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GB1701 - Senior Manager-CRC

Business Unit: Support Groups
Division: Risk Management
Department: Central Retail Credits
Contract Type: Full Time
Area/Branches: Head Office
Closing Date: 28-Jul-2016

About Gulf Bank

Gulf Bank was established in 1960 and has since progressed to becoming an industry-leading financial services provider complemented by a large network of 55 branches strategically positioned in key locations across Kuwait.

The main groups of the Bank are Consumer Banking, Corporate Banking, International Banking and Treasury.

Job Purpose:

Manage and direct a team of Managers and Assistant Managers responsible for the underwriting of loans and cards applications, portfolio acquisition due diligence in addition to the administrative tasks and quality assurance roles. To be responsible for the business development aspects and assist in strategic initiatives. Deputize for the Executive Manager when required.



a) Credit Applications: Assist in the credit assessment and underwriting process and deputize for the credit committee when required. Maintain the required approval ratio without affecting the book performance

b) Credit policy : Responsible for the review of the Bank’s credit approval policies and guidelines based on performance analyses and competitors offering. Reduce exceptions and set periodic objectives

c) Scorecard Performance: Assist in the periodical monitoring of the scorecard characteristics and cut off. Recommend changes if required.

d) Compliance: Comply with all policies, procedures and Central Bank rules and regulations, prevent CBK penalties. Coordinate with the CBK periodical audit review. Ensure Cinet prompt reporting and assist in related projects.

e) Reporting: Prepare and provide reports on daily and monthly transactions, assessments and other statistical data

f) Portfolio Acquisition: Responsible for portfolio acquisition due diligence and compliance to the CBK rules and regulations

g) Process: Reduce the approval turnaround time and delay in processing, increase the customer satisfaction and services

h) People Management: Effective leadership skills and continuously upgrade the competency of team members

i) Strategy & Planning: Manage strategic changes to the process and internal risk controls in relation with credit assessment and  the related administrative tasks

j) Policies & Procedures: Ensure all Policies and Procedures are implemented and practiced by team members

Corporate Governance: Comply with all risk, CBK and AML policies and procedures to minimize the error ratios and customer frauds; comply to Basel II framework for all Consumer Banking operations

Education, Knowledge, Experience and Skills:

a)   Education / Qualifications: Degree in banking / finance / business management

b)   Knowledge: Knowledge of consumer credit analysis and risk assessment; financial analytics

c)   Experience: 5-8 years in a bank within Credit Risk management / Credit risk practices /Scoring system

d)   Generic & Specific Skills:

  • Strong Communication skills
  • Project Management
  • Analytical Thinking
  • Bilingual in Arabic & English
  • Proficient in IT (MS Office)

Note: you will be required to attach the following:
1. Resume / CV

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