1.    Develop a proactive policy management process by using tools embedded in the early warning and watch-listing framework to make policy amendments if required.

2.      Evaluate on a regular basis competitiveness of policies within the market and recommend necessary changes to meet business budgets.

3.      Monitor thoroughly the newly introduced Business Banking credit policies in terms of effectiveness and credit quality

4.      Develop comprehensive action plans to manage adverse trends and red flags detected by the BB Portfolio Management team affecting the portfolio quality and profitability.

5.      Identify required data and work with BB Portfolio Team Heads to understand data source, ensure data quality and retrieve data on a timely basis to ensure quality of Policy Decisions.

6.      Assist in analysing segments and trends through collaborating with the business and all relevant stakeholders to be able to propose corrective policy changes and to highlight possible opportunities.

7.      Proceed with the execution of any requirements received by the different Risk Committees (BB Risk Committee and the Board Risk Committee) including policy changes, adverse trends & action points and communicate it to the team in order to be presented to the committee members in a timely manner.

8.      Collaborate and request feedback from the Fraud Management team on all fraudulent incidents to amend all policies accordingly in order to mitigate any future possible fraud risks

Policies, Processes and Procedures

9.Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner

Day-to-day operations

Follow the day-to-day operations related to own jobs in the BB Credit Policy to ensure continuity of work

Compliance

Comply with all relevant CBE regulations, banking laws, AML regulations and internal policies and code of conduct in order to maintain sound legal position and mitigate any potential risks