Middle East Scoring and Modelling Manager
Citigroup,
Dubai
منذ 20 ساعات
source : Wisdom Jobs

DescriptionJob Purpose The incumbent responsibility will be twofold 1 manage develop and monitor scoring and non-scoring model for the entire cluster At present it consists of an inventory of models with the target to be further expanded aiming to create more efficiency in Risk decision process 2 ensure timely and accurate regulatory reporting Credit Bureau as well as maintain and manage the relation with the third party AECB The responsibility will go across all the geographies of the ME cluster and will require in deep understanding of data warehouse architecture in order to ensure the possibility of scale processes Furthermore the incumbent will work closely with the other functions within the Cluster Risk Management team in setting up executing strategies define the optimal tools to use and optimize capital needs She or He will leverage Regional Scoring expertise and GMRA in ensuring scoring and non-

scoring models continue to be relevant and an inherent part of the strategy as well as in compliance with Global PolicyThe ME Scoring Manager will be responsible for all models across all portfolios operating in the following geography UAE and Bahrain accounting for 1 3Bln in receivables Key Responsibilities Ensure compliance to regulatory reporting UAE Credit Bureau Work out changes in reporting processes to ensure optimal efficiency is achieved while always providing accurate and timely information Manage the relation with the local third party and ensure Citi maximize the benefit from leveraging the bureau infrastructure Develop manage maintain update and validate data mining findings and analytical tools scores and segmentation that will ensure the growth of the business while controlling for risk minimizing risk forecast variance Work with GMRA and GRMI to enable efficient development and delivery of new scoring and non-

scoring models for the different geographies and products The incumbent is responsible to determining Scoring needs according to business going forward strategy and drive score management priorities as well as actively engage with Region and GMRA to drive planning and delivery Champion all Scoring Strategy analysis delivery and implementations To take ownership of score and non-

score monitoring MIS and validations and conduct quarterly scoring reviews Support growth and business objectives through use of scoring models strategies and credit bureau Leverage credit bureau data to optimize Account Acquisition Maintenance Fraud and Collection Strategies Ensure optimal business use of scoring models and credit bureau in the countries Build retain expertise and educate other cluster risk teams with Scoring and Segmentation practices Engage in scoring development implementation and control coordinating with GMRA Region and ITO Ensuring full compliance with Global policies and successful completion of IA FCR in scoringEnsure accuracy and integrity in the design development and implementation of simple and complex statistical models using large-

scale demographic behavioral and transactional data to assure maximum portfolio profitability Work with Regional and Global Scoring teams to share information share advances new ideas understand policies and optimize programs Development Value ME cluster offers a unique opportunity of learning Business dynamics differ across all market in the cluster and at the same time differ from all other EMEA countries Market dynamics and customer profile are different within the geography in ME It s an opportunity to enhance your think different To develop and learn how to manage simultaneously product and geography Lead the change The ME Risk cluster is just being formed There s the opportunity to provide your contribution in building an effective and efficient function QualificationsKnowledge and Experience Min 5 years experience in scoring and analytics in a consumer lending environment Strong statistical background with experience in modeling scores and segmentation Experience with tools from strategy through development maintenance updates and validations Great emphasis on big picture but with the ability to dig into data and perform root cause analysis Understand statistical and economic relevance of results Be a data-

oriented thinker that uses the available information to data mine and find opportunities Credit Bureau and Credit Scoring experience preferably gained in an analytic or portfolio management function Awareness of Citi people processes policies and relevant laws Scoring specialist or ideal candidate for scoring specialist roleSkills Inspired by sane ethic principles have a high degree of professionalism and business etiquette Independent thinker Strong Analytical skills and excellent analytical thinkingCare about diversity and people morale Having a flexible attitude and positive approach Strong team player Build a strong team through appropriate management skills motivation training hiring strategies and enthusiasm Be a high-

energy and creative member of the team who will bring new ideas thoughts and strategies to the table Good Interpersonal skills and ability to work with cross functional teams in order to develop update and communicate the most effective and efficient credit policy Stress management Qualifications Min qualification MSc in Statistics Econometrics or other mathematical discipline Programming SAS VB SQL MS Access General Query Tools SPSSKnowledge of financial and credit forecasting methodologyCompetencies Incorporate Risk Reward logic to all decision making Strong working knowledge of a P L and an understanding of the levers impacting profit and risk Ability to create what if scenarios Develop validate risk model and evaluate its effectiveness Understand the impact on policy decisions or directions on risk Data warehouse and data architecture Sense of ownership and entrepreneurship in managing day to day business as well as establish and manage towards medium long term objectives Ability to define and think process wise in order to ensure flawless execution of lity to create and enhance policy and processes

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