accountant

chief accountant

compliance officer

customer service representative Jobs in Dubai

customer service representative

junior accountant

credit officer

Deem Finance

<div>
 <p>
  <strong>
   Strategic Leadership and Digital Credit Transformation
  </strong>
 </p>
 <ul>
  <li>
   Define and lead the bank&rsquo;s digital credit risk strategy, focusing on scalable, automated, and data-driven underwriting systems.
  </li>
  <li>
   Design and refine digital underwriting frameworks and scoring models across products, embedding them into end-to-end digital journeys.
  </li>
  <li>
   Implement rule-based decision engines and AI-driven risk assessments to support real-time approvals and risk-based pricing.
  </li>
  <li>
   Collaborate with IT and product teams to build API-based ecosystems that integrate credit bureaus, identity verification services, bank statement readers, and alternate data sources.
  </li>
  <li>
   Establish credit risk architecture for mobile apps, digital onboarding, and straight-through processing platforms.
  </li>
 </ul>
 <p>
  <strong>
   Credit Policy, Governance, and Regulatory Compliance
  </strong>
 </p>
 <ul>
  <li>
   Develop and maintain robust credit policies, product-specific underwriting criteria, and risk frameworks aligned with Central Bank and internal governance standards.
  </li>
  <li>
   Monitor credit performance by segment (personal loans, credit cards, SME), ensuring adherence to limits, exposure, and thresholds.
  </li>
  <li>
   Serve as the main point of contact for regulatory bodies during credit audits and inspections.
  </li>
  <li>
   Ensure KYC, AML, and FATCA-related risks are controlled during the credit origination and review stages.
  </li>
 </ul>
 <p>
  <strong>
   Credit Operations and Underwriting Oversight
  </strong>
 </p>
 <ul>
  <li>
   Oversee the performance and structure of underwriting teams including Team Leader Underwriters and Underwriters.
  </li>
  <li>
   Drive productivity through digitized workflows, performance dashboards, and process automation.
  </li>
  <li>
   Approve complex and exception-based cases that fall outside automated decision criteria.
  </li>
  <li>
   Optimize operating models to manage both high-volume retail products and higher-risk SME accounts.
  </li>
 </ul>
 <p>
  <strong>
   Portfolio Management and Risk Monitoring
  </strong>
 </p>
 <ul>
  <li>
   Lead ongoing monitoring and review of portfolio performance using data analytics, portfolio segmentation, and scorecard tracking.
  </li>
  <li>
   Conduct risk reviews and trend analysis to identify early warning signals and take preventive action.
  </li>
  <li>
   Design and execute stress tests and simulations for adverse macroeconomic scenarios or sectoral shocks.
  </li>
  <li>
   Maintain dynamic risk appetite statements and exposure limits based on internal and external triggers.
  </li>
 </ul>
 <p>
  <strong>
   Innovation, Product Risk &amp; Credit Enablement
  </strong>
 </p>
 <ul>
  <li>
   Collaborate with the Product and Growth teams to ensure credit products are risk-aligned from the design stage.
  </li>
  <li>
   Support digital product launches by predefining acceptable credit parameters, pricing bands, and automated decision rules.
  </li>
  <li>
   Continuously evaluate market trends, competitor offerings, and alternative lending innovations to improve the bank&rsquo;s credit risk posture.
  </li>
  <li>
   Work closely with fintech partners, credit bureaus, and third-party vendors to build credit intelligence capabilities.
  </li>
 </ul>
 <p>
  <strong>
   Credit Review and Obligors Oversight
  </strong>
 </p>
 <ul>
  <li>
   Annual individual obligor reviews (Wholesale) and portfolio reviews (Retail).
  </li>
  <li>
   Trigger events for risk rating updates and policy amendments.
  </li>
  <li>
   Clear documentation for credit decisions and delegation matrix for approvals.
  </li>
 </ul>
 <p>
  <strong>
   Exception Management
  </strong>
 </p>
 <ul>
  <li>
   Requirement to justify exceptions or deviations in writing.
  </li>
  <li>
   Process for referring exceptions to CRO for review while maintaining CCO&rsquo;s decision-making autonomy.
  </li>
  <li>
   Collaboration with CRO when a proposal breaches risk appetite.
  </li>
 </ul>
 <p>
  <strong>
   Regulatory Oversight
  </strong>
 </p>
 <ul>
  <li>
   Clear expectation of compliance with UAE Central Bank regulations, Basel norms, and audit readiness.
  </li>
  <li>
   Role in regulatory inspections, audits, and supporting full transparency.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Team Development and Leadership
  </strong>
 </p>
 <ul>
  <li>
   Lead and mentor the credit underwriting leadership team to foster high performance, accountability, and knowledge growth.
  </li>
  <li>
   Identify training needs related to digital credit analytics, fraud detection, and behavioral underwriting.
  </li>
  <li>
   Build a talent pipeline that combines traditional underwriting expertise with data analytics and digital fluency.
  </li>
 </ul>
 <p>
  Encourage a culture of agility, continuous improvement, and cross-functional collaboration
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Role Specifications
  </strong>
 </p>
 <p>
  Education
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in Finance, Business Administration, Risk Management, Economics, or a related field (Mandatory)
  </li>
  <li>
   MBA or Master&rsquo;s in Risk Management or Financial Engineering preferred
  </li>
  <li>
   Professional certifications such as FRM, CFA, or equivalent are highly desirable
  </li>
  <li>
   In depth knowledge in Basel standards and internal credit review frameworks.
  </li>
 </ul>
 <p>
 </p>
</div>


Chief Credit Officer

Bagerz

<div><div><div><h5 class="jobSectionHeader"><b>Overview</b></h5><br>
</div><p></p><div><h4 class="jobSectionHeader"><b>Job Description</b><div><div><b><br>
</b></div></div></h4><p></p><ul><li>Verify and validate the distribution of credit in the system, ensuring accuracy in the amount and terms of the credit according to the contract.</li>
<li>Records and reconciles in the system the portion paid through the bank for loans distributed</li>
<li>Ensures that all required documents and verifications are completed before final validation of the loan disbursement process.</li>
<li>Confirms that the loan disbursement is in accordance with the institution's policies and procedures and regulatory requirements.</li>
<li>Records data in the credit management system.</li>
<li>Verify and update the system with accurate customer data.</li>
<li>Maintain accurate records of credit disbursements and report any discrepancies for review.</li>
<li>Communicates and notifies branches as needed on issues related to the validation of loan disbursement.</li>
<li>Checks documents for any discrepancies before releasing funds.</li>
</ul><h4 class="jobSectionHeader"><b>Job Requirements</b></h4>
<ul><li>University degree in Economics or a similar field,</li>
<li>Experience in lending operations, credit distribution processes or similar roles in the financial services sector.</li>
<li>Professional knowledge in the use of credit management systems and financial systems.</li>
<li>Attention to detail and good ability to work with numbers.</li>
<li>Excellent communication and interpersonal skills.</li>
<li>Strong problem-solving skills and ability to work under pressure.</li>
<li>Research, analytical and information evaluation skills,</li>
<li>Very good computer skills (Microsoft Office programs),</li>
</ul>
<p>About Company:</p>
<p>
Bagerz, a dynamic and forward-thinking organization, is committed to delivering excellence across all industries. We are currently on the lookout for passionate professionals who are eager to grow, innovate, and contribute to meaningful projects in a collaborative and fast-paced environment.</p>
</div>
<div><div><h5 class="jobSectionHeader"><b>Job Nature</b></h5>
</div><div>Full Time
</div></div><div></div><div><div><h5 class="jobSectionHeader"><b>Job Location</b></h5>
</div><div>Dubai
</div></div><div></div><div><div><h5 class="jobSectionHeader"><b>Job Level</b></h5>
</div><div>Sr. Position
</div></div></div><div></div><div><h3 class="jobSectionHeader"><b>How to Apply</b></h3>
<div></div>Apply Online</div></div><div></div>

Credit Department Officer

Team Authentic Commercial Brokers LLC

<p>we are hiring .............</p><p>Senor Relationship officer</p><p>credit card and personal loan (Emirates Islamic Bank))</p><p>Candidate should have minimum 6 months experience in banking product sales</p><p>Salary: Up to 4500</p><p>Benefits: Salary+ Visa+ medical Insurance</p><p>Job Types: Full-time, Permanent</p><p>Pay: AED3,000.00 - AED4,500.00 per month</p>

Senior Relationship Officer

Communik Marketing Management Est - Acico Business Park

<p><b>Job Title:</b> Relationship Officer - Credit Card Sales<br/><b>Location:</b> Dubai, United Arab Emirates<br/><b>Industry:</b> Banking &amp; Financial Services<br/><b>Employment Type:</b> Full-Time</p><p><b>Job Summary:</b></p><p>We are looking for dynamic and self-driven <b>Relationship Officer</b> to join our team in Dubai. The ideal candidate will be responsible for promoting and selling credit card products to individual customers, achieving sales targets, and maintaining excellent customer service standards.</p><p><b>About Communik Marketing:</b></p><p>Communik Marketing Management Est is a fast-growing digital marketing agency that specializes in helping businesses thrive online through cutting-edge services like SEO, Social Media Marketing, Website Design &amp; Development, and more. Our goal is to empower brands by delivering innovative digital solutions that drive growth. We are looking for a Sales Executive who can contribute to our success by generating new business and promoting our services.</p><p><b>Key Responsibilities:</b></p><ul><li>Actively promote and sell credit card products to prospective customers through direct sales.</li><li>Identify customer needs and recommend suitable credit card solutions.</li><li>Meet or exceed assigned monthly and quarterly sales targets.</li><li>Ensure compliance with bank policies, procedures, and regulatory guidelines.</li><li>Provide after-sales service and support to ensure customer satisfaction and retention.</li><li>Coordinate with internal departments for timely processing of applications and customer queries.</li></ul><p><b>Requirements:</b></p><ul><li>Minimum 0&ndash;2 years of experience in <b>credit card or financial product sales</b> (Banking, Tele sales &amp; Any sales experience preferred).</li><li>Strong communication and interpersonal skills.</li><li>Self-motivated, target-oriented, and able to work independently.</li><li>Good understanding of banking products, especially credit cards.</li><li>Fluency in English</li><li>Ability to handle rejection professionally and maintain a positive attitude.</li></ul><p><b>Education:</b></p><ul><li>Minimum: High School Diploma or equivalent</li><li>Preferred: Bachelor&rsquo;s degree in Business, Finance, or a related field</li></ul><p><b>Benefits:</b></p><ul><li>Attractive Salary &amp; Bonus structure and performance incentives</li><li>Career growth opportunities within the company</li><li>Training and support provided</li><li>Employment visa and standard UAE benefits (medical insurance, annual leave, etc.)</li><li><b>Candidates with own visa (Spouse/Residence) are preferred.</b></li><li>Must be available to <b>join immediately</b>.</li></ul><p><b>Working Hours:</b></p><p>Monday to Saturday | 10:00 AM &ndash; 7:00 PM (may vary based on campaign/location needs)</p><p><b>Salary : </b>AED 2500 to AED 5000 (Tatget based)</p><p>How to Apply:</p><p>If you're passionate about Banking sales, and are eager to work in a dynamic and fast-paced environment, we want to hear from you! Send your resume and cover letter to cv.cmm.acico@communikmarketing.com</p><p>Job Type: Full-time</p><p>Pay: AED2,500.00 - AED5,000.00 per month</p>

Relationship officer - Credit card sales Executive

<p>Position: Verification Officer &ndash; Credit Card Sales</p><p>Job Role &amp; Responsibilities:</p><p>Conduct verification calls to customers who have applied for credit cards.</p><p>Confirm customer details such as identity, employment, income, and other necessary information as per bank/client policies.</p><p>Ensure all verification calls are handled in a professional and compliant manner.</p><p>Validate customer-provided documents against internal checklists and guidelines.</p><p>Record call outcomes and update the verification system accurately.</p><p>Identify and report any suspicious, fraudulent, or incomplete applications.</p><p>Coordinate with sales and operations teams to resolve discrepancies.</p><p>Meet quality and accuracy standards set by the client/bank audits.</p><p>Adhere to company policies, compliance requirements, and regulatory guidelines.</p><p>Achieve assigned verification targets within the given timeline.</p><p>Requirements:</p><p>Strong communication skills in English (and additional languages if required).</p><p>Preferably Hindi or Urdu Speaking Candidates.</p><p>Attention to detail with good listening and analytical skills.</p><p>Ability to work under pressure and meet daily verification targets.</p><p>Prior experience in verification, tele calling, or credit card sales will be an advantage.</p><p><b>Salary 2000 to 2500</b></p><p><b>Preferably Own Visa candidates</b>.</p><p>Job Type: Full-time</p><p>Pay: AED2,000.00 - AED2,500.00 per month</p>

Verification Officer - Credit Card Sales

First Abu Dhabi Bank

<div><b>Company Description</b><p><br>
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 and dynamic industry.</p><b><br>
Job Description</b><p><b><br>
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 within the Wealth 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><br>
<b>
Qualifications</b><p><b><br>
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 &amp; Skill Set</b></p><ul><li>
Minimum 10 years relevant experience in the banking sector with at least 4-5 years in Credit function.</li><li>
Expert knowledge of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.</li><li>
Expert knowledge of various Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.</li><li>
Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.</li><li>
Strong 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>

AVP & Lead- Credit Management

مصرف ابوظبي الاسلامي

<div><p><b>Role : Associate Relationship Manager - Corporate Banking
</b><br>
<b>Location : </b>Dubai
<br>
<br>
<b>Role Purpose:
</b></p><ul><li>Support the Division Head and RMs in the overall maintenance of the assigned relationships within a Division &ndash; including but not limited to preparation of credit approval packages, AC memos, Credit Round Table &lsquo;CRT&rsquo; discussion materials, credit file maintenance, supporting the lead RM on business growth and operational matters
</li><li>Conduct thorough financial analysis and assess credit requests, including new requests, changed requests, refinancing and annual due diligence reviews
</li><li>Obtaining and updating the banking standards such as compliance clearance, documentation checklist, call reports etc.
</li></ul><p><b>Key Accountabilities of the role
</b></p><div><p><b>Business Proposition and Credit analysis:
</b></p><ul><li>Support Division Heads and RMs in the review and preparation of credit approval packages, AC memos, Credit Round Table &lsquo;CRT&rsquo; discussion materials etc. and ensure the same are completed as per the bank&rsquo;s requirements
</li><li>Attend client calls/meetings in conjunction with the RM/Division Head in relation to the client&rsquo;s banking requirements
</li><li>Work closely with the product partners &ndash; CFIB, GTB and Treasury on maximizing potential cross sell opportunities within a relationship
</li><li>Develop and prepare spreadsheets and perform financial analysis incl. basic financial modeling [if applicable] and qualitative analysis to support analysis of potential and existing credit applications
</li><li>Verify the accuracy and quality of information (both qualitative and quantitative) provided by the client
</li><li>Carry out initial market checking and monitor credit worthiness of obligors/counterparties including search for negative press articles, rating agencies.
</li><li>Liaise with Risk in relation to the credit approval packages such as responding to queries and comments from Risk Management etc.
</li><li>Prepare necessary security and other documents in liaison with Legal &amp; Sharia departments
</li><li>Liaise with CAD as and when required during preparation of CA packages and ensure all deferred documentations are tracked and obtained on time as well as updating all the banking standards such as compliance clearance, documentation checklist, call reports etc. in a timely manner
</li></ul><p><b>Relationship Management
</b></p><ul><li>Achieve financial targets assigned in line with portfolio handled (e.g. total revenues, revenue from treasury products, revenue from cash management, RORC, etc.)
</li><li>Ensure regular interaction with clients to address any banking/financial needs and effectively increase ADIB&rsquo;s share of wallet
</li><li>Work closely with customer service unit to ensure that clients&rsquo; day to day transaction needs are addressed to the customers&rsquo; satisfaction
</li></ul><p><b>Process Implementation
</b></p><ul><li>Track review dates, and ensure all facilities are renewed/deferred on a timely basis
</li><li>Ensure consistency, accuracy, quality, and integrity of all proposals/memos
</li><li>Conduct client calls at least quarterly and ensure all call memos are appropriately documented capturing the contents of the meeting, business opportunities, credit financial plan etc and ensure theses memos are routed via the requisite systems
</li><li>Maintain and reconcile the credit files and identify discrepancies and variances
</li><li>Ensure complete adherence to all KPIs (Turnaround time (TAT), Credit package quality, Review dates, etc.)
</li><li>Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis
</li></ul><p><b>Compliance
</b></p><ul><li>Ensure that activities are in full compliance of group policies and processes including Sharia requirements, Central Bank regulations and other internal Legal and Compliance regulations at all times
</li><li>Ensure satisfactory internal and external audit ratings
</li></ul></div><p><b>Specialist Skills / Technical Knowledge Required for this role:
</b></p><div><ul><li>Strong analytical skills, including ability to perform data analysis, financial &amp; credit analysis, presentation skills, etc.
</li><li>Knowledge of Credit Policy &amp; Procedures
</li><li>Attended relevant credit training
</li><li>Customer skills and ability to prioritize and manage multiple tasks
</li><li>Customer orientation, communication, quality orientation, teamwork, adaptability, technical knowledge, influencing &amp; negotiation skills, information gathering and problem solving</li></ul></div></div>

Associate Relationship Manager

Explore 443+ Credit officer in Dubai this September. Find roles across top companies and apply now to boost your career.