avp lead credit management retail consumer goods

bankfab

<div><div>Job Description</div>
<div>
<p><b>Job Purpose:
</b></p><p>The purpose of this role is to take credit ownership from underwriting to obtaining necessary approvals for the assigned portfolio of clients across Retail &amp; Consumer Goods (RCG) segment within the Wholesale Banking. Aside of ensuring all propositions are in compliance with Group Credit Policy and guidelines, the role&rsquo;s purpose is also to provide guidance and expertise across full spectrum of product offering(s) working with Coverage &amp; Product teams as also engaging with the client, where necessary, in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
</p><p><b>Key Accountabilities:
</b></p><p><b>Generic Accountability
</b></p><ul><li>Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring.
</li><li>Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
</li><li>Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
</li><li>Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
</li><li>Ensures that appropriate Target Market Risk Acceptance Criteria and Credit Policy guidelines are followed as part of approval process.
</li><li>Conduct and where appropriate, guide a team of analyst(s), to conduct robust credit analysis and obtain appropriate approvals.
</li><li>Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.
</li><li>Guides Coverage / Product teams on credit appetite and way and means to optimize the same to achieve optimal risk-reward balance as per established guidelines.
</li><li>Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
</li><li>Ensure accuracy of data being presented to various stakeholders including senior management
</li><li>Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
</li><li>Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy
</li><li>Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented
</li></ul><p><b>Job Specific Accountabilities
</b></p><ul><li>Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
</li><li>Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
</li><li>Ensure credit processing &amp; approval turnaround times as per agreed SLAs with Business Segment.
</li><li>Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
</li><li>Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
</li><li>Ensure all excesses, exceptions, overdue annual reviews, covenant deficiencies, ensuring current collateral valuations and deficiencies in terms and conditions vis-&agrave;-vis lending portfolio are monitored, controlled and addressed.
</li><li>Oversight the mark-to-market revaluation and margin monitoring process and liaise with the respective RMs to rectify any margin call situations.
</li><li>Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
</li><li>Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
</li><li>Manage problem credits closely, and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
</li><li>Ensure asset classification and provisioning is in line with statutory and policy guidelines including any risk downgrades.
</li><li>Providing senior level advisory support on credit policies, lending structures, documentations and guidance to business heads/units in managing complex credit risks, providing practical solutions.
</li><li>Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
</li></ul><p><b>Qualifications &amp; Experience:
</b></p><p><b>Minimum Qualification
</b></p><ul><li>Must have Bachelor&rsquo;s degree.
</li><li>Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
</li></ul><p><b>Minimum Experience
</b></p><ul><li>Minimum 10 years relevant experience in the banking sector with at least 4-5 years in Corporate / Wholesale Credit Credit function.
</li><li>Proven experience in Corporate Credit underwriting, preferably across Retail &amp; Consumer Goods, TMT, and Real Estate portfolios.
</li><li>Strong track record of preparing committee‑ready credit proposals for senior management and credit committees.
</li><li>Expert knowledge of trade, loan, and working capital products, with hands‑on experience in syndicated and structured facilities, including RCF transactions.
</li><li>Solid understanding of Investment and Global Markets products
</li><li>Ability to assess credit risk with a strong focus on underlying business fundamentals, cash flows, and sustainability of the business proposition.
</li><li>Demonstrated strong credit underwriting, financial analysis, and deal structuring skills.
</li><li>Good understanding of legal and regulatory framework.
</li><li>Ability to work under pressure
</li><li>Strong communication skills &ndash; written and spoken</li></ul></div></div>
<br><div><div>Responsibilities</div></div><div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

AVP & Lead, Credit Management, Retail & Consumer Goods

<div><div>Job Description</div>
<div>
<p>Join the UAE&rsquo;s largest bank and one of the world&rsquo;s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting &amp; dynamic industry.
</p><p><b>Job Purpose:
</b></p><div>To manage and grow relationships with large and strategic clients within the assigned portfolio in the Retail &amp; Consumer Goods segment of Wholesale Banking. Drive new business origination while ensuring full compliance with Credit and Risk frameworks. Improve service quality levels and supervise the day‑to‑day activities and client interactions of subordinates to ensure the team consistently meets its objectives and achieves revenue targets, while maintaining strong client satisfaction and portfolio credit quality. Promote effective cross‑functional collaboration to deliver integrated financial solutions. High collaboration required internally and externally, with local and international client outreach (includes meetings in different time zones and tight deadline submissions). A highly engaged individual who can drive the business and internal processes to ensure approvals are sought in a short time span. Achieving financial targets and strategic objectives will be essential in driving sustainable growth and maintaining profitability.<br>
</div><div></div><div><b>Key Accountabilities:<br>
</b></div><div></div><p><b>Business Origination
</b></p><ul><li>Originate new business opportunities with target clients across banking products and in line with relevant policies.
</li><li>Achieve individual and team&rsquo;s financial performance targets
</li><li>Obtain support from relevant stakeholders and governance forums to execute deals (e.g., credit, products, GT).
</li><li>Draft Term Sheets, Information Memorandums, Mandate letters etc.
</li><li>Examine &amp; resolve credit, market and operational risk aspects of transactions in collaboration with products and enablement units.
</li><li>Leverage FAB&rsquo;s network expansion through cross border deals.
</li><li>Expand Products Penetration Through Sector-Focused Solutions.
</li><li>Ensure high returns with satisfactory yields and sufficient ancillary business.
</li><li>Maintain the credit quality of the client's relationships within the Portfolio to an acceptable level set by the
</li><li>Pitch, review, negotiate and conclude deals.
</li><li>Develop and maintain strong relationships with key decision makers in other banks to originate business.
</li><li><p>Up to date with the latest market, competitors, regulatory and industry and amend accordingly the account plans as when applicable.
</p></li><li><p>Ability to handle sophisticated transactions and engage assigned team members.
</p></li><li><p>Recommend policy amendments as when required to match with the latest business trends.<br>
</p></li></ul><p></p><p><b>Client Relationship Management
</b></p><ul><li>To achieve assigned financial and non-financial objectives by meeting all borrowing &amp; non borrowing needs of customers with target segments (E.g., borrowers, transactors, depositors).
</li><li><p>Prepare and Maintain Group Account Plans for all clients with support from relevant partners (e.g., products, international banking, Employee banking, Asset Management, etc.).
</p></li><li>Act as the main point of contact for clients, ensuring quality service and effective resolution of issues.
</li><li><p>Prepare briefing note memos ahead of senior management meetings with clients.
</p></li><li><p>Engage with internal stakeholders to obtain approvals for client RFPs in a timely manner.
</p></li><li><p>Increase wallet share with existing clients through strategic engagement and product penetration.
</p></li><li><p>Support on the conduct of annual/periodic credit facility reviews in the existing portfolio in a timely manner and support on the recommendation of appropriate credit facilities in line with the banks credit. policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/ upgrades.
</p></li><li>Develop, Implement and maintain complete control aspects i.e., documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.
</li><li>Organize client meetings with relevant partners/ seniority to deepen FAB relationship within the portfolio.
</li><li>Identify &amp; develop cross selling opportunities and increase cross-sell ratio and returns with clients.
</li><li>Support client on their day-to-day banking requirements with support from the team (as applicable).
</li><li>Ensure customer satisfaction remains high and meets the targeted NPS score.
</li><li>Be knowledgeable on market trends and manage a disciplined marketing process by identifying steps/strategies necessary to effectively initiate relationships with prospects.
</li><li><p>Onboard new clients as and when required.
</p></li></ul><p><b>Collaboration
</b></p><ul><li>Align with Retail &amp; Consumer Goods team as well as other partners to identify and convert opportunities.
</li><li>Collaborate with other business divisions to drive cross-BU collaboration. Develop proposition strategy, competition analysis, focused group approach, service delivery model, customer experience, internal &amp; external campaigns and alignment with other Products &amp; proposition including Risk policies, Payment &amp; Cash management, Trade products, collaboration with Retail banking including Private Banking, etc.
</li><li><p>Align with International banking to support client in FAB network locations.
</p></li><li><p>Support Unit/Divisional/Bank-wide initiatives (as required or assigned).
</p></li></ul><p><b>Operational
</b></p><ul><li><div>Assist the Executive Director / Line Manager in the day-to-day administrative and transactional activities such as client calls, payment processing, documentation follow up, account openings, updating pipeline, and any other activities in the unit/team to ensure continuity of work and the delivery of effective and high-quality outputs.
</div></li><li><div>Manage and follow up on KYC and compliance requirements in order to ensure consistency with the Bank&rsquo;s KYC and AML policies and regulatory requirements.
</div></li><li>Follow all relevant policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.
</li><li>Present transactions/proposals to the Credit Allocation Committee (CAC) for approvals.
</li><li><p>Run deal RAROCs and draft CAC submissions, ensuring delivery on CAC promises to achieve target RAROC thresholds.
</p></li><li><p>Prepare Green Light Memos for deal screening and Client Credit Applications (CAs).
</p></li><li>Review CAs and draft relationship comments before submission to Credit Committees.
</li><li><p>Ensure all credit reviews are submitted on time and agreed conditions are met.
</p></li><li><p>Address Credit inquiries, liaise with CAD and Legal for documentation matters.
</p></li><li>Conduct periodic reviews of risks (credit, operational, compliance etc.) within the portfolio on a regular basis.
</li><li>Drive day-to-day administrative and transactional activities for the team such as client calls, documentation follow up, pipeline updates, and any other activities in the unit/team to ensure continuity of work and delivery of effective/high quality output.
</li><li>Ensure that internal processes for existing portfolio/ NTBs are in-line with the Bank's policies &amp; procedures.
</li><li>Manage and follow up on KYC and compliance requirements to ensure consistency with the Bank's KYC and AML policies and regulatory requirements.
</li><li>Ensure all clients' files [documents] are maintained.
</li><li>Maintain a satisfactory audit on the portfolio.
</li><li>Adhere to process KPl's and, ORM, BCP &amp; Internal Audit requirements.
</li><li>Prepare timely and accurate statements and reports to meet the unit's requirements, policies, and standards.
</li><li><div>Learning &amp; Development &ndash; Attend appropriate on and off-the-job training programs.
</div></li><li><div>Ensure that all internal processes for existing portfolio and NTBs are met in line with the Bank&rsquo;s policies &amp; procedures.
</div></li><li><div>Adhere to process KPI&rsquo;s and, ORM, BCP &amp; Internal Audit requirements<br>
</div></li></ul><div></div><p><b>Policies, Systems, Processes, and Procedures
</b></p><ul><li>Follow all relevant policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.
</li></ul><div><b>MIS and Reports
</b></div><ul><li>Assist in the preparation of timely and accurate statements and reports to meet the unit&rsquo;s requirements, policies, and standards.
</li></ul><p><b>Client and Market Analysis
</b></p><ul><li><div>Conduct financial analysis on clients and their respective geographies/ industries/ markets to identify potential opportunities and risks.<br>
</div></li></ul><div></div><p><b>Leadership
</b></p><ul><li><div>Act as Role Model for the entire Retail &amp; Consumer Goods group and Retails &amp; Wholesale team
</div></li><li><div>Lead, Mentor, Motivate, Develop and Coach team members to ensure career growth and short &amp; long term successors
</div></li><li><div>Establish high-performance culture and ensure high engagement levels.
</div></li><li><div>Encourage ownership through rightful assignments to team members.
</div></li><li><div>Achieve individual and team's financial performance targets.
</div></li><li><div>Learning &amp; Development Attend appropriate on and off-the-job training programs and ensure own development and upgrade skills of team members.
</div></li><li><p>Involvement in team members new hirings.
</p></li></ul><p><b>Qualifications &amp; Experience:
</b></p><p><b>Minimum Qualification:
</b></p><ul><li><div>Bachelor&rsquo;s degree in finance or related discipline.
</div></li><li><p>CFA, or master&rsquo;s degree in business administration is preferred.
</p></li></ul><p><b>Minimum Experience:
</b></p><ul><li><p>12+ years of experience in Banking with at least 8+ years in senior role of team management.
</p></li></ul><p><b>Knowledge, Skills, and Attributes:
</b></p><ul><li><div>Deep Knowledge of Wholesale Banking or Investment Banking with exposure to Retail &amp; Consumer Goods.
</div></li><li><div>Strong understanding of credit analysis, trade finance, and treasury products.
</div></li><li><div>Excellent relationship management, negotiation, and leadership skills.
</div></li><li><div>Ability to manage complex client structures and deliver on strategic objectives.
</div></li><li><div>Understanding of FAB's product offering and business strategy.
</div></li><li><div>Ability to collaborate with a wide range of stakeholders to drive business.
</div></li><li><div>Strong relationship management skills both internally and externally.
</div></li><li><div>Sound communication skills (written and verbal).
</div></li><li><div>Ability to analyze and research information.
</div></li><li><div>Deep Financial and credit analysis ability with an aptitude to identify opportunities and close business deals.
</div></li><li><div>Data analysis and financial modelling skills
</div></li><li><div>Ability to work under pressure and adjust quickly to changing priorities
</div></li><li>Proficient in MS Office (excel, word and Power-point).</li></ul></div></div>
<br><div><div>Responsibilities</div></div><div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

Director, Retail & Wholesale

<div><div>Job Description</div>
<div>
<p>JOB PURPOSE:
</p><p>The Specialist Sourcing is responsible for executing strategy for aligning the demand/supply (i.e. procurement) of goods and services for specific sourcing category area of responsibility.
</p><p>The Specialist Sourcing will deliver measurable and demonstrable value to the Organization by using strategic sourcing, commercial and legal negotiations, contract enablement, and life-cycle management for specific sourcing category areas of responsibilities<br>
</p><p></p><p>KEY ACCOUNTABILITIES:
</p><div><ul><li><p>The Specialist Sourcing is responsible to ensure suppliers and contracts are delivering value for money, minimizing risk, and improving service and social objectives for the categories of responsibility
</p></li></ul><ul><li><p>Provides leadership and accountability, ensuring process compliance and delivering optimal sourcing benefits from category management.
</p></li></ul><ul><li><p>Ensures best commercial value is negotiated and obtained for purchases. Specifically prepare requests for quotations, negotiate, select and identify most appropriate supplier (price, quality, conditions&hellip;) in collaboration with requesting department. Also negotiate contracts with legal department.
 </p></li></ul><ul><li><p>Works with the Category Manager and Head of Sourcing to defined FAB Category strategy, setting performance objectives and monitoring progress. Also actively engaging with and securing support from key local stakeholders (Finance, HRG,&hellip;)
</p></li></ul><ul><li><p>Collaborates with stakeholders to create, manage, and execute category plans e.g.:
</p></li></ul><ul><li><p>Develops annual category sourcing plans through detailed analysis of contracts, spend analysis, usage patterns, future demands, and benchmark data ensuring full alignment between FAB requirements and SVM targets.
</p></li></ul><ul><li><p>Lead transformational change through category strategies to include demand management, specification review, and &ldquo;grouping&rdquo; of similar goods and/or services using catalogue management techniques.
</p></li></ul><ul><li><p>Ensure that SVM Sourcing Management is aligned with FAB corporate Strategies, in cooperation with business planning and strategy and delivers results to the bottom line.
</p></li></ul><ul><li><p>Ensures that market intelligence is updated regularly and - ensures that any changes are updated in the category strategy and the appropriate steps are taken accordingly to mitigate any potential impact that this information may have to the organization
</p></li></ul><ul><li><p>Champion best practices in category management across the organization through publishing case studies, working with stakeholders, conducting peer training workshops, and sharing good experiences
</p></li></ul><ul><li><p>Represent sourcing in cross-functional teams for large initiatives to provide input on supplier engagement strategy and value creation.
</p></li></ul><ul><li><p>Create a strategic plan for the sourcing function tied to the bank's overall corporate strategy with clear objectives, initiatives, and targets.
</p></li></ul><ul><li><p>Act as the single point of contact for the stakeholders (both internal and external) to identify collaborative opportunities and align sourcing to the banks wider strategy
</p></li></ul><ul><li><p>Monitors and reports all strategic savings on a monthly basis to the Head of Sourcing.
</p></li></ul><ul><li><p>Continuously reviews category management information to identify &ldquo;new opportunities&rdquo; to minimize any potential savings gap.
</p></li></ul><ul><li><p>Provide expertise, leadership and support to FAB organizations to drive overall productivity program, promoting best practice sharing, benchmarking, market intelligence, etc.
</p></li></ul><ul><li><p>Actively participate and contribute to the development of SVM as a value adding function within the FAB organization through empowered and experienced stakeholder management<br>
</p></li></ul></div><p></p><p>QUALIFICATIONS &amp; EXPERIENCE:
</p><ul><li><div>English, Arabic desirable
</div></li><li><div>5 years plus demonstrable sourcing category management experience, including writing and executing sourcing category strategies
</div></li><li><div>Demonstrable experience managing sourcing portfolios of $10-30m plus
</div></li><li><div>Strong communication and interpersonal skills to work with senior level stakeholders to build trusted relationships
</div></li><li><div>Ability to align with business strategy and engage Senior Management to reinforce the value of SVM
</div></li><li><div>Can operate in a multi matrix, performance driven structure, able to lead cross-functional projects
</div></li><li><div>Hands on Management style for projects and management of third parties, able to get involved as needed to offer support in group BU operations.
</div></li><li><div>Strong change agent, with the ability to make things happen, gain traction quickly and motivated by successful delivery
</div></li><li><div>Excellent Communicator (verbal and written) and strong negotiator who can effectively manage relationships that are widely dispersed both functionally and geographically.</div></li></ul></div></div><p></p>
<br><div><div>Responsibilities</div></div><div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

Manager, Sourcing (Emiratised Role)

<div><div>Job Description</div></div><div></div>
<br><div><div>Responsibilities</div>
<div>
<p>Core Responsibilities
</p><ul><li>Support AVP of Communication and Performance Framework to establish an engaging communications framework within the Distribution &amp; Sales team for internal communications
</li><li>Support in implementing a clear communication framework increasing the impact of communications, staff engagement and ease to absorb
</li><li>Support with the embedding of the FABWAY framework ensuring it is embedded as a way of working across all of the channels and is devloped to support the growth in the business
</li><li>Support all stakeholders to promote and develop FABWay by embedding, coaching and ongoing improvement of the framework.
</li><li>Organise, plan and run colleague engagement events to create a high performing environment
</li><li>Produce high quality comunications materials and ensure accuracy of the information shared
</li><li>Increase the engagement of all communications, read rates, impacts and understanding
</li><li>Collating and writing monthly business updates e.g. for the PBG monthly newsletter, CX Action plans across D&amp;S)
</li><li>Supporting with Business, Project and Strategic Communications (e.g. Business update packs, Business Cases, Launches etc.).
</li></ul>Recent examples are Digital Branches, D&amp;S Service Journey
<br>
<ul><li>Supporting with projects, particularly from an internal comms perceptive
</li><li>Owning and Driving Customer First Initiatives within D&amp;S.</li></ul></div></div>
<br><div><div>Qualifications</div>
<div>
<p>University Degree or Equivalent Qualification (Sales Diploma or certification preferable)
<br>
Minimum 2 years Banking Experience
<br>
An understanding of employee communications
<br>
Be able to write communications tailored to the audience from senior leadership
<br>
Be well organized and planned and set high standards to deliver recognition events
<br>
Have very high standards of presentation skills and written skills</p></div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

Manager, Communications

First Abu Dhabi Bank (FAB)

<div>
 <strong>
  Company Description
  <br/>
  <br/>
 </strong>
 First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas and beliefs of others. We&rsquo;re in a unique position to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise. At FAB, you&rsquo;ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance. As we embrace different ways of seeing the world, listening to each other and respecting different viewpoints, we grow stronger &ndash; together.
 <br/>
 <br/>
 <strong>
  Job Description
  <br/>
  <br/>
 </strong>
 To effectively Supervise retail sales area to deliver sales targets, offer high level of customer service, and create a challenging and healthy environment where staff can develop. Manage staff to achieve cross sell ratio of 3.0 or greater.
 <br/>
 <br/>
 <strong>
  Core Responsibilities
  <br/>
  <br/>
 </strong>
 <strong>
  Generic Accountability
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Ensure adequate staffing of retail sales department and raise any concerns to BM.
  </li>
  <li>
   Provide input on CSO&rsquo;s performance to the BM.
  </li>
  <li>
   Provide coaching, mentoring and guidance to CSO&rsquo;s
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Job Specific Accountabilities
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Support BM in implementing retail sales change initiatives.
  </li>
  <li>
   Actively Sell / cross sell asset and liability products to new and existing Classic and advantage customer.
  </li>
  <li>
   Ensure retail sales performance meets KPI targets as per customer segments
  </li>
  <li>
   Supervise CSO performance by participating in and leading daily retail sales team meetings
  </li>
  <li>
   Attract new customers to branch through personal relations and existing customer referrals
  </li>
  <li>
   Monitor CSO daily operations and provide necessary authorizations
  </li>
  <li>
   Support CSO&rsquo;s by serving customers during peak times
  </li>
  <li>
   Assign tasks fairly to staff so that no work is left pending at day end
  </li>
  <li>
   Ensure that activities adhere to audit, risk, legal and policy requirements
  </li>
  <li>
   Provide direct coaching, mentoring and guidance to CSO&rsquo;s
  </li>
  <li>
   Identify staff training needs (products, systems, sales skills) and address them.
  </li>
  <li>
   Authorized Financial and Non-Financial transactions.
  </li>
  <li>
   Ensure proper control maintained for all unissued /undelivered credit cards, cheque books, Debit cards and PIN.
  </li>
  <li>
   Attend all incoming e-mail and provide response within 24 hours.
  </li>
  <li>
   Participate in and potentially lead daily retail sale team meeting.
   <br/>
   <br/>
  </li>
 </ul>
 All required branch reports to be reviewed and signed and retained for audit records
 <br/>
 <br/>
 <ul>
  <li>
   Ensure surprise check is conducted on required intervals.
  </li>
  <li>
   Interaction with colleagues/ internal stakeholders and ensure completion of Mandatory trainings
  </li>
  <li>
   NPS: - Ensure assigned NPS target is achieved by representing FAB values and following customer obsessed methodology to ensure high level of customer experience at all times with zero customer complaints.
  </li>
  <li>
   Role of AML /Compliance Coordinator
  </li>
  <li>
   Custodian of Safe deposit locker
  </li>
  <li>
   Cash Vault custody
  </li>
  <li>
   Police alarm
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Specific Accountability
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Work closely with BM to determine how to best achieve sales targets for Classic and Advantage customer and determine the best way to allocate targets among CSO staff
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Qualifications
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Bachelor&rsquo;s degree in any discipline.
  </li>
  <li>
   10 years&rsquo; relevant experience in the banking sector with at least 5 years in similar positions of progressively increasing managerial responsibilities in the branch network function.
  </li>
 </ul>
</div>


Assistant Branch Manager

<div><div>Job Description</div>
<div>
<p>Strategic Responsibilities
</p><ul><li>Manage the team's assigned portfolio and achieve the set financial targets in terms of collection, reduction of provisions and IIS and improving the P&amp;L.
</li><li>Managing, motivating and leading a team of professionals, which has a direct and substantial impact on the Bank&rsquo;s P&amp;L.
</li><li>Lead, manage and direct the assigned team in order to ensure maximum recoveries and turnarounds by offering and implementing creative financial solutions to assist and support customers.
</li><li>Lead the restructuring negotiations with clients with a focus on the recovery and turnaround of those cases considered highly sensitive and difficult, including legal action where necessary.
</li><li>Evaluate restructuring, rescheduling, workout or write off proposals and recommend it for management approval.
</li><li>Ensure that the collection process is carried out within the framework of code of conduct and keeping in mind the reputation of the bank
</li><li>Review the collections strategy regularly and train collectors to ensure that the collection techniques change with change in the legal and economic situation of the country.
</li><li>Ensure capacity planning is in place and a load-balancing is done for the unit.
</li><li>Remain in constant touch with law enforcement agencies and external lawyers and keep the unit updated on any changes anticipated in the legal scenario of the country
</li><li>Ensure low audit risk rating for the unit.
</li><li>Negotiate and work out a best possible settlement with the customer with a win-win approach
</li><li>Ensure that the collection process is carried out within the framework of the bank&rsquo;s code of conduct and keeping in mind the reputation of the bank
</li><li>Set up a strong collection&rsquo;s infrastructure for recovery of delinquent accounts through empanelment of external collection agencies locally and internationally. Maintain regular follow up with the international regions to conclude settlement plans, restructuring proposals and take necessary legal actions where needed for the managed portfolio under their respective regions, to maximize the cash recovery, IIS &amp; provision write back and improved P&amp;L.
</li><li>Liaise internally with multiple units (Credit-CAD-Paralegal) to ensure completion of process of restructures, reschedules, settlements, and legal formalities
</li><li>Coordinate with external entities and empanelled property management companies to inquire about the lease details of the mortgaged units.
</li><li>Managing front end collection team and monitor their performances, updates, and number of calls made
</li><li>Reduce flow rates on front end buckets to ensure delinquency rate downward trend.
</li><li>Managing escalation , complaints, customer&rsquo;s queries ,and meeting up with customers for enhancing resolution and clarifying customer&rsquo;s doubts, and minimizing complaint rates.
</li><li>Legal, regulatory and compliance:
</li><li>Ensure compliance with local legal and regulatory requirements and report any legal and regulatory developments which impact or may impact the collection activities / legal actions.
</li><li>KYC (Know Your Customer)
</li><li>AML (Anti Money Laundering)
</li></ul><p><b>Qualification
</b></p><p>Bachelor&rsquo;s Degree
</p><p>Minimum of 8+ years of experience in consumer banking with at least 3+ years in a managerial role</p></div></div>
<br><div><div>Responsibilities</div></div><div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

AVP & Lead, Collections

<div><div>Job Description</div><div><br>
<p></p><ul><li><p>The position plays a key role in ensuring the accuracy, timeliness, and efficiency of time‑critical and high‑value transactions, including payments to issuers, depositories, and market participants. It supports the governance of share registrar operations&mdash;covering dematerialization, listing, record‑keeping, and shareholder‑related activities&mdash;while maintaining strict adherence to policies, market regulations, and service standards.
</p></li><li><p>The role also contributes to operational planning, resource coordination, and process optimization to strengthen risk management, enhance client satisfaction, and drive continuous improvement. It collaborates closely with internal business teams, IT support, regulators, financial markets, and external stakeholders to ensure smooth execution of projects, system enhancements, regulatory reporting, and operational initiatives.
</p></li><li><div>Risk &amp; Controls Governance
</div></li><li><p>Policy/ Guidelines - Awareness, implementation guidance, and enforcement of related policies and procedures across the region
</p></li><li><p>Alignment &ndash; Ensure alignment to the global, regional and country controls framework as required
</p></li><li><p>Control dashboard/ KRI &ndash; ensure the control dashboards are updated to provide management with a clear view on ongoing risks/issues
</p></li><li><div>Self-Assessment/ Review
</div></li><li><p>Targeted process reviews &ndash; Conduct Process review of emerging risks and new functions/ high risk areas and ensure results are shared and actions taken to resolve potential gaps
</p></li><li><div>Leadership/ Projects/ Metrics
</div></li><li><p>Presentations &ndash; presentation of open issues, CAPs, KRIs, R&amp;C projects for regional and global partners/ leaders
</p></li><li><p>Relationship Management &ndash; Develop strong partnerships within operations groups, as well as other organizations supporting activities (IA, Compliance, etc.)
</p></li><li><div>Knowledge/Experience:
</div></li><li><p>Knowledge of operations risks and controls within Issuer Services Operations is an advantage.
</p></li><li><p>Experience of an operations environment and awareness of the related risks a must
</p></li><li><div>Skills:
</div></li><li><p>Ability to perform reviews or processes and identify issues/ gaps
</p></li><li><p>Strong influence/negotiation skills
</p></li><li><p>Excellent written and verbal communication skills Arabic and English and aptitude in communicating with senior management
</p></li><li><p>Creative, innovative, dynamic, high-energy levels with strong initiative
</p></li><li><p>Proficient in MS Office products, particularly Excel and PowerPoint.
</p></li><li><p>Excel Macro and AI tools
</p></li><li><div>Competencies:
</div></li><li><p>Ability to work to tight deadlines as part of a team
</p></li><li><p>Exhibit good attention to detail while focused on delivery
</p></li><li><p>Ability to work on several initiatives concurrently and cope with changes in priorities
</p></li><li><div>Team Management
</div></li><li><p>Assist in organizing and managing the work of the assigned team to ensure that all work within a specific area of the activity is carried out in an efficient manner, which is consistent with operating procedures and policy.
</p></li><li><p>Assist in providing on-the-job training and constructive feedback to assigned team to support their overall development.
</p></li><li><p>Promote organization&rsquo;s values and ethics in all activities within the team in order to support the establishment of a value drive culture within the bank.
</p></li><li><p>Provide guidance and on the job training for outsourced staff and conduct knowledge sharing to facilitate achievement of team objectives and completion of tasks in an efficient manner which is consistent with operating procedures and policy.
</p></li><li><p>Support the Funds application subscription and redemption processes across local and international platforms.
</p></li><li><p>Contribute to the management of client invoicing, booking, billing, and VAT collection activities.
</p></li><li><p>Handle and monitor standing orders with financial markets for corporate dividend distributions.
</p></li><li><p>Coordinate integration activities covering business requirements, UAT, data migration, and cutover planning.
</p></li><li><p>Oversee customer service functions related to Issuer Services and IPO operations, ensuring timely supervision of all inquiries.
</p></li><li><p>Collaborate with the Business team to ensure smooth day-to-day operations and effective communication with business owners.
</p></li><li><p>Supervise registrar services for corporate clients, including dematerialization and listing processes with financial markets.
</p></li><li><p>Manage the processing lifecycle for IPOs, allotments, rights issues, and refunds related to public offerings.
</p></li><li><p>Optimize and supervise the efficiency and quality of Issuer Services &amp; IPO operations.
</p></li><li><p>Oversee daily share registrar processes to ensure adherence to best practices, SLA compliance, timely escalation, and completion of corrective and preventive actions.
</p></li><li><p>Support recruitment, coordination, and training of IPO temporary staff.
</p></li><li><p>Perform maker/authorizer responsibilities on the Core Banking System (CBS) for transaction preparation and approval.
</p></li><li><p>Monitor daily operations of OTC and listed companies engaged in share registrar service agreements.
</p></li><li><p>Oversee ADX/DFM dividend payments, account transfers, cheque disbursements, and the printing and dispatch of AGM/EGM notices.
</p></li><li><p>Coordinate with ITD to develop or acquire secure and compliant systems that meet the bank&rsquo;s operational and security requirements, ensuring efficient STP.
</p></li><li><p>Oversee the team&rsquo;s handling of inquiries and correspondence from customers, courts, the Central Bank, and financial markets regarding shareholder holdings.
</p></li><li><p>Lead weekly and monthly meetings with staff to review ongoing processes, performance, and potential challenges.
</p></li><li><p>Monitor Issuer and IPO Services operations to ensure maximum operational efficiency and delivery of expected outcomes.
</p></li><li><p>Manage end-to-end share registrar services for new and existing companies, including dematerialization for ADX and DFM.
</p></li><li><p>Coordinate operational planning and resource management for public and private sector clients.
</p></li><li><p>Review and authorize team activities as required to ensure accuracy, compliance, and timely completion.
</p></li><li><p>Ensure all team tasks are completed accurately, on time, and in accordance with policy and procedure.
</p></li><li><p>Identify risks arising from transactions or recurring issues, escalate them appropriately, and implement mitigation measures.
</p></li><li><p>Maintain effective communication with internal and external stakeholders to protect and enhance the bank&rsquo;s reputation.
</p></li><li><p>Provide high-quality internal and external customer service, ensuring timely resolution of issues.
</p></li><li><p>Participate in planning the relevant departmental roles in the flotation process.
</p></li><li><p>Coordinate with IT, Policy &amp; Procedures, Admin, Audit, and Branches to implement operational plans, ensuring availability of required systems and resources.
</p></li><li><p>Work closely with external auditors to finalize and reconcile flotation results.
</p></li><li><p>Manage registrar-related requests and requirements for PJC companies.
</p></li><li><p>Participate in meetings with companies and auditors to define flotation prospectuses and application forms.
</p></li><li><p>Contribute to drafting proposals and improving procedures for new business opportunities within Issuer Services.
</p></li><li><p>Complete all tasks assigned by AVP/SVP promptly and with high accuracy.
</p></li><li><p>Minimum Qualification
</p></li><li><p>Bachelor&rsquo;s degree in business administration, Banking &amp; Finance, accounting or related discipline.
</p></li><li><p>Minimum Experience
</p></li></ul><p>5 years&rsquo; relevant experience in the banking sector with at least 3 years in similar positions of progressively increasing managerial responsibilities in the Issuer Operation function.</p></div></div>
<br><div><div>Responsibilities</div></div><div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

Specialist, Issuer & IPO Services

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