Operations Officer - Credit Administration

About Emirates NBD

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs.

At the bank, we serve our customers and help them realize their financial objectives through a range of banking products and services including retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations.

We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region.

What You Will Be Doing

• Ensure that transactions are processed in line with CRAD Framework & PFDs/SOPs with 100% accuracy.

• Ensure that loan disbursed are as per the disbursement controls in FRS/EFRS

• Ensure accurateness in all internal and external reporting --- Other MISs

• Due diligence in executing /preparing of transactions and error rate must be less than 1%.

• Ensure all audit issues are addressed in a timely manner

• Ensure that transactions are carried out in line with the ongoing recommendations made by management (Internal Circulars)

• Assist CRAD in achieving satisfactory audit rating.

• Understand and adhere to policy, procedures, and guidelines ongoing basis.

• Compliance with Circulars / CRAD framework/ PFDs.

• Minimal adverse audit observations.

• Ensures TATs for activities are within target levels.

• Meet TAT as per agreed SLA with BUs & timely appropriate response to ensure BU queries / complaints / reports / queries from GCD/ reduce disruptive transactions.

• Responses to BUs to be in line with queries raised and with 100% accuracy.

• TAT’s adherence will be assessed by CSAT scores.

• Ensure proactive lead and participation in UAT/ implementation of all projects assigned within the agreed timelines.

• Assist and implement CRAD project portfolio & process improvement initiatives

• Provide at least 2 process related initiatives which can be implemented in the department to improve the process & the quality of the activities carried out by the unit.

• Provide at least 2 Control related initiatives to reduce the errors highlighted during the current QA/INA.

• Implement Automation of reports and tracking mechanism for the manual activities at CRAD

• Develop technical & soft skills of self-attending both with L&D for both internal & external programs assigned by the managers.

• Continuous updating of process / procedures in vogue from time to time & measuring up the training needs in line with the Training Schedule in consultation with supervisor. Ensure completion of all mandatory training within timelines.

• To update awareness of the procedure and significance of the tasks assigned through knowledge of CRAD Framework, PFDs, and operational related manuals.

• Develop new skills and technique to assist in the assigned tasks and to improve quality of work

What We are Looking for

• 3 -5 years in the Banking /Finance industry preferably in Corporate.
• Local experience of Laws governing the Banking Industries
• Knowledge of corporate products, MIS, computer literacy & any corporate banking system
• Ability to read and comprehend banking terms.
• Team player and flexible in approach
• Initiative oriented thinking to achieve self-development and growth.

What We Offer You

• Competitive salary package.
• Strong emphasis on work-life balance and employee wellbeing.
• Access to world-class Learning & Development platforms for career growth.
• Generous annual leave and comprehensive Private Healthcare coverage.
• Preferential banking facilities for employees.

Why Join Us

At Emirates NBD Services, we aim to be the employer of choice by helping you unlock your true potential through the right opportunities. We are reimagining the future of work to ensure every employee thrives in an environment that promotes growth, upskilling, and the development of digital skills. Our goal is to empower our employees to build meaningful careers with experiences that shape their future and contribute to Emirates NBD's success. Regardless of your background, location, or preferences, we want every employee to feel connected and engaged as part of the Emirates NBD services team.