Skill Inventory Matrix
Enabler for Internal Mobility Program
Records
| ID | Sector | Division | Department | Unit | Technical Skills |
|---|---|---|---|---|---|
| 4998 | Business Operations | Loans Operations | Knowledge of loan origination, underwriting, and credit risk assessment methodologies to support compliant and efficient credit processing. | ||
| 4999 | Business Operations | Loans Operations | Knowledge of regulatory frameworks including SAMA guidelines and Basel III to ensure lending operations align with national and international risk governance standards. | ||
| 5000 | Business Operations | Loans Operations | Knowledge of SIMAH and Bayan Credit Bureau platforms to extract, evaluate, and interpret credit reports for creditworthiness assessment and regulatory compliance. | ||
| 5001 | Business Operations | Loans Operations | Ability to detect and investigate fraud and resolve customer disputes in line with internal controls and audit requirements. | ||
| 5002 | Business Operations | Loans Operations | Ability to analyze and report loan portfolio performance using MS Excel and Power BI to support decision-making and portfolio optimization. | ||
| 5003 | Business Operations | Loans Operations | Ability to manage customer interactions and servicing workflows through CRM systems to ensure an integrated approach to customer relationship and loan lifecycle management. | ||
| 5004 | Business Operations | Loans Operations | Credit Operations | Knowledge of end-to-end loan operations processes, including disbursement, servicing, restructuring, and settlement, to ensure operational efficiency and accuracy. | |
| 5005 | Business Operations | Loans Operations | Credit Operations | Knowledge of credit servicing and repayment workflows, including pre-closure, foreclosure, and delinquency handling in line with customer service standards. | |
| 5006 | Business Operations | Loans Operations | Credit Operations | Knowledge of SLA governance and exception handling protocols to ensure timely resolution of escalations and operational bottlenecks. | |
| 5007 | Business Operations | Loans Operations | Credit Operations | Ability to drive digital transformation in loan operations, including automation of workflows, AI-based efficiency tools, and integration with core banking systems. | |
| 5008 | Business Operations | Loans Operations | Credit Operations | Ability to execute credit operations in compliance with SAMA regulations, internal credit policies, and audit requirements through documentation and process adherence. | |
| 5009 | Business Operations | Loans Operations | Credit Operations | Ability to use loan management systems, CRM platforms, and BI tools (e.g., Excel, Power BI, T24) for performance tracking, portfolio reporting, and root cause analysis. | |
| 5010 | Business Operations | Loans Operations | Credit Operations | Ability to monitor credit portfolio KPIs and risk indicators, conduct reconciliations, and support audit readiness for credit-related functions. | |
| 5011 | Business Operations | Loans Operations | Collections | Knowledge of collections lifecycle management, including early-stage, late-stage, and post-charge-off recovery strategies tailored to portfolio risk segments. | |
| 5012 | Business Operations | Loans Operations | Collections | Knowledge of SAMA regulations, Basel III guidelines, and fair treatment standards for customers in collections and recovery scenarios. | |
| 5013 | Business Operations | Loans Operations | Collections | Knowledge of dispute resolution protocols and customer complaint handling to ensure accurate and timely resolution while maintaining service quality. | |
| 5014 | Business Operations | Loans Operations | Collections | Ability to drive process automation and operational excellence across collections by integrating analytics, workflow tools, and feedback loops. | |
| 5015 | Business Operations | Loans Operations | Collections | Ability to monitor and interpret delinquency trends and NPL ratios, develop action plans, and prioritize high-risk accounts for targeted recovery interventions. | |
| 5016 | Business Operations | Loans Operations | Collections | Ability to manage relationships with external collection agencies, legal counsel, and recovery vendors, including SLA governance and performance monitoring. | |
| 5017 | Business Operations | Loans Operations | Collections | Ability to analyze portfolio performance using BI tools (e.g., Power BI, Excel) and prepare regulatory and internal reports for strategic decisions. |