Senior Manager, Credit Policy – Mashreq Global Network

Mashreq

Senior Manager at MashreqBank developing and managing credit policy frameworks for retail products in UAE. Focused on risk management and growth strategies through policy alignment and compliance.

Posted 7/6/2026full-timeRemote • 🇵🇰 PakistanSeniorWebsite

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Responsible for lending/financing Policies / Framework for specific products in UAE.
Author and manage the credit criteria and Risk Asset Acceptance Criteria for specific products.
Responsible for portfolio quality and portfolio management strategy by defining retail credit policy / lending / financing parameters.
Achieve the planned risk charge for retail products by ensuring quality acquisitions, by working with underwriting units to improve lending criteria from time to time, making them digital friendly, and by initiating portfolio measures to improve / stabilize flow rates on a continual basis.
Update and maintain Retail Credit Policy Manual which is the framework for the individual Product programs.
Ensure all retail credit policies are aligned with the strategies’ orientation and target segment that the bank wants to grow.
Ensure product programs in UAE for the products are aligned and standardized and are within the retail banking lending framework.
Comprehensive review of the portfolios in UAE on an ongoing basis.

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.
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.
Deep understanding of retail credit risk frameworks, portfolio dynamics, and regulatory requirements (including Central Bank guidelines).

Benefits

Comp & perks

Compliance with Central bank Regulations
Ability to integrate AI-driven insights into business strategy
Strong stakeholder management and communication skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit Risk AnalyticsStatistical ModelingMachine LearningAdvanced AnalyticsPortfolio ManagementCredit UnderwritingScorecards Development