Sarah Almutlaq
Riyadh
Summary
Results-driven professional specializing in ECL calculation and model implementation, with advanced SAS programming skills. Demonstrated expertise in data analysis and team collaboration. Committed to delivering effective analytical solutions in data-centric environments.
Overview
6
6
years of professional experience
2022
2022
years of post-secondary education
1
1
Certification
Work history
Consumer Credit Senior officer
Arab National Bank (anb)
04.2020 - 12.2025
- Run Retail ECL Calculations: Execute and validate Expected Credit Loss (ECL) calculations for retail portfolio in line with IFRS 9 requirements.
- Implement Risk & ECL Models: Work closely with model development teams to implement new or updated credit risk models, ensuring accuracy, regulations alignment, and smooth integration into production systems
- Review Scorecards & PD Shifts: Monitor and assess scorecard performance, PD migration, and key risk indicators to identify trends and propose corrective actions.
- Perform Stress Testing: Support at portfolio-level stress testing exercises to assess resilience of credit portfolios under adverse scenarios.
- Conduct Impact Assessments: Analyze financial and portfolio impact of newly developed or updated models, documenting key findings and recommendations.
- Manage Audit Requirements: Prepare required documentation, and address audit inquiries related to ECL, models, and IFRS 9 processes.
- Prepare SAMA Reports: Compile and submit regulatory reports to SAMA, ensuring high accuracy and timely delivery.
Quality Control officer
Saudi Alliance Insurance
10.2020 - 04.2021
- Developed and implemented quality assurance policies to enhance production standards.
- Conducted tests and inspections to ensure compliance with established criteria.
Quality Control Trainee
Arab National Bank (anb)
02.2020 - 04.2020
- Determined and documented credit administration quality reports.
- Assessed risk and evaluated Key Risk Indicator.
Education
Bachelor - Actuarial and financial mathematics
King Saud University
Skills
- ECL models implementation
- SAS programming
- Power BI proficiency
- Microsoft Office suite
- Data analysis
- Team collaboration
Websites
Certification
- IFCE
- TOEFL (587)
Languages
Arabic
Native
English
Fluent
Courses
- 11/2024 Power BI - Business Intelligence LEORON
- 10/2024 SAS Macro Language 1 : Essentials SAS
- 08/2024 SAS Enterprise Guide 1: Querying and Reporting SAS
- 01/2024 Credit Scorecard Development and Implementation Training SAS
- 11/2023 SAS for beginners Coursera
Timeline
Quality Control officer
Saudi Alliance Insurance
10.2020 - 04.2021
Consumer Credit Senior officer
Arab National Bank (anb)
04.2020 - 12.2025
Quality Control Trainee
Arab National Bank (anb)
02.2020 - 04.2020
Bachelor - Actuarial and financial mathematics
King Saud University