Business Portfolio Management, Retail Assets

Duties and Responsibilities

• Leverage data and analytics to strengthen business portfolio performance.

• Support Dynamic Credit Risk Score initiative by applying risk models and pricing strategies to improve acquisition quality, portfolio growth, and risk-adjusted pricing across all RAD retail products (Personal Financing, Home & Fixed Asset Financing, Vehicle Financing, Ar-Rahnu).
• Translate analytical insights into business actions, monitor portfolio profitability, and safeguard asset quality to achieve RAD’s objectives.
• Act as the execution arm of business strategy by embedding model outputs into product propositions and driving operational adoption across retail asset products.
• Collaborate with Credit Management Division, Data Analytics & AI Department, and external vendors to operationalise AI/ML-driven credit scoring models.
• Support risk-based pricing structures across retail asset products, ensuring alignment with business strategy and profitability goals.
• Analyse and monitor portfolio performance (PF, HFA, VF, Ar-Rahnu) to provide insights on risk, asset quality, and profitability.
• Prepare dashboards, analytics, and management reports with clear commentary and actionable recommendations.
• Monitor adoption of credit risk models and provide feedback for continuous improvement.
• Review system parameter configurations (pricing tables, scorecards, operational settings) to ensure desired outputs and effective operations.
• Document business requirements (BRDs), coordinate user testing, and facilitate rollout of enhancements or new models.
• Ensure compliance with internal policies, regulatory requirements, and governance standards.
• Contribute to cross-functional collaboration and continuous improvement initiatives to enhance asset quality, portfolio resilience, and operational efficiency.
• Undertake additional assignments, projects, or portfolio-related activities as delegated by management.

Job Requirements

• More than 7 years’ experience in banking industry with at least 5 years’ experience in Business Portfolio Management, particularly in Retail Lending products.
• Proficiency in credit data analytics with hands-on experience in scorecard usage, dynamic credit scoring, and risk-based pricing.
• Ability to translate statistical and Machine Learning (ML) model outputs into practical business strategies.
• Strong business acumen in retail asset products (Personal Financing, Home & Fixed Asset Financing, Vehicle Financing, Ar-Rahnu) and industry practices.
• Solid knowledge of financial and regulatory frameworks, including IFRS9/MFRS9, Probability of Default (PD), Basel standards, compliance, recovery, and finance.
• Advanced proficiency in Excel and BI/visualization tools, with working knowledge of advanced analytics (Python/R, SAS).
• Hands-on experience in project-based initiatives, particularly loan origination system implementation and enhancements, from planning to execution and delivery.
• Assertive, innovative, and highly independent team player; committed, self-motivated, resourceful, and results-oriented.
• Strong stakeholder engagement and influencing skills, with the ability to build effective working relationships.
• Capable of performing diverse functions across multiple levels internally and externally.
• Ability to multi-task, highly numerate with exceptional attention to detail, and skilled in managing expectations while working independently.