• Add value through insightful analysis that is strategic and pertinent to the aspirations and strategic priorities of the Group and the businesses we support• Prepare different MI package for BA, Ops, Finance and any other business unit• Develop and maintain complaint log and MIS to help the management to improve the quality of the shop• Provide advice and guidance to team members on interpretation of policy and procedures.• Develop and agree individual performance objectives, standards, and targets with all concerned parties.• Conduct regular review of performance against agreed objectives and monitor performance.• Ensure achievement of target impairment figures set.• Provide on-going coaching, counseling, and feedback to the concerned parties• Ensuring adequate controls are in place and operating effectively with regards to the information that is released both internally and externally.• Take ownership of deliverables relating to Year End, Half Year End and quarterly reporting by proactively engaging with product managers and ensuring timelines are followed.• Contribute to the roadmap for future capability for Credit Risk Management• Apply data analytic skills to improve data quality and use of data across Credit Risk.• Assisting the decision support team through deep analysis in all portfolio segments.• Preparation of external reporting to the regional credit operation team BA.• Maximizing systems potential through continual process improvements.

•Prepares monthly MI packages for the delinquent customers in retail credit products covering the credit cycle and all the related in-depth analyses to have clear vision of the customers’ performance.•Prepares MI analyses, reports & feedback for Credit policy team to set the new credit strategies and to enhance the existing credit policies.•Tests & Validates the impairment modeling.•Identify the operation risk and work to minimize it by adding controls in place to ensure that the risk is covered by the adequate control example preparing legal, Tele calling, agencies and In house domains based on the Collections strategy, hand off cases to/ from the external collection agencies, payment reports, preparing score cards and calculating incentive

Follow up with the Customer to ensure making their payment on time.Contributing in decreasing the flow rate & achieve the unit targets.Collecting overdue and over limit amounts from cardholders who failed to meet due dates to minimize delinquency and control Flow through into higher bucketsProvide feedback to Collections Supervisor on operations and flow of work with ideas for improvement of certain process where appropriate.