retail banking officer

First Abu Dhabi Bank

<br> <br>Position Overview<br>First Abu Dhabi Bank (FAB) is hiring for the role of Relationship Officer in Dubai, UAE, focusing on managing a portfolio of retail banking clients and driving revenue growth through tailored banking solutions. This is an excellent opportunity for candidates seeking banking jobs in Dubai, particularly in customer-facing and portfolio management roles within the financial services industry. The position is ideal for those looking to establish a long-term career in one of the safest and largest banks in the world, with high-earning potential and exposure to retail banking strategy in the UAE.<br> <br>Job Details<br>Location: United Arab Emirates<br>Location: Dubai<br>Industry: Banking / Mortgage Professionals<br>Function: Sales<br>Gender: Any<br>Candidate Nationality: Any<br>Candidate Preferred Location: Any<br>Job Type: Full-time<br> <br>What You ll Do<br> <br>* Manage a customer portfolio of 700 800 primarily non-borrowing clients<br>* Achieve monthly and annual KPIs related to portfolio value, revenue, cross-sell, and product activation<br>* Promote and cross-sell bank products including current accounts, loans, trade finance, FX services, and insurance<br>* Refer and upgrade clients to Sales and Coverage RMs within the segment<br>* Drive market penetration through referrals and new-to-bank client acquisition<br>* Maintain updated records including KYC and due diligence<br>* Handle account conduct, current account excesses, and ensure clean onboarding<br>* Monitor daily performance metrics and maintain accurate sales reports<br>* Maintain high levels of service and transparency with all customer interactions<br>* Ensure compliance with internal policies and audit requirements<br> <br>Ideal Profile<br> <br>* Diploma or bachelor's degree in Business, Finance, Banking, or related field<br>* 1 2 years of experience in banking, preferably in client-facing, sales, or customer service roles<br>* Familiarity with retail or commercial banking functions is an advantage<br>* Strong interpersonal, communication, and client engagement skills<br>* Fluent in English; Arabic proficiency is highly preferred<br>* Understanding of bank products, compliance protocols, and sales governance<br>* Proactive and goal-oriented mindset with strong market awareness<br><br>

Relationship Officer

IDFC FIRST Bank

<div>
 <strong>
  Job Requirements
  <br/>
  <br/>
 </strong>
 <strong>
  Job Description
  <br/>
  <br/>
 </strong>
 <strong>
  Job Title &ndash;
 </strong>
 Associate Relationship Officer
 <br/>
 <br/>
 <strong>
  Place of work
 </strong>
 -Karnataka/Chhattisgarh/Odisha/Rajasthan/Gujarat/Madhya Pradesh/Andhra Pradesh
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 <br/>
 <strong>
  Business Unit
 </strong>
 &ndash; Retail Banking-Rural Banking
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 <strong>
  Function
 </strong>
 - Rural Sales
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 <strong>
  Job Purpose
  <br/>
  <br/>
 </strong>
 The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in identifying Business owners / entrepreneurs in the defined catchment and assessing their business loan needs. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
 <br/>
 <br/>
 <strong>
  Responsibilities
  <br/>
  <br/>
 </strong>
 <strong>
  Roles &amp; Responsibilities:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Manage zoning activity to map household needs in villages and areas allocated
  </li>
  <li>
   Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets
  </li>
  <li>
   Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements
  </li>
  <li>
   Contribute to penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer
  </li>
  <li>
   Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship
  </li>
  <li>
   Nudge behavioral changes in customers to drive them towards online banking
  </li>
  <li>
   Maintain high collections efficiency through discipline and drive
  </li>
  <li>
   Monitor preparation of accurate documentation of loans and saving account.
  </li>
  <li>
   Coordinate with operations officer to ensure timely and accurate data entry
  </li>
  <li>
   Ensure compliance as per the bank requirements
  </li>
  <li>
   Conduct field audits and customer verifications to ensure high quality of accounts
   <br/>
   <br/>
  </li>
 </ul>
 '-Maintain knowledge on all bank products, credit standards, services and trends and provide efficient customer services.
 <br/>
 <br/>
 <ul>
  <li>
   Recommend process changes in order to improve service efficiency and quality across the branch network
  </li>
  <li>
   Provide support for implementation of livelihood advancement and community development initiatives.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Educational Qualifications
  <br/>
  <br/>
 </strong>
 Graduation-Any
 <br/>
 <br/>
 Post Graduation-Optional
 <br/>
 <br/>
 <strong>
  Experience
  <br/>
  <br/>
 </strong>
 0-1 years of relevant branch banking experience, fresher&rsquo;s can apply.
</div>


Associate Relationship Officer

<div>
 <strong>
  Job Requirements
  <br/>
  <br/>
 </strong>
 <strong>
  Job Requirements
  <br/>
  <br/>
 </strong>
 <strong>
  Job Title
 </strong>
 &ndash; Associate Relationship Manager-LAP
 <br/>
 <br/>
 <strong>
  Place of work
 </strong>
 - Rajasthan/Gujarat/Karnataka/Madhya Pradesh/Chhattisgarh/Odisha/Andhra Pradesh
 <br/>
 <br/>
 <strong>
  Business Unit
 </strong>
 - Rural Banking
 <br/>
 <br/>
 <strong>
  Function
 </strong>
 - Retail Assets
 <br/>
 <br/>
 <strong>
  Job Purpose
  <br/>
  <br/>
 </strong>
 The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to identify mortgage needs of customers and provide appropriate lending solutions ( Loan Against Property) . The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
 <br/>
 <br/>
 <strong>
  Roles &amp; Responsibilities
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
  </li>
  <li>
   Contribute to penetration of mortgage business in Rural markets through lead generations and account opening as per needs of customer
  </li>
  <li>
   Spearhead mapping of detailed household needs based on direct customer interactions
  </li>
  <li>
   Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets
  </li>
  <li>
   Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship and maintain high collections efficiency
  </li>
  <li>
   Lead preparation of quality documentation of loans to ensure minimum queries / rejections from Operations / Credit teams
  </li>
  <li>
   Coordinate with operations officer to ensure timely and accurate data entry
  </li>
  <li>
   Ensure compliance as per the bank requirements
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Secondary Responsibilities
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Recommend process changes in order to improve service efficiency and quality across the branch network
  </li>
  <li>
   Provide support for implementation of livelihood advancement and community development initiatives.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Key Success Metrics
  <br/>
  <br/>
 </strong>
 Customer Acquisition targets, Cross sell targets
 <br/>
 <br/>
 <strong>
  Educational Qualifications
  <br/>
  <br/>
 </strong>
 Graduate-Any graduation
 <br/>
 <br/>
 <strong>
  Experience
  <br/>
  <br/>
 </strong>
 0-2 Years in NBFCs/Banking.
</div>


Associate Relationship Manager-LAP

<div>
 <strong>
  Job Requirements
  <br/>
  <br/>
 </strong>
 <strong>
  Job Requirements
  <br/>
  <br/>
 </strong>
 <strong>
  Job Title
 </strong>
 &ndash; Associate Relationship Manager-LAP
 <br/>
 <br/>
 <strong>
  Place of work
 </strong>
 - Rajasthan/Gujarat/Karnataka/Madhya Pradesh/Chhattisgarh/Odisha/Andhra Pradesh
 <br/>
 <br/>
 <strong>
  Business Unit
 </strong>
 - Rural Banking
 <br/>
 <br/>
 <strong>
  Function
 </strong>
 - Retail Assets
 <br/>
 <br/>
 <strong>
  Job Purpose
  <br/>
  <br/>
 </strong>
 The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to identify mortgage needs of customers and provide appropriate lending solutions ( Loan Against Property) . The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
 <br/>
 <br/>
 <strong>
  Roles &amp; Responsibilities
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
  </li>
  <li>
   Contribute to penetration of mortgage business in Rural markets through lead generations and account opening as per needs of customer
  </li>
  <li>
   Spearhead mapping of detailed household needs based on direct customer interactions
  </li>
  <li>
   Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets
  </li>
  <li>
   Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship and maintain high collections efficiency
  </li>
  <li>
   Lead preparation of quality documentation of loans to ensure minimum queries / rejections from Operations / Credit teams
  </li>
  <li>
   Coordinate with operations officer to ensure timely and accurate data entry
  </li>
  <li>
   Ensure compliance as per the bank requirements
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Secondary Responsibilities
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Recommend process changes in order to improve service efficiency and quality across the branch network
  </li>
  <li>
   Provide support for implementation of livelihood advancement and community development initiatives.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Key Success Metrics
  <br/>
  <br/>
 </strong>
 Customer Acquisition targets, Cross sell targets
 <br/>
 <br/>
 <strong>
  Educational Qualifications
  <br/>
  <br/>
 </strong>
 Graduate-Any-Full Time
 <br/>
 <br/>
 12th- Any
 <br/>
 <br/>
 <strong>
  Experience
  <br/>
  <br/>
 </strong>
 0-2 Years in NBFCs/Banking.
</div>


United Arab Bank

<div>
 <p>
  <strong>
   Job Purpose
  </strong>
  :
 </p>
 <p>
  <br/>
 </p>
 <p>
  The Sales and Service Officer plays a key role in driving UAB&rsquo;s Retail Banking growth by acquiring new customers, cross-selling products, meeting targets for Credit Cards, Loans, Top-ups, Islamic Finances and onboarding new customers. The role ensures excellent customer service and contributes to a positive customer experience by addressing inquiries and resolving issues promptly, while promoting the bank&rsquo;s products and services as appropriate, and maintaining compliance with CPR regulations ensuring the overall success of branch banking services.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Principal Accountabilities
  </strong>
  :
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Customer Service
  </strong>
  :
 </p>
 <p>
  Deliver high-quality, courteous, and efficient service to customers, ensuring a positive banking experience. Act as the first point of contact, providing a professional and welcoming environment. Address customer inquiries, resolve issues promptly and escalate complex concerns to appropriate channels as needed, while promoting the bank&rsquo;s products and services. Treat customers fairly and ensure to adherence to CPR regulation and specially handling people of determination and customer complaints.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Account Maintenance
  </strong>
  :
 </p>
 <p>
  Provide full account services including assisting with account opening, closure, KYC updates, loan/financing settlements, credit card cancellations and handling ATM related inquiries and requests to ensure all documentation is accurate and complete while delivering exceptional service across all banking products and services.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Product Knowledge
  </strong>
  :
 </p>
 <p>
  Maintain comprehensive up to date knowledge of the bank&rsquo;s full range of products and services, including loans/financings, credit cards, deposits, insurance, digital banking and Islamic banking solutions. Understand product features, benefits, terms, and eligibility criteria to effectively address customer inquiries and provide personalized recommendations. Stay informed about new product launches, policy updates and market trends to proactively meet customer needs and contribute to achieving branch targets. Collaborate with colleagues to share insights and ensure consistent messaging about the bank&rsquo;s offerings.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Customer Retention
  </strong>
  :
 </p>
 <p>
  Build and maintain strong relationships with customers by delivering exceptional service and addressing their needs effectively and act as a trusted advisor offering guidance on financial decisions and ensuring customers feel valued and supported, contributing to higher retention rates. Proactively follow up on customer feedback, resolve issues promptly to enhance their overall experience and loyalty. Educate customers about value added services and alternative channels, such as mobile banking and self-service options to improve customer satisfaction.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Complaint Resolution
  </strong>
  :
 </p>
 <p>
  Handle customer complaints professionally and efficiently by actively listening, understanding their concerns and providing timely solutions. Ensure all complaints are resolved in line with bank policies and escalate complex issues to the appropriate department when necessary. Maintain clear communication with customers throughout the resolution process to ensure their satisfaction and reinforce trust.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Compliance and Risk Management
  </strong>
  :
 </p>
 <p>
  Ensure strict compliance with bank policies, procedures, and regulatory requirements, including all Central Bank regulations, to protect customer information and assets. Identify and report suspicious transactions or potential fraud in line with the bank&rsquo;s anti-money laundering (AML), know your customer (KYC), and risk management procedures. Adhere to all guidelines to ensure timely account or asset closures and meet the required turnaround time (TAT). Ensure compliance to CBUAE regulations at all times as applicable.
 </p>
 <p>
  Compliance and Adherence to Consumer Protection Regulation and Standards:
 </p>
 <ul>
  <li>
   Ensure that CPR guidelines are being followed 100% at all times. Any breach identified is reported to Head of Consumer Protection immediately.
  </li>
  <li>
   Ensure all trainings related to CPR are completed. This also includes Islamic banking and Sharia training.
  </li>
  <li>
   Ensure adherence to the guideline for people of determination and vulnerable people.
  </li>
  <li>
   Ensure customer complaints are logged and resolved on timely basis.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Record Keeping and Documentation
  </strong>
  :
 </p>
 <p>
  Maintain accurate records of transactions and ensure proper documentation of all activities. Follow internal procedures for filing and reporting as per the bank&rsquo;s standards for audits and compliance.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Cross-Selling and Recommendation
  </strong>
  :
 </p>
 <p>
  Identify customer needs and recommend the bank&rsquo;s products and services that may enhance the customer&rsquo;s banking experience. Refer customers to branch manager or specialized departments when appropriate.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Team Collaboration
  </strong>
  :
 </p>
 <p>
  Work collaboratively with branch staff to support overall branch operations and customer satisfaction. Communicate effectively with team members, sharing insights and information to improve processes and address any customer issues collectively. Foster a positive work environment by supporting colleagues and contributing to a team-focused culture.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Continuous Improvement
  </strong>
  :
 </p>
 <p>
  Actively participate in training and development programs to enhance knowledge of bank products, policies, and customer service standards. Provide feedback to improve processes and customer service delivery with an emphasis on compliance, risk management, and customer protection.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Technology Proficiency:
  </strong>
 </p>
 <p>
  Efficiently use the bank&rsquo;s digital platform efficiently to process transactions and manage customer queries, ensuring high productivity and service efficiency. Actively promote alternative channels such as the digital lobby, mobile banking and internet banking to enhance the customer experience and encourage customers to adopt convenient banking solutions.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Job Requirement (Qualification/Experience)
  </strong>
  :
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   A Bachelor&rsquo;s Degree in Business Administration, Finance, Accounting or related field.
  </li>
  <li>
   Additional certifications in banking or customer service.
  </li>
  <li>
   Minimum 2- 3 years of experience in a retail banking or branch banking environment.
  </li>
  <li>
   Proven track record in customer service and sales roles.
  </li>
  <li>
   Strong interpersonal and communication skills.
  </li>
 </ul>
 <p>
 </p>
</div>


Sales & Service Officer, Branch Banking - Abu Dhabi, Retail Banking

Standard Chartered Bank

<div><div><div><div><div><div><div><div><p>Job ID: 37715
 </p><p>Location: Rawalpindi, PK
 </p><p>Area of interest: Retail Banking
 </p><p>Job type: Regular Employee
 </p><p>Work style: Office Working
 </p><p>Opening date: 24 Oct 2025
</p></div>
</div></div></div></div></div></div><p></p><div><div><div><div><div><div><div><div><b>Job Summary</b></div>
</div><div><div>
<div><div><div><div><div>This role is responsible for managing and growing a client portfolio, acquiring new clients, and deepening relationships thorough frontline sales. it involves identifying new opportunities, handling client negotiations and selling products like credit cards, personal loans and mortgages.</div></div><br>
</div>
</div></div></div></div></div><div></div><div><div><div><b>Key Responsibilities</b></div>
</div><div><ul><li>Focus on Asset Products i.e. Credit Cards, Mortgages, Personal Loans, &amp; Easy Credit, SIMBA &amp; Account upgrade From Personal to Premium, Premium to Priority Upgrade</li><li>Focusing on Employee Banking companies for cross selling Asset products</li><li>Optimizing business opportunities</li><li>Complete understanding of Scorecard for both Financial and Non-Financial Aspects</li><li>Awareness of all policies, procedures and regulations issued in relation to segment, money laundering prevention and treating customers fairly policy</li><li>Strong understanding on FATCA and policies related to sanction countries</li><li>Regular Client visits to acquire new clients</li><li>Lending products clearly to customers discussing their requirements and dealing with inquiries face to face and over the phone</li></ul></div></div><div><div><div><b>
Skills and Experience</b></div>
</div><div><ul><li>Strong interpersonal skills</li>
<li>Stakeholder management</li>
<li>Decision making ability</li>
<li>Communication skills</li>
<li>Problem Solving skills</li>
<li>Strong Negotiation skills</li>
</ul></div></div><div><div><div><b>About Standard Chartered</b></div>
</div><div><div>
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</div>
<div>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</div>
<div>Together we:</div>
<ul><li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul></div></div><div><div><div><b>What we offer</b></div>
</div><div><div><b>
In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</div>
<ul><li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li>
</ul></div></div></div>
</div></div></div></div><div><div><p>www.sc.com/careers</p></div></div></div><div></div>

Premium Relationship Manager

Dicetek LLC

<p>The Head of Retail Credit is a strategic leadership role responsible for overseeing and managing the bank's retail credit portfolio in the UAE. This position plays a crucial role in developing and implementing retail credit policies, managing credit risk, and ensuring the quality and profitability of the bank's retail loan portfolio. Reporting to the Chief Credit Officer, the Head of Retail Credit will be instrumental in aligning retail credit strategies with the bank's overall risk appetite and business objectives while navigating the dynamic landscape of the UAE's retail banking sector and adhering to regulatory requirements.</p> Main Accountabilities (Maximum of 10) <p><b>1. Retail Credit Strategy and Policy Development:</b></p> <ul> <li>Develop and implement comprehensive retail credit policies and procedures aligned with the bank's risk appetite and UAE Central Bank regulations.</li> <li>Collaborate with senior management to establish credit risk frameworks and lending guidelines for various retail banking products.</li> </ul> <p><b>2. Portfolio Management and Optimization:</b></p> <ul> <li>Oversee the bank's retail credit portfolio, ensuring diversification, quality, and alignment with strategic objectives.</li> <li>Implement strategies to optimize the risk-return profile of the retail credit portfolio.</li> </ul> <p><b>3. Credit Scoring and Underwriting:</b></p> <ul> <li>Lead the development and implementation of credit scoring models and underwriting criteria for retail banking products.</li> <li>Continuously refine and enhance credit assessment methodologies to improve decision accuracy and efficiency.</li> </ul> <p><b>4. Risk Monitoring and Reporting:</b></p> <ul> <li>Develop and maintain robust systems for monitoring credit risk across the retail portfolio.</li> <li>Provide regular reports and insights to the Chief Credit Officer and senior management on portfolio performance, trends, and potential risks.</li> </ul> <p><b>5. Regulatory Compliance and Relationship Management:</b></p> <ul> <li>Ensure compliance with UAE Central Bank regulations, Basel guidelines, and international best practices in retail credit risk management.</li> <li>Manage relationships with regulators, external auditors, and rating agencies on matters related to retail credit.</li> </ul> <p><b>6. Team Leadership and Development:</b></p> <ul> <li>Build and lead a high-performing retail credit team, fostering a culture of excellence, innovation, and risk awareness.</li> <li>Implement strategies for talent acquisition, retention, and development, with a focus on building specialized expertise in retail credit analysis.</li> </ul> <p><b>7. Process Automation and Digital Transformation:</b></p> <ul> <li>Drive the adoption of advanced analytics, machine learning, and AI technologies to enhance credit decision-making processes.</li> <li>Collaborate with IT and Digital Banking teams to implement automated credit approval systems and digital lending platforms.</li> </ul> <p><b>8. Collections and Recovery Strategies:</b></p> <ul> <li>Oversee the development and implementation of effective collections and recovery strategies for retail credit products.</li> <li>Monitor and optimize the performance of collections activities to minimize credit losses.</li> </ul> <p><b>9. Cross-functional Collaboration:</b></p> <ul> <li>Work closely with Retail Banking, Marketing, and Product Development teams to align credit strategies with business growth objectives.</li> <li>Collaborate with Risk Management, Legal, and Compliance departments to ensure a holistic approach to risk management.</li> </ul> <p><b>10. Emiratization and Knowledge Transfer:</b></p> <ul> <li>Champion Emiratization initiatives within the Retail Credit department, fostering the development of local talent.</li> <li>Implement knowledge transfer programs to build UAE national expertise in retail credit risk management.</li> </ul> Qualifications, Skills & Experience <p><b>Basic Qualifications, Skills & Experience</b></p> <ul> <li>Master's degree in finance, Economics, Statistics, or a related field from a globally recognized institution.</li> <li>Minimum 12 years of experience in banking or financial services, with at least 8 years in senior retail credit risk management roles.</li> <li>Comprehensive understanding of retail credit analysis, risk management principles, and UAE banking regulations.</li> <li>Strong knowledge of credit scoring models, portfolio management techniques, and retail banking products.</li> <li>Proven track record in developing and implementing credit policies and risk management frameworks.</li> <li>Excellent leadership and team management skills with a focus on driving performance and innovation.</li> <li>Strong analytical and problem-solving abilities with a data-driven approach to decision-making.</li> <li>Exceptional communication and negotiation skills, with the ability to influence at senior levels.</li> <li>Fluency in English is essential; Arabic language skills are highly desirable.</li> </ul> <p><b>Preferred Qualifications, Skills & Experience</b></p> <ul> <li>Professional certifications such as FRM, CFA, or relevant credit risk management qualifications.</li> <li>Experience working in multiple GCC markets or international retail banking environments.</li> <li>Track record of successfully managing retail credit portfolios through economic cycles and market volatilities.</li> <li>Demonstrated ability to navigate complex regulatory environments and manage relationships with regulatory bodies.</li> <li>Published thought leadership in retail credit risk management or related fields.</li> <li>Experience in implementing advanced credit risk modelling techniques and AI/ML technologies in credit decisioning.</li> </ul><img src="https://www.jobg8.com/Tracking.aspx?2BLAx2Vk0CbkY2ODCFYKIJFP7qwrlQHig" width="0" height="0" />

Head of Retail Credit (UAE Nationals only)

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