Associate Vice President-SME Credit Policy & Portfolio Analytics

Job Purpose:

To lead and continuously enhance SME credit policy and portfolio risk management across the full SME lending lifecycle, with a strong emphasis on data‑driven policy formulation, monitoring, and optimization. The role owns core SME policy responsibilities while also supporting the build‑out of POS‑based merchant lending as part of the wider SME strategy.

What You Will Do:

SME Credit Policy Ownership:

• Own and develop SME credit policies covering underwriting, pricing, exposure management, renewals, and monitoring.
• Define risk appetite and ensure consistent application across SME products and channels.Portfolio Analytics & Data‑Driven Policy Management:

• Lead deep‑dive portfolio analytics, policy effectiveness testing, impact simulations, and development of senior management dashboards.SME Lending Journey & Decisioning Frameworks:

• Support digitization, automation, and embedding of policies into decision engines and workflows with strong governance controls.POS Lending & Alternative SME Underwriting:

• Contribute to POS lending policy design including eligibility, limits, pricing, and monitoring, ensuring alignment with overall SME risk appetite.Stakeholder Management:

• Present insights and recommendations to senior management and act as a trusted risk partner to SME business teams.What You Will Bring:

• 10–15+ years in SME credit risk, policy, or portfolio analytics. UAE or similar market experience.Preferred:

• Exposure to POS or cashflow‑based lending advantageous.Technical Skills:

• Strong data analytics capability with tools such as Python/R/SAS/SQL and BI platforms.
• Experience with digital decisioning systems preferred.What’s In It For You:

• Pay for performance culture (Competitive and performance-linked compensation)
• Provision of medical care plan for your family and you
• Comprehensive Life insurance plan
• Diverse workforce and inclusive culture
• Career development and growth opportunities by design
• Work with the best minds in the field
• Get opportunities to bring your whole-self to the organization and perform to your bestBe part of RAKBANK's future! Step into a role where your leadership, and strategic insights will directly shape the future of the bank. If you're ready to elevate your career with us, apply now!