Risk Policy Analyst II

  • Full Time
  • Dubai
  • Posted 2 weeks ago


The Risk Policy Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses’ core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.


Facilitating profitable growth of the Margin Lending & overdraft products: evaluation of business proposals, participation in plan formulation, communication of policy changes.
Risk Appetite framework definition and analysis; concentration tracking; Preparation of PQR, and other dedicated and ad-hoc reports. Creatively analyze new data sources and tools for additional new opportunities.
Monitor and validate credit policies across program and customer lifecycle. Develop tracking standards and review actual results versus forecasts with full analyses of any variances. Evaluating policy change requests and in the implementation and execution of policies.
Assess the effectiveness of the credit risk processes and standards to promote leading practices and identify opportunities for improvements
Coordinating all approval requests with Region. Work with Regional and Global risk teams to share information, share advances / new ideas, understand policies, and optimize programs. Understand and be the local expert on the Global Consumer Credit and Fraud Risk Polices.
Work cross-functionally with key business partners to support all acquisition and product strategies that will enable us to make the best risk/reward decisions. Ensure that credit policies and strategy are in line with the business objectives.
Ensuring compliance with Global Policy and relevant risk related regulations; ensuring compliance with local regulation. Ensure that the adequate infrastructure (systems, validations, MIS etc) is in place to properly manage the portfolio.
Drive the analysis of portfolio metrics, trends and KPIs (Key portfolio metrics), including deal pipeline, Specialists metrics, deal volume and trends.


5 years’ experience in Consumer Risk Management and 3 years’ experience in managing margin lending and overdraft Policy.
Expert knowledge of retail banking products and risk management, particularly for margin lending as well as operational and market risks associated with securities financing and wealth management lending
Strong knowledge of investments, securities market and associated internal and external regulations and risk.
Expert in collateral based lending to individuals. Knowledge of mark to market processes. Compliance background is appreciated.
Manage risk on a pro-active base, able to understand the influence of external factors. Theories, assumptions, limitations and goals behind stress and scenario analyses. Understand and interpret the local market and the difference amongst them.
Able to make decisions by gathering the appropriate information available with a focus on deadlines.
Develop and implement customer centric credit policies.
Awareness of Citi people processes, policies and relevant laws


Bachelor’s/University degree or equivalent experience

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