hr manager

project manager

sales coordinator

sales manager

contract manager

relationship manager

RTC-1 Employment Services

The Role
 Position Title: Assistant Relashionship Manager Employment Type: Full Time Salary: up to 11k AED inclusive depending on experience and qualifications Job Location: Abu Dhabi, UAE About the Client: One of the leading global institutions with strong regional presence across the UAE, Bahrain, and Sudan, known for driving innovation in Islamic and corporate banking. Job Description: • Assist RM in acquiring new-to-bank clients and managing existing portfolios to achieve liability, CASA, deposit, and cross-sell (FX, Trade) targets in line with business objectives. • Conduct client visits, prepare call reports, support account planning with product partners, resolve queries, and ensure high customer satisfaction. • Maintain updated KYC, OMNI, and PEP records; ensure proper file management; adhere to AML, internal audit, and Central Bank guidelines. • Prepare official memos, requests, coordinate with internal departments, uphold confidentiality and Code of Conduct, and support team projects or act as backup when required.
 
Requirements
 Qualifications: • Open to Male Arabic nationals, aged 45 and below • Bachelor’s degree in Business Administration, Economics, or related field; MBA/CA/CMA or Financial Certification preferred. • Strong understanding of liabilities, Trade, Treasury products, banking operations, Islamic banking standards, accounting principles, and market/business environment. • Good knowledge of AML/Compliance, CBUAE regulations, and identifying suspicious transactions.
 
About the company
 RTC-1 Employment Services is a licensed recruitment firm based in Dubai, UAE. Our team has been in the market since 2004 and we are supporting various industries with their staffing needs across the Middle East and Africa.

Assistant Relationship Manager

First Abu Dhabi Bank (FAB)

<div>
 
 General Accountability
 
 
 
 Sales and Financial:
 
 
 <ul>
 <li>
 Increase depth and breadth of Relationship with existing customers.
 </li>
 <li>
 Increased sales volumes/ market shares in target market.
 </li>
 <li>
 Utilization of limits for the new approved limits.
 </li>
 <li>
 Number and quality of Credit Applications processed.
 </li>
 <li>
 Response &amp; Turnaround Times of Customer requests &amp; processing business applications.
 </li>
 <li>
 Alignment of structure &amp; pricing of the proposed limits with customers&rsquo; needs.
 </li>
 <li>
 Establishment of an efficient customer-focused approach representing a strong competitive edge.
 </li>
 <li>
 Increase share of high end market and quality business within assigned segment.
 </li>
 <li>
 By using the existing borrowing clientele&rsquo;s suppliers &amp; buyers, creating new borrowing relationship to the bank
 </li>
 <li>
 To develop and manage the portfolio of the company for Corporate/ Commercial Financing.
 </li>
 <li>
 Provide customers with accurate and timely information on products and reveal the benefits affecting their businesses.
 </li>
 <li>
 Actively source business from prospects and follow up on sales leads within designated market segments.
 </li>
 <li>
 Plan visits to existing and new prospective clients in coordination with GTx and FX team.
 </li>
 <li>
 Identify and forward sales leads to other areas in the Bank for cross-selling.
 
 
 </li>
 </ul>
 
 Risk Management
 
 
 
 <ul>
 <li>
 Prepare Credit Application (CA), analyze financial statements, and make it ready for approvals.
 </li>
 <li>
 Ensure CAs for new clients and renewals for existing clients are correctly prepared in accordance with the bank policies and regulation framework.
 </li>
 <li>
 Recognize early warning signals of unsatisfactory account conduct and pursue the collection of past due loans.
 </li>
 <li>
 Assess the financial and business risks involved in lending to particular businesses, mainly by looking at the Company&rsquo;s competitive position within its industry, its strategic direction, management quality and its financial profile.
 </li>
 <li>
 Identify and analyze the areas of potential risk threatening the assets, earning capacity or success of Organizations in various business fields.
 </li>
 <li>
 Pro-actively manage the assigned portfolio risk by ensuring timely renewal of accounts within the applicable time standards, provided all required information is available.
 
 
 </li>
 </ul>
 
 Profitability &amp; Expense Control
 
 
 
 <ul>
 <li>
 Ensure effective utilization of limits to maximize profitability.
 </li>
 <li>
 Regularly monitor MIS reports for FX and Trade Working Capital revenues and utilizations.
 </li>
 <li>
 Continuously seek to increase revenue margins from customers.
 
 
 </li>
 </ul>
 
 Customer Service &amp; Service Level
 
 
 
 <ul>
 <li>
 Whenever needed, contact customer service groups and processing units to ensure satisfactory service standards are met.
 </li>
 <li>
 Operations and Process responsibilities.
 
 
 </li>
 </ul>
 
 Activities / Operations
 
 
 
 <ul>
 <li>
 Discuss credit packages with respective Credit Team and approving authorities if needed.
 </li>
 <li>
 Establish and maintain a close working relationship with Credit Division/ Credit Administration.
 </li>
 <li>
 Understand customer&rsquo;s financial needs &amp; initiate formulation of written proposals to fulfill these needs with bank&rsquo;s products within the general guidelines of Business Banking and regulating authorities
 </li>
 <li>
 Review credit analysis and add high standard qualitative comments.
 
 
 </li>
 </ul>
 
 Compliance
 
 
 
 <ul>
 <li>
 Compliance with bank related policies and procedures, and Business Banking standards in structuring &amp; pricing of limits.
 </li>
 <li>
 Adhere and comply with bank&rsquo;s internal applicable policies and procedures as well as governing regulations issued by concerned authorities.
 </li>
 <li>
 Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines
 </li>
 <li>
 Monitor money laundering activities and coordinate remedial actions with management.
 </li>
 <li>
 The day-to-day responsibilities of the proposed role will include, but not limited to:
 
 
 </li>
 </ul>
 Knowledge
 
 
 <ul>
 <li>
 Strong understanding of financial statement analysis, conducting due diligence for lending cases, ability to risk assessment.
 </li>
 <li>
 Strong knowledge of Trade Finance and Real Estate Finance products.
 </li>
 <li>
 Good understanding of market best practices and dynamics including demographic factors, competitor products and services.
 </li>
 <li>
 Strong understanding and working knowledge of SME banking and related regulations.
 </li>
 <li>
 Understands legal structures consistent with different type of businesses. Skills &amp; Behaviors.
 </li>
 <li>
 Proven ability to communicate and influence at different levels and to a variety of audiences.
 </li>
 <li>
 Proven achievement of meeting or exceeding sales targets. Having a sales hunting mindset.
 </li>
 <li>
 Able to evaluate, analysis, draw conclusions and develop insightful recommendations and solutions.
 </li>
 <li>
 Strong entrepreneurial / commercial / business acumen with an understanding of wider economic issues.
 </li>
 <li>
 Proven ability to build and maintain strong customer relationships.
 
 
 </li>
 </ul>
 
 Frameworks, Boundaries &amp; Decision-Making Authority
 
 
 
 <ul>
 <li>
 Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.
 </li>
 <li>
 Authorized to take decisions as per the approved authorization matrix.
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 Minimum Qualification
 
 
 University Degree - MBA / PGDM / CA / CFA or similar certification preferable.
 
 
 
 Minimum Experience
 
 
 
 <ul>
 <li>
 5-8 years&rsquo; relevant experience in the banking sector with at least 4 years in similar positions of progressively increasing managerial responsibilities in the Business Banking function.
 </li>
 <li>
 Trade Working Capital Experience is a must; Real Estate Financing Experience will be valuable as well.
 </li>
 </ul>
</div>

Relationship Manager - Trade Working Capital

<div>
 
 Sales And Financial
 
 
 
 <ul>
 <li>
 Increase depth and breadth of Relationship with existing customers.
 </li>
 <li>
 Increased sales volumes/ market shares in target market.
 </li>
 <li>
 Utilization of limits for the new approved limits.
 </li>
 <li>
 Number and quality of Credit Applications processed.
 </li>
 <li>
 Response &amp; Turnaround Times of Customer requests &amp; processing business applications.
 </li>
 <li>
 Alignment of structure &amp; pricing of the proposed limits with customers&rsquo; needs.
 </li>
 <li>
 Establishment of an efficient customer-focused approach representing a strong competitive edge.
 </li>
 <li>
 Increase share of high end market and quality business within assigned segment.
 </li>
 <li>
 By using the existing borrowing clientele&rsquo;s suppliers &amp; buyers, creating new borrowing relationship to the bank
 </li>
 <li>
 To develop and manage the portfolio of the company for Corporate/ Commercial Financing.
 </li>
 <li>
 Provide customers with accurate and timely information on products and reveal the benefits affecting their businesses.
 </li>
 <li>
 Actively source business from prospects and follow up on sales leads within designated market segments.
 </li>
 <li>
 Plan visits to existing and new prospective clients in coordination with GTx and FX team.
 </li>
 <li>
 Identify and forward sales leads to other areas in the Bank for cross-selling.
 
 
 </li>
 </ul>
 
 Risk Management
 
 
 
 <ul>
 <li>
 Prepare Credit Application (CA), analyse financial statements, and make it ready for approvals.
 </li>
 <li>
 Ensure CA&rsquo;s for new clients and renewals for existing clients are correctly prepared in accordance with the bank policies and regulation framework.
 </li>
 <li>
 Recognize early warning signals of unsatisfactory account conduct and pursue the collection of past due loans.
 </li>
 <li>
 Assess the financial and business risks involved in lending to particular businesses, mainly by looking at the Company&rsquo;s competitive position within its industry, its strategic direction, management quality and its financial profile.
 </li>
 <li>
 Identify and analyze the areas of potential risk threatening the assets, earning capacity or success of Organizations in various business fields.
 </li>
 <li>
 Pro-actively manage the assigned portfolio risk by ensuring timely renewal of accounts within the applicable time standards, provided all required information is available.
 
 
 </li>
 </ul>
 
 Profitability &amp; Expense Control
 
 
 
 <ul>
 <li>
 Ensure effective utilization of limits to maximize profitability.
 </li>
 <li>
 Regularly monitor MIS reports for FX and Trade Working Capital revenues and utilizations.
 </li>
 <li>
 Continuously seek to increase revenue margins from customers.
 
 
 </li>
 </ul>
 
 Customer Service &amp; Service Level
 
 
 
 <ul>
 <li>
 Whenever needed, contact customer service groups and processing units to ensure satisfactory service standards are met.
 </li>
 <li>
 Operations and Process responsibilities.
 
 
 </li>
 </ul>
 
 Activities / Operations
 
 
 
 <ul>
 <li>
 Discuss credit packages with respective Credit Team and approving authorities if needed.
 </li>
 <li>
 Establish and maintain a close working relationship with Credit Division/ Credit Administration.
 </li>
 <li>
 Understand customer&rsquo;s financial needs &amp; initiate formulation of written proposals to fulfill these needs with bank&rsquo;s products within the general guidelines of Business Banking and regulating authorities
 </li>
 <li>
 Review credit analysis and add high standard qualitative comments.
 
 
 </li>
 </ul>
 
 Compliance
 
 
 
 <ul>
 <li>
 Compliance with bank related policies and procedures, and Business Banking standards in structuring &amp; pricing of limits.
 </li>
 <li>
 Adhere and comply with bank&rsquo;s internal applicable policies and procedures as well as governing regulations issued by concerned authorities.
 </li>
 <li>
 Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines
 </li>
 <li>
 Monitor money laundering activities and coordinate remedial actions with management.
 </li>
 <li>
 The day-to-day responsibilities of the proposed role will include, but not limited to:
 
 
 </li>
 </ul>
 Knowledge
 
 
 <ul>
 <li>
 Strong understanding of financial statement analysis, conducting due diligence for lending cases, ability to risk assessment.
 </li>
 <li>
 Strong knowledge of Trade Finance and Real Estate Finance products.
 </li>
 <li>
 Good understanding of market best practices and dynamics including demographic factors, competitor products and services.
 </li>
 <li>
 Strong understanding and working knowledge of SME banking and related regulations.
 </li>
 <li>
 Understands legal structures consistent with different type of businesses. Skills &amp; Behaviours.
 </li>
 <li>
 Proven ability to communicate and influence at different levels and to a variety of audiences.
 </li>
 <li>
 Proven achievement of meeting or exceeding sales targets. Having a sales hunting mindset.
 </li>
 <li>
 Able to evaluate, analysis, draw conclusions and develop insightful recommendations and solutions.
 </li>
 <li>
 Strong entrepreneurial / commercial / business acumen with an understanding of wider economic issues.
 </li>
 <li>
 Proven ability to build and maintain strong customer relationships.
 
 
 </li>
 </ul>
 
 Frameworks, Boundaries &amp; Decision-Making Authority
 
 
 
 <ul>
 <li>
 Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.
 </li>
 <li>
 Authorized to take decisions as per the approved authorization matrix.
 
 
 </li>
 </ul>
 Minimum Qualification
 
 
 University Degree - MBA / PGDM / CA / CFA or similar certification preferable.
 
 
 
 Minimum Experience
 
 
 
 <ul>
 <li>
 5-8 years&rsquo; relevant experience in the banking sector with at least 4 years in similar positions of progressively increasing managerial responsibilities in the Business Banking function.
 </li>
 <li>
 Trade Working Capital Experience is a must; Real Estate Financing Experience will be valuable as well.
 </li>
 </ul>
</div>

Senior Relationship Manager - Trade Working Capital

Wio Bank

<div>
 
 About Wio
 
 
 
 Wio Bank is a leading one-of-a-kind financial platform that is revolutionizing the banking industry in the MENA region. Our platform is here to reboot personal and business banking in the digital age. Our personalised features and seamlessly integrated services are built around your needs, helping you spend, save, and plan for your future.
 
 
 Role Overview
 
 
 At Wio, we&rsquo;re reimagining banking for a digital-first world &mdash; built around simplicity, innovation, and customer obsession. We&rsquo;re looking for a dynamic Business Development Manager (Employee Banking) to join our Employee Banking team and play a key role in expanding Wio&rsquo;s payroll ecosystem. In this role, you&rsquo;ll be the bridge between Wio and our corporate partners &mdash; onboarding companies, building strong and lasting relationships with HR and Finance leaders, and ensuring every employer and employee experiences the effortless simplicity Wio is known for.
 
 
 What You'll Be Responsible For
 
 
 <ul>
 <li>
 Drive the execution of employee banking and payroll acquisition strategies in line with Wio&rsquo;s growth objectives.
 </li>
 <li>
 Engage with HR, Payroll, and Finance decision-makers to present and promote Wio&rsquo;s innovative salary account solutions.
 </li>
 <li>
 Manage end-to-end payroll onboarding, from company setup to employee activation, ensuring a seamless experience.
 </li>
 <li>
 Provide proactive account management and support to payroll clients &mdash; addressing needs, resolving queries, and ensuring client satisfaction.
 </li>
 <li>
 Maintain accurate, timely records of interactions, leads, and opportunities in line with Wio&rsquo;s CRM processes.
 
 
 </li>
 </ul>
 What Are We Looking For
 
 
 <ul>
 <li>
 Mandatory: UAE banking experience of 3&ndash;5+ years in Employee Banking, Corporate Payroll, or Multi-Product Sales.
 </li>
 <li>
 Proven track record in managing and growing corporate relationships, especially with HR and Payroll functions.
 </li>
 <li>
 Deep understanding of employee banking products &mdash; including salary accounts, credit cards, personal loans, and related retail offerings.
 </li>
 <li>
 Language: Fluent in Arabic and English (spoken and written).
 </li>
 <li>
 Excellent communication, presentation, and relationship-building skills.
 </li>
 <li>
 Ability to thrive in a fast-paced, digital-first environment, managing multiple clients with agility and precision.
 </li>
 <li>
 Preferred Location: Abu Dhabi, where most of our key corporate partners are based (open to candidates from Dubai).
 </li>
 </ul>
</div>

Business Development Manager (Employee Banking)

capital engineering consultancy

Job Title: Business Development Manager &ndash; Retail Projects Location: Abu Dhabi, UAE Industry: Engineering Consultancy Experience Required: Minimum 8+ years (preferably within UAE/GCC)Job SummaryWe are seeking an experienced and results-driven Business Development Manager to lead growth initiatives for Retail Projects within our Engineering Consultancy division. The ideal candidate will have a strong network in the UAE market, a proven track record in securing consultancy projects, and the ability to manage the full business development cycle from lead generation to project award.Key ResponsibilitiesBusiness Development &amp; Market Expansion<ul><li>Identify, develop, and secure new business opportunities within the retail sector.</li><li>Conduct market research and competitor analysis to identify emerging trends and potential clients.</li><li>Develop and implement strategic business development plans to achieve revenue targets.</li><li>Maintain a strong pipeline of qualified leads and opportunities.</li></ul>Client Relationship Management<ul><li>Establish, develop, and maintain long-term relationships with developers, retail operators, contractors, and key stakeholders.</li><li>Act as the primary point of contact for prospective and existing clients.</li><li>Attend client meetings, industry events, and networking forums to enhance company visibility.</li></ul>Proposals &amp; Tender Management<ul><li>Lead the preparation, coordination, and submission of technical and commercial proposals.</li><li>Review tender documents, scope of work, and client requirements.</li><li>Coordinate with technical, design, and commercial teams to ensure accurate and competitive submissions.</li><li>Participate in negotiations and contract finalization.</li></ul>Internal Coordination &amp; Project Handover<ul><li>Coordinate with internal engineering, design, and project management teams to ensure smooth project initiation and delivery.</li><li>Ensure proper handover of awarded projects to execution teams.</li><li>Monitor client satisfaction and support project teams in maintaining strong client relationships.</li></ul>Requirements<ul><li>Bachelor&rsquo;s Degree in Engineering, Architecture, Business Administration, or a related field.</li><li>Minimum 8+ years of business development experience in Engineering Consultancy.</li><li>Proven experience in securing retail/commercial development projects in the UAE.</li><li>Strong network with developers, retail clients, and industry stakeholders.</li><li>Sound understanding of consultancy services, proposal preparation, and tendering processes.</li><li>Excellent communication, presentation, and negotiation skills.</li><li>Ability to work independently and achieve business targets.</li><li>UAE driving license preferred.</li></ul>Key Competencies<ul><li>Strategic thinking and market analysis</li><li>Client acquisition and relationship management</li><li>Proposal and contract management</li><li>Commercial awareness and negotiation</li><li>Team coordination and stakeholder management</li></ul>What We Offer<ul><li>Competitive salary and performance-based incentives</li><li>Opportunity to work with a leading Engineering Consultancy</li><li>Career growth and professional development opportunities</li></ul>Application: Interested candidates may send their CV to: careers@capitalengg.comJob Type: Full-timeApplication Question(s):<ul><li>What is your Notice Period ? </li></ul>Experience:<ul><li>Business Development : 8 years (Required)</li><li>Engineering Consultancy : 5 years (Required)</li><li>Retail Projects : 3 years (Required)</li></ul>

Business Development Manager(Retail Projects )

Optimal Innovation

<div>
 
 Role Overview
 
 
 
 We are seeking a customer-focused professional to manage relationships with high-value fintech users across our payment platforms.
 
 
 This role is responsible for retention, proactive communication, issue resolution, and feedback collection. You will be a dedicated point of contact for important customers and help ensure they receive a fast, personalised service.
 
 
 This is a 24/7 customer-facing role operating on a rotational shift basis, including evenings, weekends and holidays as required.
 
 
 You must be comfortable interacting directly with clients, handling outbound retention calls, managing escalations, and maintaining strong ongoing relationships. This is a visible role where the customer should feel they have a dedicated person supporting them.
 
 
 
 Key Responsibilities
 
 
 
 Manage relationships with high-value and regular fintech customers
 
 
 Conduct welcome calls and proactive retention follow-ups
 
 
 Proactively contact customers to ensure smooth payment experience
 
 
 Handle escalations early before they become complaints
 
 
 Monitor user activity and reach out to inactive customers
 
 
 Provide personalised WhatsApp and chat support to assigned users
 
 
 Collect customer feedback and share insights with internal teams
 
 
 Coordinate with Payments, Reseller Operations, and Customer Service
 
 
 Help customers understand processes and escalation paths
 
 
 Ensure customers feel supported and valued at all times
 
 
 Support 24/7 operations through rotational shift coverage
 
 
 
 What We&rsquo;re Looking For
 
 
 
 Excellent communication and relationship-building skills
 
 
 Comfortable speaking to customers daily via calls and messages (Hindi / English preferred)
 
 
 Strong judgement and decision-making ability
 
 
 Understanding of fintech / payments / wallet / UPI systems
 
 
 Proven telesales or retention background
 
 
 Professional appearance and confidence in client-facing interactions
 
 
 Ability to remain calm, reassuring, and solution-focused
 
 
 Highly organised, reliable, and disciplined with follow-ups
 
 
 
 Requirements
 
 
 
 Proven experience in telesales, retention, customer success, account management, or similar
 
 
 Experience handling high-value customers and improving engagement/usage
 
 
 Comfortable making outbound calls daily and maintaining structured follow-ups
 
 
 Strong objection-handling and service recovery skills
 
 
 Willingness to work a rotational shift pattern as part of a 24/7 service
 
 
 
 Experience In Payments/fintech Support Environments Is Preferred
 
 
 
 
 Why This Role is Important
 
 
 
 This role helps protect revenue and customer loyalty by ensuring high-value customers receive a fast, personal service and do not escalate issues to leadership. It is a front-facing role with direct impact on retention and trust.
</div>

Job Title: VIP Relationship, Retention & Feedback Executive – Fintech (UAE)

<div>
 
 The objective of the Bank in respect of EPB is to become a pre-eminent private bank in the region and be a market leader across UAE in the priority banking arena. Clients in this segment include the High-Net-Worth Individuals &amp;/or all of their group entities representing diverse interests ranging from operating businesses to wide range of investment across various asset classes.
 
 
 
 
 
 The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for private banking credit portfolio. The role also entails compliance with all credit policies and guidelines. This is senior level role where the staff will engage in high value tickets where structuring of facility is key for complex bespoke facilities. In addition to provide credit underwriting support for assigned portfolio&rsquo;s for facilities in UAE and KSA, the role also assists in obtaining necessary approvals for assigned portfolio in international locations of private banking.
 
 
 
 
 
 The role is required to engage with the relationship manager in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
 
 
 
 
 
 
 Skills
 
 
 
 Loan facilities to the High Net Worth and Ultra High Net Worth clients are structured around the loan size, collateral type, tenor and the financial strength of the borrower. Credit facilities are offered under various lending structures such as Lombard facilities, Commercial/Residential Real Estate and Insurance Financing. Accordingly, the job holder is expected to demonstrate deep knowledge of products, industry, markets, financial statements so that he/she can work across all product groups and respond in a timely manner. Hence it is critical that the job holder, among other credit skills, is able to demonstrate the following EPB-specific skill set:
 
 
 
 
 <ul>
 <li>
 A thorough understanding of risks associated complex facility structures
 </li>
 <li>
 Good understanding of documentation/legal requirements for different types of credit facilities
 </li>
 <li>
 Strong initiative and interactive approach to problem solving while displaying flexibility and negotiation skills.
 </li>
 </ul>
 
 
 
 
 He/She is expected to be solution oriented and requires out of the box thinking without seeking to dilute the high standards of credit and be strong partner for business.
 
 
 
 
 
 
 Key Accountabilities
 
 
 <ul>
 <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>
 Conduct robust credit analysis by ensuring that appropriate Target Market Risk Acceptance Criteria and PBW GCP guidelines are followed as part of approval process.
 </li>
 <li>
 Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring. Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
 </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>
 Ensures timely availability of required information to approving authority for credit decision making.
 </li>
 <li>
 Ensure accuracy of data being presented to various stakeholders including senior management
 </li>
 <li>
 Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
 </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>
 
 
 
 
 
 Specific Accountability
 
 
 <ul>
 <li>
 Preparation of comprehensive credit proposals 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.
 </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>
 Oversight the mark-to-market revaluation process and take ownership of liaising 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 accuracy of data being presented to various stakeholders including senior management
 </li>
 <li>
 Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
 </li>
 </ul>
 
 
 
 
 
 Minimum Qualification
 
 
 <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>
 
 
 
 
 
 Minimum Experience &amp; Skill Set
 
 
 <ul>
 <li>
 Minimum 5 years relevant experience in the banking sector with at least 4-5 years in Credit function.
 </li>
 <li>
 Good understanding of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.
 </li>
 <li>
 Understanding 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>

VP, Credit Management

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