Involvement in localization of external scorecards in Moody's Risk Analyst system MRA platform from the risk assessment point of view.

 Involvement in application and behavioral scorecards maintenance, reporting and testing.

 Intensive use of SAS coding abilities and business rules area required for SABB contribution to this project.

 Develop clear Policy and procedural guidelines for risk decision strategies and associated risk assessment processes including challenger strategy development, strategy selection, deployment, monitoring, and review.

 Coordinating financial Annual Operating Plan (AOP) for Risk management. Department (RMD) aligning internal decisions with Human Resource Department (HRD) and Financial Control Department (FCD) policies and best practices.

 Analytical skills and as well as management skills to work with various departments and to implement change. Also, technical skills and experience to implement process changes/automation and mature understanding of risk/profitability relationship.

 Participation in the delivery of key Retail / wholesale credit risk projects as determined by the Department Head.

 By using technology as a tool to enhance efficiency and optimize the use of available resources for effective risk management. Additionally, my analytical skills as well as management skills provide the required support to work with various departments and implement change.

 Maintenance and reporting the performance of application and behavioral scorecards.

 Manage the retail risk project activities related to the decision support and Scoring Systems in a cost efficient manner.

 Management of activities related to the decision support and scoring systems, like TRIAD, CACS and Streagyware strategies to meet PLB objectives.

 To facilitate Implementation of Collection strategies in Collection systems.

 To manage the relationship and liaise with IT to define and monitor automated system solutions and to support business change.

 Using technology as a tool to enhance efficiency and to optimise the use of the available resources for effective risk management & risk control across all retail lending products in a market which is rapidly changing from traditional, subjective lending to modern statistical decision systems.

 Ensure credit / risk parameters and control in all system developments / changes are properly tested prior to launch.

 Lead, guide, mentor and develop people through, timely quarterly assessments, detailed development and succession plans, and development of challenging/measurable goals. Cultivate an environment that supports diversity and reflects the Bank brand and drives improved employee engagement.

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