بنك الراجحي يعلن عن وظيفة مدير أول للإنذار المبكر ومراقبة المحفظة في الرياض

JOB PURPOSE:

Responsible to perform duties as per Portfolio Monitoring & EWS procedures, under guidance from Senior Director Policy & CAMAC for effective portfolio monitoring & proactive identification of expected problematic and non-performing loans.

Also responsible to coordinate with Business, Corporate Credit & Special Assets teams to put in place corrective action plans for problematic accounts, flagged under EWS framework and follow-up on the agreed action plan to prevent the defaults.

Responsible to analyze non-retail portfolio, both at portfolio as well as at customer level, through portfolio rationalization, monitoring and analysis.

Act as a key partner with business, Corporate Credit, SAM & other related departments to deliver the predefined financial / non-financial goals (as per KPIs).

Key Accountabilities:

Portfolio Monitoring & Analysis:

• Ability to lead large-scale data transformation initiatives, establish enterprise data governance frameworks and deliver advanced analytics solutions that support effective decision-making
• Responsible for establishing the framework and processes for non-retail portfolio analysis
• Responsible for periodic analysis of the portfolio and advising effective pre-emptive controls.
• Effectively analyze the data and providing support to business, credit & related teams in devising the acceptable strategies / portfolio management techniques
• Provides management with accurate reports, regarding all aspects of Strategic Planning, along with conclusions and recommendations.

Early Warning Signals (EWS) :

• Designing scalable data platforms, automating reporting processes and integrating complex data sources, to aligns well with the strategic direction of the Early Warning System (EWS) function
• Responsible for managing & implementing the EWS framework.
• Ensure the integrity of data used for the preparation of EWS framework is robust.
• Responsible to initiate periodic analysis of the customer level EWS and recommending corrective action plan for respective business & credit team.
• Responsible for following up on the agreed corrective action plan for closure with respective business, credit or SAM teams.

EWS Portfolio Analysis & Reporting :

• Prepare periodic EWS reports to capture the progress, performance and quality in order to verify all the processes that has been implemented during the period.
• Responsible for establishing/updating the EWS framework and processes using the best practices (especially strategy on bad / stress portfolio/customer).
• Responsible to advise ‘Early Warning Signals’ based on the portfolio reviews / lessons learnt from the problematic portfolio
• Advising the management with any adverse developments in the portfolio trend, in order to align the credit policies / procedures to the changing environment, so that, such losses shall be avoided

Compliance with Regulatory and Internal Policy & Procedure requirements, including Anti-Fraud Prevention:

• Responsible to diligently review all regulatory requirements and ensure that, bank is always in compliance to the same.
• Responsible to ensure that, regulatory requirements pertaining to Non-Retail Portfolio are being met, as per regulator’s requirements and also to ensure timely submission of the same.
• Assure compliance with regulations mandates and promote and sustain positive risk management culture in the bank.
• Responsible to highlight all EWS policy exceptions and provide rationale for recommending the same.
• Adherence to all regulations and control functions within the bank in order to ensure that governance, Audit, risk and compliance, fraud detecting and combating matters are carried out.
• Assure adherence to the bank approved policies and procedures

Adherence to Risk Appetite Matrix and its updation. :

Responsible to establish processes / framework to effectively manage / monitor the Risk Appetite parameters (including PDOs, Expired CAs, Exceptions etc.,)

Mentoring & Coaching :

• Manage and oversee assigned or related team (as applicable) performance through performance planning, coaching and feedback, also to develop the skills and competencies required for effective individual professional and personal career growth.
• Direct and ensure the effective achievement of functional objectives through leadership.

FRAMEWORKS, BOUNDARIES, & DECISION MAKING AUTHORITY:

• Principle contacts within department personnel and others within the group.
• Within the bank, Corporate Banking Business, Special Assets Management (SAM), Corporate Credit, Credit Operations, Audit, Legal Services, IT and various other functional units.
• External contacts are local banks, financial companies, outside vendors, SAMA, SIMAH and governmental agencies.