director of retail marketing

ATOMIC FOR INFORMATION TECHNOLOGY

<p><b>Hiring: Marketing Manager (Retail &amp; Digital)</b></p><p>We are looking for a <b>results-driven Marketing Manager</b> to lead and scale our marketing activities across multiple brands and industries. The role requires a balance between <b>strategic planning and hands-on execution</b> in both retail and digital environments.</p><p><b>Key Responsibilities:</b></p><ul><li>Develop and execute integrated marketing strategies (Retail &amp; Digital)</li><li>Manage campaigns, branding, and customer acquisition funnels</li><li>Oversee performance marketing, social media, and content strategy</li><li>Analyze data, track KPIs, and optimize ROI</li><li>Coordinate across multiple business units and ensure brand consistency</li></ul><p><b>Requirements:</b></p><ul><li>Proven track record of delivering <b>real, measurable marketing results</b></li><li>Strong academic background in Marketing, Business, or related field</li><li>Experience in both Retail and Digital Marketing</li><li>Strong analytical, leadership, and execution skills</li><li>Ability to manage multiple brands and priorities</li></ul><p><b>Scope of Work:</b></p><p>You will handle marketing for the following brands:</p><p><b>DUX | SORO | ATOMIC | FBF | SEDAL | KAVA | AUDEX</b></p><p>Pay: From E&pound;17,000.00 per month</p><p>Work Location: In person</p>

We’re Hiring: Marketing Manager (Retail & Digital) مطلوب: مدير تسويق (Retail & Digital)

Rawaj - Human Capital Management

<div><p><b>Leverage your abilities and join the dynamic team of a leading e-commerce company in Saudi Arabia, recognized for its strong market presence, innovation, and commitment to excellence. This is an exciting opportunity to be part of a high-performing and fast-growing organization within a dynamic professional environment.</b></p><p><b>
As the E-Commerce Director,</b> you will be responsible for leading the organization&rsquo;s e-commerce strategy, online sales growth, digital customer experience, and marketplace performance. You will play a pivotal role in driving revenue, optimizing digital channels, enhancing conversion, and ensuring operational excellence across the e-commerce ecosystem.</p><h2 class="jobSectionHeader"><b>
Key Accountabilities</b></h2><ul><li>
Develop and implement the organization&rsquo;s e-commerce strategy, ensuring alignment with business objectives, growth targets, and digital priorities.</li><li>
Lead and optimize all online sales channels, including website, mobile app, marketplaces, and omnichannel commerce platforms.</li><li>
Drive revenue growth through performance marketing, merchandising, pricing strategy, and conversion optimization initiatives.</li><li>
Oversee website performance, user experience, customer journey, and digital trading activities to maximize sales and retention.</li><li>
Manage e-commerce operations including order fulfillment coordination, inventory availability, returns processes, and customer service alignment.</li><li>
Monitor and analyze commercial KPIs, including traffic, conversion, average order value, customer acquisition cost, and lifetime value, providing actionable recommendations.</li><li>
Lead marketplace strategy and relationships with external platforms, partners, and digital vendors.</li><li>
Collaborate with technology, supply chain, marketing, and commercial teams to enhance platform capabilities and support scalable growth.</li><li>
Establish policies, standards, and processes that ensure operational efficiency, compliance, and continuous improvement.</li><li>
Build and lead a high-performing e-commerce team, fostering collaboration, innovation, and talent development.</li></ul><h2 class="jobSectionHeader"><b>
Knowledge, Skills, and Experience</b></h2><ul><li>
Bachelor&rsquo;s or master&rsquo;s degree in business, Marketing, E-Commerce, Digital Commerce, or related field.</li><li>
10+ years of experience in e-commerce, digital commerce, or online retail, including leadership experience.</li><li>
Proven track record in scaling online sales, managing digital channels, and driving profitable growth.</li><li>
Strong understanding of e-commerce platforms, marketplaces, omnichannel ecosystems, and digital customer experience.</li><li>
Experience with performance marketing, CRM, analytics tools, and e-commerce technologies.</li><li>
Strong commercial acumen with expertise in online merchandising, pricing, promotions, and conversion optimization.</li><li>
Strategic mindset with the ability to identify growth opportunities and drive digital innovation.</li><li>
Strong leadership and people management capabilities with experience building high-performing teams.</li><li>
Excellent analytical, communication, and stakeholder management skills.</li><li>
Ability to adapt in a fast-paced, high-growth environment and lead continuous improvement initiatives.</li></ul></div>

E-Commerce Director | Retail | Saudi Arabia

Razer

<div><p>Joining Razer will place you on a global mission to revolutionize the way the world games. Razer is <b>a place to do great work</b>, offering you the opportunity to make an impact globally while working across a global team located across 5 continents. Razer is also <b>a great place to work,</b> providing you the unique, gamer-centric #LifeAtRazer experience that will put you in an accelerated growth, both personally and professionally.</p><p></p><h2 class="jobSectionHeader"><b>
Job Responsibilities :</b></h2><p></p>
Razer is seeking an Associate Marketing Manager to support the execution of high-impact retail marketing initiatives across RazerStore locations. This role is responsible for driving foot traffic, brand engagement, and in-store conversion through integrated marketing campaigns, events, and localized community strategies.<br>
<br>
You will operate at the intersection of retail, digital, and community&mdash;bringing campaigns to life in-store while ensuring alignment with global brand and product priorities.<p><i>
Please attach a portfolio for review</i></p><p></p><p><b>
Key Responsibilities and Duties</b></p><p></p><p><b>
Retail Marketing &amp; Campaign Execution</b></p><ul><li><p>
Execute integrated retail marketing campaigns across physical stores and digital channels to drive traffic and sales</p></li><li><p>
Translate global product launches and brand initiatives into localized, in-store experiences</p></li><li><p>
Partner with Product Marketing and Business Units to align on key messaging, priorities, and timelines</p></li><li><p>
Ensure strong O2O (online-to-offline) execution, connecting digital awareness to in-store conversion</p></li><li><p>
In-Store Events &amp; Activations</p></li><li><p>
Plan and execute in-store events including product launches, esports activations, and community events</p></li><li><p>
Develop run-of-show documents, staffing plans, and customer experience flows</p></li><li><p>
Define success metrics for events (traffic, conversion, revenue) and track performance</p></li><li><p>
Ensure consistent execution across stores through structured SOPs and toolkits</p></li></ul><p></p><p><b>
Influencer &amp; Creator Marketing</b></p><ul><li><p>
Source and manage local influencers aligned with RazerStore audiences</p></li><li><p>
Coordinate end-to-end influencer activations including outreach, briefing, store visits, and content capture</p></li><li><p>
Partner with internal Social and Community teams to amplify influencer content across channels</p></li><li><p>
Track influencer performance and optimize for engagement, reach, and store traffic</p></li><li><p>
Community &amp; Partnerships</p></li><li><p>
Build and manage relationships with local colleges, gaming communities, and grassroots organizations</p></li><li><p>
Identify partnership opportunities that drive sustained store traffic and brand affinity</p></li><li><p>
Support recurring community programming (tournaments, meetups, training sessions)</p></li></ul><p></p><p><b>
Cross-Functional Collaboration</b></p><ul><li><p>
Work closely with Business Development, Product Marketing, and Esports teams to support retail initiatives</p></li><li><p>
Align with Global Social and CRM teams to ensure cohesive campaign messaging and amplification</p></li><li><p>
Coordinate with store operations teams to ensure readiness for all activations</p></li></ul><p></p><p><b>
Store Enablement &amp; Toolkits</b></p><ul><li><p>
Develop and distribute activation toolkits for store teams including briefs, signage guidelines, and execution checklists</p></li><li><p>
Provide clear communication and training to store teams ahead of campaigns and events</p></li><li><p>
Ensure brand consistency and high-quality execution across all locations</p></li><li><p>
Other duties as assigned</p></li></ul><p></p><h2 class="jobSectionHeader"><b>
Pre-Requisites :</b></h2><p><b>
Qualifications</b></p><ul><li><p>
3&ndash;5 years of experience in marketing, retail marketing, or experiential marketing</p></li><li><p>
Proven experience executing campaigns, events, or activations end-to-end</p></li><li><p>
Experience working with influencers or creator marketing programs preferred</p></li><li><p>
Strong project management skills with ability to manage multiple stakeholders and timelines</p></li><li><p>
Ability to translate strategy into execution with attention to detail</p></li><li><p>
Excellent communication and organizational skills</p></li></ul><p></p><p><b>
Preferred Qualifications</b></p><ul><li><p>
Experience in gaming, esports, or consumer tech</p></li><li><p>
Familiarity with retail environments and in-store marketing execution</p></li><li><p>
Experience working with cross-functional global teams</p></li></ul><p></p><p><b>
What Success Looks Like</b></p><ul><li><p>
Consistent growth in store traffic, engagement, and conversion</p></li><li><p>
High-quality, scalable execution of in-store events and activations</p></li><li><p>
Strong local influencer and community ecosystem driving awareness and visits</p></li><li><p>
Seamless alignment between digital campaigns and in-store experiences</p></li></ul><p></p><p><b>
Salary Ranges (per annum):</b></p>
$70,200.00 - $117,000.00<p>
Disclaimer: Exact compensation may vary based on skills, experience, and location.</p><p></p><p>
Razer is proud to be an Equal Opportunity Employer. We believe that diverse teams drive better ideas, better products, and a stronger culture. We are committed to providing an inclusive, respectful, and fair workplace for every employee across all the countries we operate in. We do not discriminate on the basis of race, ethnicity, colour, nationality, ancestry, religion, age, sex, sexual orientation, gender identity or expression, disability, marital status, or any other characteristic protected under local laws. Where needed, we provide reasonable accommodations - including for disability or religious practices - to ensure every team member can perform and contribute at their best.</p><p></p><p><b>
Are you game?</b></p></div>

Associate Retail Marketing Manager - RazerStore Marketing

<div><p>We are seeking a dedicated and meticulous <b>Financial Planning and Analysis (FP&amp;A) Director</b><b> </b>for a prominent and leading <b>retail</b> company in <b>Saudi Arabia</b>, renowned for its commitment to excellence and innovation.</p><h2 class="jobSectionHeader"><b>
Key Accountabilities</b></h2><ul><li>
Own and lead the enterprise-wide budgeting, forecasting, and long-range planning processes, ensuring full alignment with corporate strategy and growth objectives.</li><li>
Act as a strategic finance partner to executive leadership, providing forward-looking insights on business performance, risks, and opportunities.</li><li>
Oversee analysis of financial results, KPIs, sales trends, margins, and inventory performance to drive profitability and sustainable growth across retail operations.</li><li>
Lead the preparation and presentation of executive-level financial reports, dashboards, and recommendations to support decision-making at Board and C-suite level.</li><li>
Drive financial evaluation and governance of strategic initiatives, including new store openings, market expansion, and major capital investments through advanced financial modeling.</li><li>
Provide strategic oversight of operating expenses, identifying cost optimization opportunities while supporting business scalability.</li><li>
Lead, develop, and inspire a high-performing FP&amp;A organization, setting clear objectives, building talent pipelines, and promoting a culture of accountability and collaboration.</li><li>
Champion continuous improvement of FP&amp;A frameworks, processes, systems, and tools to enhance forecasting accuracy, efficiency, and business insight.</li><li>
Ensure strong financial controls, compliance with internal policies, and proactive risk management within the retail environment.</li></ul><h2 class="jobSectionHeader"><b>
Knowledge, Skills, and Experience</b></h2><p><b>
We are Looking for:</b></p><br>
<ul><li>
Bachelor&rsquo;s degree in Finance, Accounting, Economics, or a related field; Master&rsquo;s degree and/or professional certification (CFA, CPA, CIMA) strongly preferred.</li><li>
Minimum of <b>15 years of progressive FP&amp;A experience</b>, with significant exposure to large-scale retail or multi-site operations.</li><li>
Demonstrated experience partnering with senior executives and influencing strategic decisions at an enterprise level.</li><li>
Deep expertise in retail financial metrics, performance management, and value drivers.</li><li>
Advanced capability in financial modeling, forecasting, and planning systems (Excel, ERP, and performance management tools).</li><li>
Strong executive communication and storytelling skills, with the ability to translate complex financial analysis into clear strategic insights.</li><li>
Proven track record in building, leading, and scaling high-performing FP&amp;A teams.</li><li>
Strategic mindset combined with strong analytical rigor and problem-solving skills.</li><li>
Ability to operate effectively in a fast-paced, high-growth retail environment.</li></ul></div>

Financial Planning and Analysis (FP&A) Director - Retail | Saudi Arabia

bankfab

<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><p>We are seeking a dedicated and meticulous <b>Costing and Budgeting Section Head</b><b> </b>for a prominent and leading retail company in <b>Saudi Arabia</b>, renowned for its commitment to excellence and innovation.</p><h2 class="jobSectionHeader"><b>
Key Accountabilities</b></h2><ul><li>
Lead end-to-end costing for all stock-keeping units, including raw materials, packaging, logistics, warehousing, and import-related costs</li><li>
Analyze cost variances between actual and standard, providing root-cause analysis for margin changes</li><li>
Drive the annual budgeting process covering profit and loss, balance sheet, and cash flow across all sales channels</li><li>
Prepare monthly rolling forecasts incorporating seasonality, promotions, and new launch cycles</li><li>
Monitor category-wise gross margins and recommend pricing strategies</li><li>
Track promotional spending against budget and measure return on investment</li><li>
Analyze individual location profit and loss statements, including rent, staff, occupancy, and operating costs</li><li>
Oversee inventory valuation and provisioning for slow-moving or short-life items</li><li>
Partner with supply chain to optimize replenishment costs and reduce write-offs</li><li>
Lead periodic physical counts and reconcile costing discrepancies</li><li>
Present monthly budget versus actual reports to operations and senior management with variance explanations</li><li>
Support commercial teams in launch cost tracking including sampling and testers</li><li>
Lead and mentor a small team of cost analysts and budget coordinators</li><li>
Drive automation in budget consolidation and standard cost updates</li></ul><h2 class="jobSectionHeader"><b>
Knowledge, Skills, and Experience</b></h2><p><b>
We are Looking for:</b></p><ul><li><b><br>
8+ </b>years of experience in costing and budgeting or management accounting</li><li>
At least <b>2 to 3</b> years in a supervisory or section head role</li><li>
Bachelor&rsquo;s degree in accounting, finance, or business administration</li><li>
Professional Certifications including CMA, CIMA, CPA, FP&amp;A, or supply chain costing are a plus</li><li>
Experience across fast-moving consumer goods, food and beverage, cosmetics, or beauty retail sectors</li><li>
Proven experience with retail profit and loss components including location expenses and promotional accounting</li><li>
Experience with budgeting tools and business intelligence platforms</li><li>
Familiarity with enterprise resource planning systems in finance and controlling modules</li><li>
Resilience under month-end closing and budget season pressure</li></ul></div>

Costing and Budgeting Section Head - Retail | Saudi Arabia

<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

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