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Senior Retail Portfolio Officer

Riyadh, Saudi Arabia Posted 2023/09/28 12:34:55 Expires 2023-11-27 Ref: JB1100039610

Job Description

  • Produce any risk specific reports and analysis like Scorecard monitoring, Portfolio Quality Reports (PQR), etc.
  • Conducting retail portfolio review & management through development and maintenance of credit MIS & other relevant analyses with the objective of minimizing loss provisions.
  • Ongoing evaluation, validation (including engagement with the Scorecard vendor) and Calibration of the Score cards to improve discriminative power of the automatic scoring system (application and behavioral)
  • Monitoring loss performance vis-à-vis risk budget/targets to track performance against expectations.
  • Produce periodic Risk Provision calculations and liaise with relevant stakeholders for successful passing the relevant accounting entries.
  • Credit Negative list management so as to disallow customers with previous negative experience from applying for asset products.
  • Reporting risk issues to management on time
  • Ensure that information utilized in credit decisions for retail banking credit products is adequately verified and accurately captured in related front-end systems including but not limited to the loan origination system.
  • Make informed decisions where exceptions are escalated for credit review for a proposed facility based on the information provided in system and within the authorities delegated.
  • Ownership of Analytical Data Mart (ADM) for both KSA and BAH
  • Support Retail business decisions with quality data analytics and portfolio management.
  • Recommend to relevant authority holders any amendments to Employer White List & periodic monitoring of employer / sector limit maintenance and portfolio performance.
  • Providing regulatory / disclosure information that is complete and accurate on behalf of Retail Risk to Compliance / Finance / Audit / Credit Bureaus / Regulators.


  • Understanding of data management and relational databases. 
  • Good skills in using MS office applications especially excel and power point, & Internet proficiency.
  • Strong analytical skills, communication skills, Problem solving, knowledge of retail banking principles, good English language.

Job Details

Job Location Riyadh, Saudi Arabia
Job Role Accounting/Banking/Finance
Employment Type Direct Employee
Number of Vacancies 1

Preferred Candidate

Career Level Mid Career

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