Job Accountabilities

1. Review and prepare full policy opinion regarding any proposal 
2. Provide ongoing policy opinion regarding the raised inquiries from the Credit Assessment team.
3. Conduct periodical market surveys for the retail banking market in Egypt and the terms for product lending thus contributing to policy suggested changes. 
4. Assist in tailoring and designing of credit policies for new products
5. Provide continuous recommendations regarding policy enhancements to ensure reasonable risk performance while maintaining profitability.
6. Track all Risk events either new or endorsement from both monitoring and controls purposes.
7. Develop tracking tools that include all raised comments, inquiries and clarifications related to Retail Risk Policy on an annual basis for Policy annual review purpose.
8. Work on in/outside audit recommendations within credit policy to ensure the implementation and closure of the raised recommendations.
9. Work closely with other units in the Retail Risk department to solve any raised inquiries related to policy clarifications and inquiries. 
10. Complete other special tasks assigned by management 
11. Contributes to the development and maintenance of standard and custom product information responses in various formats to address a vast array of inquiries.
12. Monitoring the Retail activities and manage the inherent risks within any transaction/process by splitting the Retail portfolio into domains, each domain will be subject to full scan separately using a correlation between different factors (i.e. nonstarter clients, delinquency ratios, sourcing channels, Segmentation, RMs, residence area, work area, ….etc.)  
13. Applying Early Warning System model (EWS) based on the apparent results of the domains scan as Retail Risk Vigilance will raise ongoing recommendations to the other portfolio management units (i.e. Policy adaptation, expand the controls matrix, inclusion of new monitoring and controls reports, enhance the process ... .etc.)
14. Follow all relevant approved department’s policies, and procedures and monitor adherence so that work is carried out in a controlled manner
15. Follow the day-to-day operations related to own jobs in the department to ensure continuity of work
16. Comply with all relevant CBE regulations, banking laws, AML regulations and internal EG Bank policies and code of conduct to maintain EG Bank’s sound legal position and mitigate any potential risks

Qualifications and Experience:

• Bachelor’s degree in Business, Managmement
• 0- 3 years of experience in Risk Management.

Skills:

• Excellent command of spoken and written English.
• Strong interpersonal, communication, analytical, creativity, negotiation and organizational skills.
• Strong analytical skills and strategic orientation.
• knowledge on credit compliance and risk management
• knowledge of Market best practice in Risk Management for all Retail Portfolios.
• Sound writing, reviewing, analyzing and editing skills with attention to details and accuracy.
• Critically analyzing processes and suggesting areas for improvement.
  
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