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Dubai Islamic Bank
Digital Banking
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About Dubai Islamic Bank
Established in 1975, Dubai Islamic Bank is the largest Islamic bank in the UAE by assets and a public joint-stock company listed on the Dubai Financial Market. Spearheading the evolution of the global Islamic finance industry, DIB is also the world’s first full-service Islamic bank and the second-largest Islamic bank in the world. With Group assets over USD 80bln and a market capitalization of more than USD 10bln, the group operates with a workforce of more than 10,000 employees and around 500 branches in its vast global network across the Middle East, Asia and Africa. Serving over 5 million customers across the Group, DIB offers an increasing range of innovative Shariah-compliant products and services to retail, corporate and institutional clients.
In addition to being the first and largest Islamic bank in the UAE, DIB has a significant international presence as a torchbearer in promoting Shariah-compliant financial services across several markets worldwide. The bank has established DIB Pakistan Limited, a wholly-owned subsidiary that is the first Islamic bank in Pakistan to offer Priority & Platinum Banking, as well as the most extensive and innovative portfolio of Alternate Distribution Channels. The launch of Panin Dubai Syariah Bank in Indonesia early in 2017 marks DIB’s first foray in the Far East, the bank owns over 25% stake in the Indonesian bank. Additionally, in May 2017, Dubai Islamic Bank PJSC was given the license by the Central Bank of Kenya (CBK) to operate its subsidiary, DIB Kenya Ltd. DIB has been designated as D-SIB (Domestic Systemically Important Bank) in 2018 in UAE. In early 2020, DIB completed the acquisition of Noor Bank, which solidifies its position as a leading bank in the global Islamic finance industry. In 2021, DIB increased its foreign ownership limit to 40% reflecting the increasing confidence of global investors towards the bank.
The Bank’s ultimate goal is to make Islamic finance the norm, rather than an alternative to conventional banking worldwide. DIB has won a range of accolades that are testament to these efforts across diversified areas, including retail, corporate and investment banking, as well as CSR and consultancy services. DIB has been named the Best Islamic Bank in various prestigious ceremonies and recognized for its outstanding performance amongst the world’s Islamic Banks, marking it a clear indication of the bank’s leadership position in the Islamic finance sector.
For more information, please visit us at www.dib.ae
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Available Jobs
Assistant Manager - Cards & E-Channels Fraud Control & Auth
Dubai
Job Purpose To execute operational activities pertaining to Cards & E-Channels Fraud Control & Authorization with respect to transaction fraud monitoring to ensure that cards and account transactional fraud losses are minimized and quality service is delivered to customers. Key Responsibilities Ensure that all Operations processes are adhered to and recommend changes in existing processes, fraud control techniques, and set parameters and thresholds for monitoring based on market intelligence available and changes in the latest fraud trends. Execute and assist in monitoring of transactional activity to ensure early identification of suspicious transactions with respect to fraudulent usage in order to minimize transactional fraud losses. Report any identified fraudulent activity for immediate action to prevent further losses. Perform investigations to ascertain genuineness of cardholder claim(s) to assist in compensating the cardholder for counterfeit transactions. Periodically review alert generation behavior and report any abnormal activity. Assist in managing Fraud Monitoring Hotlist tables. Follow and proactively review existing Operations processes and controls with a view to identify inherent risks and areas with weak controls. Recommend appropriate changes and assist in implementing process/workflow changes for higher efficiency and controls. Maintain periodic MIS of Cards Operations for Fraud Management area. Assist in identifying processes that can be automated and recommend for implementation accordingly. Assist in ensuring that all processes in the Unit are compliant with Central Bank, VISA International, and DIB rules and regulations in processing of transactions and documentation. Ensure that all required Regulatory and other periodic Reports / MIS are prepared and submitted on due dates. Ensure timely blocking all the fraud/fraud suspected cards, accounts, online banking, IVR-TPIN. Ensure timely blocking suspected amounts from respective fraudster’s accounts. Ensure all manual/high amount authorization requests are handled as per process. All the above accountabilities includes but not limited to any additional/new tasks or responsibilities assigned by the line Manager.
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19-Mar-2025
Manager - Sharia Product Development and Research
Dubai
Support and facilitate the entire product development cycle from Sharia perspective which includes, identification of suitable Sharia structure, determination of required documentations and processes, in line with department standards. To support related Dar Al Sharia tasks or activities assigned by the Line Manager. Review concept note of proposed products, key commercial objectives and identify potential Sharia issues in the proposal. Propose suitable Sharia structure, determine required product documentation, IT system requirement from Sharia compliance perspective and identify other Sharia related operational or implementation requirements. Liaise with the ISSC to explain, clarify the product concept and obtain Sharia approval / guidance. Explain approved Sharia structures, documentation and required process from Sharia compliance perspective to product development, IT team and other relevant stakeholders. Assist product team develop product programs / relevant policy and procedure documents in accordance with the guidance of the ISSC and Higher Sharia Authority (HSA). Conduct the review of accounting entries, marketing materials and provide feedback in accordance with the guidance of the ISSC and Higher Sharia Authority (HSA). Pursuit the implementation of Sharia guidance of the ISSC and Higher Sharia Authority (HSA) with respect to the relevant product. Groom subordinates in order to improve their capability and skills. Ensure compliance with the approved policies, procedures, SLAs and regulatory requirements to maintain quality standards and ensure risk mitigation. Ensure all assigned tasks and projects are executed within the approved policies, procedures and SLAs of the department. All the above accountabilities including but not limited to any additional/new tasks or responsibilities assigned by the Line Manager.
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19-Mar-2025
Assistant Manager - Sharia Product Development and Research
Dubai
Support and facilitate the entire product development cycle from Sharia perspective which includes, identification of suitable Sharia structure, determination of required documentation and process. To support related Dar Al Sharia tasks or activities assigned by the Line Manager. Review concept note of proposed products, key commercial objectives and identify potential Sharia issues inthe proposal.Propose suitable Sharia structure, determine required product documentation, IT system requirement from Sharia compliance perspective and identify other Sharia related operational or implementation requirements. liaise with the ISSC to explain, clarify the product concept and obtain Sharia approval / guidance.Explain approved Sharia structures, documentation and required process from Sharia compliance perspective to product development, IT team and other relevant stakeholders.Assist product team develop product programs / relevant policy and procedure documents in accordance with the guidance of the ISSC.Conduct the review of accounting entries, marketing materials and provide feedback in accordance with theguidance of the ISSC.Pursuit the implementation of Sharia guidance of ISSC with respect to the relevant product.Groom subordinates in order to improve their capability and skills.Ensure compliance with the approved policies, procedures, SLAs and regulatory requirements to maintainquality standards and ensure risk mitigation.Ensure all assigned tasks and projects are executed within the approved policies, procedures and SLAs ofthe department.All the above accountabilities includes but not limited to any additional/new tasks or responsibilities assignedby the Line Manager.
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19-Mar-2025
Officer - Branch Sales
Dubai
Full time
SALES SUPPORT: To prepare a business plan / strategy on the sector of clients to be covered to ensure that targeted budget is met, to manage the Sales target, to Support the Sales Channels in line with the Sales Strategy Documentation & CREDIT ANALYSIS: To conduct proper checks of customer files based on DIB credit guidelines before submission to credit to ensure maximum approval & to make sure that the quality of files submitted are without discrepancies Sales Management & MIS Generation: Input all leads on CRM & update the same regularly to track follow-ups and for review, Preparing the daily sales report and the pipeline report on all possible leads for the month including follow-ups for future deals to have an updated status of all cases and conversions & to prepare a summary of all existing clients on a daily basis for future correspondence and sending info on promotions to obtain more referrals MARKET & PRODUCT KNOWLEDGE: To be updated on all product parameters regularly, to attend all internal and external training programs conducted & to be updated on competitor information, market developments to be in a position to recommend suggestions to internal and external clients. COMPLIANCE: To ensure that all the sales booked are in line with all the prevalent regulation of compliance and audit & to understand and apply DIB core values
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12-Mar-2025
Officer - Portfolio, Business Finance
Dubai
Full time
Monitor and gauge new and existing bank customers BBU Assets (SBF/TWC) clients financial / business health, in order to maximize utilization of DIB Business Account, Trade and Treasury for FX Transactions. Key Responsibilities - Visit existing and potential BBU Assets (SBF/TWC) clients to monitor their financial / business health. - Conduct regular meetings with existing BBU Assets clients in their premises to assess why approvalconditions are not being met and provide feedback to team leader. - Communicate with BBU Asset SBF / TWC customers to use DIB Accounts, Trade and Treasury services to increase customer wallet share. - Be the representative of BBU Assets within the Bank for highlighting / raising issues facing SBF/TWC clients. - Interact and conduct regular meetings with Support Departments for ensure the expectations of Business Team and Support Team are mutually clear and trouble shoot any issues/ pending cases. - Ensure complete awareness of banks product features, policies and processes at all times. - Comply with Sharia guidelines and Code of Conduct Quality check the applications submitted by SBF / TWC team to ensure the applications are checked for assessments done by Portfolio Quality Team - Adhere to administrative requirements of submitting daily customer visit reports. - Maintain confidentiality of customer information, DIB information at all times while communicating.
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11-Mar-2025
Manager - Retail Risk Modelling & IFRS9
Dubai
Job Purpose The role is to support the development, enhancement and implementation of a suite of credit risk rating methodologies, models and scorecards compliant with regulatory requirements (e.g., IFRS 9, Stress Testing etc.) and also accountable for maintaining the Bank's model inventory. Responsible for maintaining Retail Credit Risk models/ scorecards with the aim to deliver robust tools that are compliant with both internal and external regulations and provide business insights and recommendations. Role includes collaboration with the other stakeholders to ensure models and methodologies are appropriate given overall governance framework and regulatory requirements. Key Responsibilities Lead and perform the development and implementation of retail risk scoring models across life cycle of various retail portfolios (IFRS 9 Models, and Stress Testing). Assist Business, Risk, Finance, Audit departments in scorecard related queries and provide with necessary information. Work closely with all stakeholders to develop and implement PD, EAD, LGD models, assist in ECL calculation and validation for IFRS9 reporting in addition to creating stress testing models and policies. Support Model validation team for model amendments, validation, and verification. Review Bank's risk scoring models and identifies opportunities to improve the models and processes, make recommendations to senior management for model change/ enhancements and implements cutting edge techniques in order to maximize value and develop best in class decision tools. Oversees accurate implementation of models and supports their use, interpretation and monitoring and constantly realigns models to monitor performance with the aim to provide ongoing guidance on all lending activities for retail portfolios. Develop new, maintain and enhance retail scorecards (application, behavior, collections/recovery, etc.). Liaison with business functions, credit approval, collections and other related functions to drive use, monitor overrides, analyze new requirements and feedback on existing models. Develop and maintain a model inventory and ensure the inventory is complete, accurate, and consistent with the model governance policy. Propose amendments in the scorecards depending on policy changes and accordingly validate and implement the changes.
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04-Mar-2025
Officer - Risk Analytics & Scoring
Dubai
Job Purpose The role is to support the in developing, maintaining critical MIS for portfolio monitoring and work closely with Policy team to provide data-based analytics to help business take informed decision. Role includes collaboration with the other stakeholders in order to support monthly portfolio review. Key Responsibilities Assist in designing and developing comprehensive MIS for all asset products to facilitate prudent credit management policies. Provide timely Management information to different areas within the Credit function as well as to the other departments of retail banking to keep the management updated and alerted to all scenarios. Participate in and recommend system developments and enhancements and ensure timely implementation of key system enhancements, which is vital to the organization to facilitate the process flow & save time. Prepare product portfolio wise presentation for senior management, which will help them to explore all the important details about their portfolios and present it to higher management. Develop product/Score wise vintage report to better understand the performance/economic life cycle/loss patterns for retail products, this will help the policy managers to keep revising their lending policies in order to relax or tighten specific segments. Streamline & automate the process of generating MIS's & reports by using SAS and Neteeza, which will save time & enhance the process. Assist in preparing monthly reports for submission including RADAR, Segmentation pack and Scorecard packs for senior management, which will help them to understand the portfolio performance.
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04-Mar-2025
Officer - Service Center
Abu Dhabi
Full time
To provide optimal customer service team by quick & efficient customer handling. To ensure documents from customers are properly acknowledged and processed as per transaction requirements. Maintain & update MIS to record all transactions. Ensure customer feedback is captured. Ensure all transactional application is duly complete and linked to customers file as appropriate. Ensure TAT to be achieved for all transactions. Communication to be evidenced in all customer contact Encourage customer retention & customer loyalty Decipher customer needs and offer the best solution based on proper bank policies. Ensure compliance with the approved policies, procedures, SLAs and regulatory requirements to maintain quality standards and ensure risk mitigation. Ensure all assigned tasks and projects are executed within the approved policies, procedures and SLAs of the department. Incorporate and comply with the bank's core values especially the Customer First in your day today activities. All the above accountabilities include but not limited to any additional/new tasks or responsibilities assigned by the line Manager.
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03-Mar-2025
Senior Officer - Internal Audit (For Emiratization)
Dubai
Key Responsibilities Survey functions and activities in assigned areas to determine the nature of IT areas and the adequacy of the system of control to achieve the objectives of the audit assignment. Prepares the audit plan to conduct the audit and prepares the Audit work program. Assists the Auditors in performing individual audit tasks, to conduct the audit efficiently and to address the major risks of the auditable activity. Performs the audit of individual activity assigned to him to achieve the planned audit objectives in a professional manner. Makes oral or written presentations to the auditee during and at the conclusion of the audit, discussing observations with the process owner. Prepares the Audit work paper for assigned completed work for manager review. Prepares and edits the Draft Audit Report. Attend opening and closing conferences along with the Manager /AVP Information System Audit. Follow up with auditee to get an update on the audit action plan and briefs the audit manager on the adequacy of corrective actions taken as per the audit recommendation. Assists in the implementation of the department Quality Assurance Program, with regard to Information System Audit, to ensure that the department is functioning at a high level of efficiency and effectiveness. Provides input for the revision of audit programs/review approach to achieve specific objectives in more effective/efficient manner. Keeps informed about improvements and current developments in Information Technology, Information Systems Security, etc. and in IS auditing & risk management standards, procedures, and techniques. Assists staff in assimilating the Internal Audit environment.
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20-Feb-2025
AVP - Credit Risk MIS and Modelling
Dubai
Job Purpose Manage the credit risk modeling & stress testing activities which in line with the department / Bank's standards. Develop robust statistical models, in order to analyze and predict and quantify the impact of credit risk affecting the bank. Key Responsibilities Develop rating, ifrs9 and stress testing credit risk models for wholesale portfolio ensuring that all underlying models are fit for purpose duly evidenced through relevant statistical tests, business and economic sense.Develop sound and efficient model development framework and guidelines, in line with the department /Bank's standards.Develop new modeling methodologies, documentation templates, model user manual, model remediation techniques, in line with the Bank / department's standards.Comply with the regulatory Model Risk Management Standards, assess model risk and make recommendations on model use.Review validation and audit findings to plan and execute remediations within agreed timelines.Ensure implementation of model development process, and lead internal communication to guide model redevelopment / optimization / recalibration/ monitoring activities.Provide support in designing and UAT of risk DataMart for future modeling activities.Provide support, feedback, mentoring, and work oversight to the team. Keep abreast of industry and regulatory developments, and evolving expectations.Coach, train and develop team member skills by identifying training needs and assign appropriate learning platform to the team.
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