Vice President – Retail Credit Policy
Employment Information
Report this job
Job expired or something wrong with this job?
Job Description
Vice President managing unsecured retail credit risk for a leading MENA financial institution. Optimizing lending portfolios through analytics, AI/ML, governance and executive risk strategy.
Responsibilities:
- Manage portfolio risk strategy and performance management for unsecured retail assets, including credit cards, personal loans, BNPL and other digital lending products
- Own the end-to-end risk decision framework across acquisition, account management, line assignment, pricing, collections and customer lifecycle management
- Use advanced analytics, segmentation and AI/ML models to optimize growth, credit quality, customer outcomes and risk-adjusted profitability
- Provide senior leadership with forward-looking portfolio insights, risk appetite recommendations and timely actions to maintain losses, returns and capital consumption within plan
- Set and execute portfolio strategies aligned with approved risk appetite, growth plans and regulatory requirements
- Own portfolio performance across approval rates, activation, utilization, balances, yield, delinquencies, roll rates, loss rates, risk charge, vintage performance, expected credit loss, capital and risk-adjusted returns
- Develop granular customer, product, channel, employer, income and behavioral segmentation
- Design and govern risk decision frameworks covering eligibility, score cut-offs, affordability, limits, tenor, pricing, line management, cross-sell, collections and exit strategies
- Lead champion–challenger tests and controlled experiments; define success metrics, guardrails and post-implementation monitoring
- Partner with data science teams to develop, validate and deploy application, behavioral, propensity, fraud and early-warning models
- Establish responsible AI and model governance, including explainability, fairness, drift, stability, override, monitoring and human-oversight standards
- Build executive dashboards, forecasts and scenario analyses linking risk drivers to revenue, margin, credit cost, operating expense, capital and lifetime customer profitability
- Define early-warning indicators, portfolio triggers and remediation playbooks
- Provide independent retail credit risk challenge for new products, partnerships, fintech propositions and material customer journey or decision engine changes
- Ensure compliance with Central Bank requirements, internal policies, model risk standards, consumer protection expectations and audit requirements
- Lead, coach and develop a high-performing portfolio analytics team and strengthen data-driven decision making across Retail Banking
Requirements:
- Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Engineering, Computer Science, Data Science or a related quantitative discipline
- Postgraduate qualification is preferred
- Typically 12–15 years in retail credit risk, portfolio management or risk analytics
- Substantial leadership responsibility and direct exposure to credit cards, personal loans and digital lending/BNPL
- Proven ownership of acquisition and account-management strategies, vintages, roll rates, delinquency, loss forecasting, provisions, risk-adjusted profitability, limit management, collections strategies and portfolio optimization
- Strong command of statistical analysis, experimentation, segmentation, forecasting, scorecards and AI/ML applications across underwriting, behavioral risk, propensity, fraud and early warning
- Hands-on proficiency in SQL and at least one analytical language such as Python, R or SAS
- Strong working knowledge of Power BI/Tableau, large datasets, data pipelines and cloud analytics environments
- Demonstrated ability to translate analytics into executable cut-offs, pricing, limits, treatments and growth strategies with clear economics, controls and performance measurement
- Sound understanding of model risk, responsible AI, explainability, fairness, data privacy, consumer protection, IFRS 9/provisioning concepts and Central Bank requirements relevant to retail lending
- Strong executive communication, stakeholder influence and people leadership
- Ability to challenge constructively and present complex risk-return choices to senior committees
Similar Jobs
Vice President, Sales
Vice President of Sales growing XO’s private jet memberships and revenue. Managing strategic accounts, client relationships, contracts, and sales performance.
Senior Vice President, Product Strategy
SVP leading product vision, commercialization, partnerships, and growth for Avalon’s genetic testing management business. Driving healthcare market opportunities and cross-functional strategic execution.
Vice President, Development
Vice President leading mission-critical data center development for QTS, a global digital infrastructure company. Overseeing regional sites, design, construction, budgets, and strategic development projects.
Senior Vice President, Technical Operations
Senior Vice President leading technical operations at Invivyd, an antibody company protecting immunocompromised patients from viral diseases. Overseeing CMC, manufacturing, supply chain, quality, and regulatory strategy.
Vice President, Product Strategy – Emerging Markets
VP shaping new diagnostic products, healthcare expansions, and strategic partnerships for Avalon Healthcare Solutions. Validating market opportunities and presenting investment-ready recommendations to executive leadership.
Vice President, Product Strategy – Emerging Markets
VP shaping new diagnostic healthcare products, partnerships, and market opportunities for Avalon Healthcare Solutions. Building investment-ready business cases to improve healthcare outcomes and affordability.
Vice President, Sponsorship & Exhibition Strategy, Sales
Sponsorship and exhibition sales executive growing an events business through client strategy, revenue leadership, and succession planning. Managing client packages, event sales, forecasting, and a growing sales and operations team.
Divisional Vice President, Sales
Agiliti healthcare sales executive driving divisional revenue, margins, and customer retention. Leading sales talent, key-account growth, CRM management, and extensive customer travel.
Vice President – National Accounts Off-Premise
Vice President leading Heaven Hill’s national off-premise retail account organization. Driving customer strategy, joint business planning, and growth with major U.S. retailers.
Vice President, Growth and Commercial Excellence
Vice President advancing growth for an outpatient imaging network through health-system partnerships and de novo development. Building sales enablement, analytics, territories, incentives, and leadership capability.
Vice President, Sales
Vice President of Sales leading Manchester Tank’s manufacturing sales organization. Driving profitable growth, margin expansion, strategic accounts, and domestic and international customer development.
Vice President, Global Channels – Alliances
Vice President leading Riverbed’s global channels and alliances strategy for AI-powered observability and acceleration solutions. Driving partner revenue, ecosystem growth, and worldwide channel organization performance.
Divisional Vice President of Sales
Agiliti sales executive growing healthcare equipment and services revenue across a home-based division. Leading sales talent, customer expansion, quotas, margins, and frequent customer travel.
Divisional Vice President, Sales
Divisional sales executive growing Agiliti’s healthcare equipment and services revenue. Leading customer expansion, sales talent development, financial performance, and major-account relationships.
Divisional Vice President
Regional sales executive leading distributor-driven growth for good2grow, a children’s beverage company. Managing teams, P&L, forecasting, retail execution, and strategic customer relationships across the North region.
Vice President, Digital Engineering
CVS Health VP leading digital engineering for Health100, a consumer health platform. Owning identity, payments, AI solutions, reliability, and large-scale engineering teams.
Data Integration Lead – VP
Data Integration Lead shaping enterprise cloud data integration for regulated financial services. Driving GCP architecture, streaming platforms, ETL modernization, and large-scale transformation programs.
VP Product & Strategy
Product-CEO leading EXL’s agentic AI decisioning platform, P&L, and go-to-market growth. Driving enterprise adoption across analytics decisioning use cases.
Regional Vice President – Retirement Mid Markets
Regional Vice President selling qualified retirement plans through financial intermediaries. Managing Ohio/Kentucky prospects, advisor relationships, and territory sales for Transamerica.
Associate Vice President, Group Director – Media Planning
Associate Vice President leading integrated media strategy, client growth, talent development, and agency initiatives. Rain is a national DTC marketing and integrated creative-media agency.