Qureos Mentor

Abu Dhabi Islamic Bank - Egypt

<div>
 
 
 JOB PURPOSE:
 
 
 
 To manage a portfolio in Commercial Banking Unit, marketing &amp; soliciting new relationships in-order to achieve predetermined objectives, with coverage of Cairo and other governorates in Egypt (excluding Alex and Delta)
 
 
 
 KEY ACCOUNTABILITIES:
 
 
 
 
 Functional:
 
 
 <ol>
 <li>
 Screens Proposed Customers against Target Market Plan and Risk Acceptance Criteria, to initially identify ADIB EGYPT credit risk appetite for obligors and setting the facility structure, subject to Business and Risk Management approvals and the Wholesale Bank Policy.
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 Furnishes / updates the Business Analyst with client information, financial statements, and relevant data, for the different types of CA reviews (Annual, Initial, Interim etc.).
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 Reviews/Approves extensions of credit (for Credit Officers) and ensure that the data within these extensions of credit are accurate and that they are designed with the appropriate requested facility package and all credit risks are properly addressed.
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 Ensures that the extensions of credit are consistent with the relationship profile and endorsing the risk/reward balance.
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 Ensures appropriate obligor / facility risk ratings in line with the risk ratings Policy of the bank.
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 Conducts regular accounts follow up assisted by periodical reports to avoid the manifestation of past dues, excess and the breach of terms and conditions of the approved facilities.
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 Monitors changes in the risk position of the clients using renewal and monitoring tools, and are promptly communicated to Business and Risk managers.
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 Maintains regular contacts with customers to sort any internal/ departmental issues with immediate action, supporting CSU Service Unit to serve customers in the best way, as per approved SLA.
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 Conducts periodic client calls / site visits and document client calls with the frequency indicated in the Credit Analysis section.
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 Maintains customer loyalty and promote brand identity by providing excellent customer service via regular updates and reviews on bank&rsquo;s range of financial products as well as customers&rsquo; financial needs.
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 Provides quality service to clients and closely follow up and ensure the processing of all requests (new facilities, increase of existing facilities, amendments, waivers, operations requests etc) up to their satisfaction duly within SLAs without deviation.
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 Conducts marketing calls to screen the market And approaching potential relationships.
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 Identifies expansion opportunities with existing clientele base to achieve portfolio growth.
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 Monitors practices of competition and report findings to Unit &amp; Department Heads.
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 Provide product specialists with qualified referrals for cross-sell. Responsible for overall parent relationship management and providing a wide range of treasury, cash management, trade and corporate finance products and solutions.
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 Monitors Past Dues Report, and take any required action, after consulting with Unit Head and/or Wholesale Bank Head.
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 Ensures that extensions of credit follow regulatory limits and the Central Bank of Egypt regulations and guidelines.
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 Initiates &ldquo;credit checking&rdquo; and &ldquo;Central de Risqu&eacute; &ndash; CBE&rdquo; requests, and ensure their completeness by the time of the credit approval.
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 Provides recommendations to improve the current procedures and processes to ensure that work is carried out in an efficient manner.
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 And any other assigned tasks.
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 </ol>
 
 
 QUALIFICATIONS:
 
 
 
 
 
 Academic and professional qualifications
 
 
 
 <ul>
 <li>
 University/College Degree
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 MBA is an advantage
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 <li>
 Core Credit Course
 </li>
 </ul>
 
 
 
 Experience and other requirements
 
 
 
 <ul>
 <li>
 
 Basic Qualifications:
 
 </li>
 <li>
 Islamic Banking Knowledge
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 Sound understanding of corporate, treasury, cash and trade, corporate lending products and other products offered
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 Strong credit appraisal and marketing skills, with the ability to interpret complex financial information.
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 High quality experience in a credit management position
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 Proven track record of meeting/exceeding revenue target
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 Excellent interpersonal skills, including listening skills/temperament
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 Excellent communication (written and verbal) and negotiation skills
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 Able to build and sustain good personal contacts with client executives at varying levels of seniority, balancing client needs and ADIB objectives/priorities
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 Creativity - an enquiring mind willing to develop a detailed understanding of client issues/needs and develop ideas/solutions in response Strong work ethic; high energy levels; results oriented - a self-starter prepared to take the initiative to start topics and/or follow issues through, whilst exercising judgment as to when to seek assistance
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 Networking - Maintaining close contact with coverage, product and risk specialists within ADIB EGYPT.
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 Natural Team Player - Having an adaptable/flexible approach; willing to work in a co-operative manner to fulfil client and internal requirements.
 </li>
 <li>
 
 Years of experience:
 
 </li>
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 ARM: 2-3 years
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 RM: Min 5 years + Credit Course
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 SRM: Min 10 years + Credit Course
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 </ul>
</div>

Corporate Banking ARM/RM/SRM (Commercial & Public Sector)

<div>
 
 
 KEY ACCOUNTABILITIES
 
 
 
 
 1- Product Strategy and Development:
 
 
 <ul>
 <li>
 Develop and execute a product strategy for fintech products and co-brand card programs, aligning with the overall business objectives.
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 Conduct market research and analysis to identify customer needs, market trends, and competitive landscape.
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 Identify new product opportunities and enhancements based on market insights and customer feedback.
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 Collaborate with internal teams to define product requirements, features, and functionality.
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 Manage the end-to-end product development lifecycle, from ideation to launch.
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 </ul>
 
 
 2- Product Management and Execution:
 
 
 <ul>
 <li>
 Define product roadmap and prioritize features based on business goals and customer needs.
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 Collaborate with cross-functional teams to ensure successful product execution, including technology development, marketing campaigns, and operational processes.
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 Monitor product performance, analyse key metrics, and identify opportunities for improvement.
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 Conduct A/B testing and user research to optimize product features and user experience.
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 Stay updated on industry trends, regulatory changes, and best practices in the fintech and co-brand card space.
 </li>
 </ul>
 
 
 3- Partnership and Relationship Management:
 
 
 <ul>
 <li>
 Cultivate and maintain partnerships with fintech companies, co-brand partners, and external vendors.
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 Collaborate with partners to develop joint marketing initiatives, promotions, and co-branded campaigns.
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 Negotiate and manage contractual agreements, ensuring compliance and mutually beneficial terms.
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 Monitor partner performance, track program metrics, and identify areas for growth and optimization.
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 </ul>
 
 
 4- Risk Management and Compliance:
 
 
 <ul>
 <li>
 Ensure compliance with applicable regulations, card network rules, and data privacy requirements.
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 Collaborate with legal and compliance teams to implement necessary controls and safeguards.
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 Monitor and mitigate risks associated with product features,partnerships, and customer data.
 </li>
 </ul>
 
 
 
 Minimum Qualifications:
 
 
 
 <ul>
 <li>
 
 Education:
 
 Bachelor degree, Masters is a plus
 </li>
 <li>
 Bachelor's degree in business, finance, marketing, or a related field. MBA or relevant post-graduate degree is preferred.
 </li>
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 Minimum of
 
 6-8 years
 
 of experience preferably in product management within the banking industry, with some exposure on Fintech &amp; co-brand card programs.
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 Strong knowledge of banking products, payment systems, and card networks.
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 Demonstrated success in developing and launching innovative products.
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 Proven leadership and team management abilities.
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 Excellent analytical, strategic thinking, and problem-solving skills.
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 Strong communication, negotiation, and relationship management skills.
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 </ul>
 
 
 
 Generic Skills:
 
 
 
 <ul>
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 Team management as implementation manager works with multiple teams simultaneously, and need to know how to attend to the needs of each team
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 Conflict management, skilled negotiators and conflict managers.
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 Time management, knows how to set a deadline &amp; how to meet it. Responsiveness and proactive.
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 Communication skills, has to be a highly skilled communicator so he/she can address different audiences using audience-appropriate language to communicate their meaning clearly and efficiently
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 Good communication, proactive, results driven, innovative.
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 Analytical &amp; results orientation skills
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 Multitasker , details-oriented &amp; creative thinking
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 </ul>
</div>

Co-brand and Fintech Manager

<div>
 
 
 Primary Purpose
 
 
 
 Owns the strategy, architecture, and delivery of end-to-end AI/ML solutions; ensures compliance with banking regulations and internal policies; mentors juniors; partners with business owners to realize financial impact.
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 Strategy &amp; Prioritization
 
 
 <ul>
 <li>
 Participate in build and maintain AI roadmaps aligned to business OKRs and regulatory requirements.
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 Prioritize high-ROI use cases (risk, fraud, AML, CX, revenue uplift, cost reduction).
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 </ul>
 
 
 Solution Architecture
 
 
 <ul>
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 Define target data and MLOps architecture (data lake/warehouse, feature store, model registry, CI/CD).
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 Select tooling stack (e.g., Python, SQL, Spark, MLflow, feature store, Docker/Kubernetes, Airflow/Argo, API gateways, math, LLM tools, Gen AI tools, Agentic AI tools , &hellip; ).
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 </ul>
 
 
 Data &amp; Feature Governance
 
 
 <ul>
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 Establish data quality SLAs, lineage, cataloging, PII handling, and approval workflows.
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 Define and curate reusable feature store assets with business definitions.
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 </ul>
 
 
 Model Development &amp; Review
 
 
 <ul>
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 Lead modeling approach selection; design experiments and validation plans.
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 Enforce controls: bias testing, stability tests, challenger models, reject inference (where appropriate), and backtesting.
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 Ensure explainability (SHAP/feature attributions), documentation, and approval packs for Model Risk Management.
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 </ul>
 
 
 Deployment &amp; MLOps
 
 
 <ul>
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 Standardize CI/CD for models, automated tests, reproducibility, canary/blue-green releases, and rollbacks.
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 Define monitoring KPIs: performance, calibration, drift, data quality, and fairness; design alerting and retraining triggers.
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 </ul>
 
 
 Risk, Compliance, and Security
 
 
 <ul>
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 Align with regulatory expectations (e.g., model governance, fair lending principles, AML/CTF).
 </li>
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 Ensure secure data handling: encryption, masking, segregation of duties, access reviews.
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 </ul>
 
 
 Business Integration &amp; Value Realization
 
 
 <ul>
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 Translate model outputs into decisions, thresholds, and policies; integrate with decision engines and channels.
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 Track realized impact with finance (uplift, loss reduction, approval rates, NPLs, fraud savings, CX metrics).
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 </ul>
 
 
 Leadership &amp; Mentorship
 
 
 <ul>
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 Coach juniors via code reviews, pair programming, and learning plans.
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 Build documentation, templates, and runbooks.
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 </ul>
 
 
 Stakeholder Management
 
 
 <ul>
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 Communicate risks, timelines, and outcomes to executives; coordinate with IT, InfoSec, Audit and AI committee.
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 </ul>
 
 
 
 
 
 Required Skills &amp; Experience
 
 
 <ul>
 <li>
 7+ years in banking AI/ML or fintech; successful production deployments in credit risk/fraud/AML/marketing analytics is preferred.
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 Strong in Python/SQL; experience with Spark; containerization (Docker), CI/CD; orchestration (Airflow/Argo); APIs (REST/GraphQL), LLM / Gen AI tools.
 </li>
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 Solid grasp of feature engineering for financial data, time-series methods, imbalanced classification, uplift modelling, and behaviour analysis.
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 Cop with all AI new technologies, concepts with converting latest technologies to real life applications.
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 MRM/Responsible AI: bias testing, interpretability, stability, documentation, and audit readiness.
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 On-prem patterns; security and privacy best practices.
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 Communication and leadership across technical and non-technical stakeholders.
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 </ul>
 
 
</div>

Artificial Intelligence Manager

<div>
 
 
 
 Key Responsibilities
 
 
 
 <ul>
 <li>
 Execute consumer credit operations activities for the non-secured facilities.
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 Review all the received documents with the conditions stated in the credit approval.
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 Follow disbursement steps through the bank&rsquo;s system and specifying the right payment method.
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 Register and report all the data related to credit limits, loans and guarantees.
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 Execute of the issuance of buyout drafts to the other banks in addition to the required deals&rsquo; reversal on the system for any revised approval cases.
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 Execute buyouts through:
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 Place hold for buyout incremental amounts to customers&rsquo; accounts as per identified policy.
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 Execute the issuance of buyout drafts to other Banks in addition to the required deals&rsquo; reversal on the system for any revised approval cases.
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 Register the movement of checks, including issuing and archiving and follow up the buyout checks status with the clearing center.
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 Execute activities related to Auto Loans:
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 Prepare daily and monthly drafts for vendors, sales commissions and VAT commissions.
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 Prepare approved auto sales schemes&rsquo; commissions.
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 Update auto portfolio by all related data to insurance and car details.
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 Support legal, audit and collection of consumer risk functions by providing the required documents in order to save the bank&rsquo;s rights.
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 Reply within SLA to the inquiries of branches, sales coordinators and risk and ensure that replies are sent on time.
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 Prepare required reports regarding the following and ensure their submission within the set time frames.;
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 All the data related to credit limits, loans and guarantees.
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 Prepare ID forms to be send to CBE in accordance to identified regulations.
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 Archive all documents after execution such as; booking, maintenance, insurance and customer requests documents as well as the approved files.
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 Execute UAT testing and review the results to ensure correct implementation.
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 Investigate to solve received complaints in cooperation with Consumer Rights Protection &ndash; Compliance &amp; Governance &ndash; in accordance with the policies and procedures and identified SLA.
 </li>
 </ul>
 
 And any other assigned Tasks.
 
 
 
 
 
 
 
 Minimum Qualifications
 
 
 
 <ul>
 <li>
 Bachelor degree
 </li>
 </ul>
 
 
 
 
 
 
 Minimum Experience:
 
 
 
 <ul>
 <li>
 2+ years of relevant banking experience
 </li>
 </ul>
 
 
 
 
 
 
 Job-Specific Knowledge &amp; Skills:
 
 
 
 <ul>
 <li>
 Preferred previous internship experience/ university activities.
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 Very good command of MS Word &amp; MS Excel.
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 </ul>
 
 
 
 
 
 
 Personal Skills
 
 
 
 <ul>
 <li>
 Self-motivation.
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 Communication.
 </li>
 </ul>
</div>

Credit Processing Officer (Centralized Operations Dept.)

<div>
 
 
 KEY ACCOUNTABILITIES
 
 
 <ul>
 <li>
 Required performance that is consistently strong and meets all targets at the set standards and TAT.
 </li>
 <li>
 Increase the activation, retention rates on covered cards portfolio
 </li>
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 Proactively contacting new cardholders to proceed for cards activation and ensure a smooth and efficient experience.
 </li>
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 Promoting the benefits and features of the covered card to encourage early and regular usage by the new cardholder
 </li>
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 Contacting the voluntary closure requests and communicating personalized retention offers that cater to the specific needs and preferences of, encouraging them to retain their card.
 </li>
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 Documenting customer interactions and retention efforts to maintain accurate records and track the effectiveness of various retention strategies
 </li>
 <li>
 Identify opportunities to cross-sell add-on products such as Easy Payment Plan (EPP), Cash On Call (COC), Balance Transfer (BT), Supplementary Cards and Insurance services.
 </li>
 <li>
 Present relevant offers to cardholders based on their needs and preferences
 </li>
 <li>
 Address customer inquiries, concerns, and complaints promptly through outbound calls and effectively, striving for first-call resolution and ensuring a positive customer experience.
 </li>
 <li>
 Monitor customer accounts and lifecycle events, such as account upgrades, credit limit changes to proactively intervene and address customer needs.
 </li>
 <li>
 Maintain up-to-date knowledge of card products, services, and industry trends to effectively communicate value propositions and address customer inquiries.
 </li>
 <li>
 Ability to adapt to rapidly changing conditions; handling differences; demonstrating initiative, drive persistence and involvement in work
 </li>
 <li>
 Consider performance under pressure and handling of variety of assignments
 </li>
 </ul>
 
 
 
 Minimum Qualifications:
 
 
 
 <ul>
 <li>
 
 Education:
 
 Bachelor degree
 </li>
 <li>
 
 Experience:
 
 0-3 years&rsquo; work experience
 </li>
 </ul>
 
 
 
 Generic Skills:
 
 
 
 <ul>
 <li>
 V. Good communication skills
 </li>
 <li>
 Good responsiveness and problem solving skills
 </li>
 <li>
 Good Analytical &amp; Negotiation skills
 </li>
 <li>
 Results orientation skills
 </li>
 <li>
 Microsoft Office
 </li>
 </ul>
</div>

Customer Life Cycle Officer (CLCU)