Job Purpose:
The Portfolio & Analytics Manager will be responsible for managing, analyzing, and optimizing the Commercial Banking portfolio across Assets, Liabilities, and all Commercial Banking Products. The role requires strong quantitative, analytical, and strategic skills to support growth objectives, ensure portfolio quality, and drive data-led decision-making. This position will work closely with Product Manager, Relationship Management, Credit, Risk, Finance, and senior leadership to provide insights and recommend strategies that balance growth, profitability, and risk.
Principal Accountabilities:
Key Responsibilities
Portfolio Management
- Monitor the Commercial Banking portfolio across loans, deposits, trade finance, and cash management.
- Track key portfolio metrics (growth, yield, concentration, delinquencies, RAROC, cross-sell ratios, etc.).
- Conduct portfolio segmentation (by sector, geography, customer size, and risk profile).
- Provide early warning signals and recommend actions for stressed sectors or customers.
- Drive balance sheet optimization and product mix strategies to maximize profitability.
Analytics & Insights
- Develop dashboards, MIS, and portfolio performance reports for management committees
- Conduct scenario analysis, stress testing, and sensitivity analysis on the portfolio.
- Support product teams with data-driven insights for pricing, campaign design, and customer targeting.
- Apply advanced analytics (including statistical modeling, credit scoring, and trend forecasting) to identify growth opportunities.
- Benchmark portfolio performance against peers and market trends
Strategy & Business Planning
- Support annual planning, budgeting, and forecasting with detailed portfolio analytics.
- Provide inputs to product and segment strategies, ensuring risk-return alignment.
- Evaluate customer acquisition, retention, and profitability at segment and product levels.
- Support decision-making for new initiatives, such as segment growth, liability mobilization, or digital solutions.
Risk & Compliance
- Ensure portfolio monitoring adheres to internal credit policy and UAE Central Bank regulatory requirements.
- Provide data inputs for risk appetite frameworks and sectoral exposure limits.
- Collaborate with Risk teams to identify high/medium/low risk sectors and ensure mitigation plans.
- Maintain compliance with KYC/AML monitoring through portfolio-level analytics.
Job Requirement:
- Bachelor's degree in finance, Business, Economics, Statistics, or related field (Master's/MBA preferred or Professional Certification in Finance)
- 710 years of experience in commercial/corporate banking, with at least 3 years in portfolio/analytics roles. Strong knowledge of credit, liabilities, transaction banking, and UAE commercial banking landscape. Proven track record in financial and portfolio analysis, reporting, and strategy development.
