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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.
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•Describe undefined and difficulties parts related to the operating manual and ensure that branch staff are fully aware of operational measures. •Conduct surprised visits to branches to evaluate process and insure the major operational process are followed by each position, evaluate the risks behind each activity, the way to minimize it and measure the services provided to our customer to define the deviations and share the same with the management to rectify the same if any. •Conduct investigation over suspicious cases / fraud case and report the cases to line manager. •Assist branches service providers' consultants, external auditors and/or other parties in matters related to consumer banking departments. •Provide comprehensive and integrated treatment /solutions to the branches for their daily inquires to assure better impact on the customer service provided to customers through one point of contact •Report each surprised visit findings with constructive feedback for the better improvement of the control and service level at the branch. •To prepare / update surprised Check list utilized by the Controllers to evaluate staff awareness of policy & procedures concerning their functional areas. •Provide recommendations for any needed changes that will improve operational process and service level at the consumer banking departments. •Monthly follow up with branches for ORSM cases, reconciliation for Cash Short/Surplus account / Locker’s insurances) •Monthly branches Cash in Hand reconciliations in coordination with branches and finance department •Checking the Suspicious Transactions reported in coordination with RMG •Review the reports of cheuqe book override issued to customer whose have 4 or more return Cheques for reason insufficient balance within a period of one year to ensure that the Cheques have been approved according to approved policy BM •Follow up with the branches pending transaction on the GL reported by reconciliation team
•Support sales through new and existing relationships with Government Housing Programs across all Emirates to achieve targets as per the Approved KPIs for the team •Identify key areas for business growth by providing regular updates in collaboration with Government Housing Programs to achieve monthly sales Target •Develop efficient and collaborative processes to provide best-in-class internal channels based on existing partners’ requirements •Provide inter department information and support on related Government Housing Programs to assist seamless processing of Home Finance applications •Create Cross-sell related initiatives with Government Housing Programs including investment advisory services, project financing solutions to support Business growth •Maintain excellent partners satisfaction through consistent approach for service and product, including a quarterly business review schedule to support Home Finance Business. •Coordinate on marketing initiatives for Home Finance promotional activities with Government Housing Programs •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.
Job Purpose: To coordinate specific projects under the portfolio of strategic projects assigned to the Transformation – Project Management Office by working both internally within different areas of the organization and externally when consultants or third parties are involved. Key Responsibilities: - Ability to manage small size programs end to end. - Transformation PMO enablement: - Coordinate activities within the Transformation – PMO for it function effectively within the organization. Such work will include organizing meetings, keeping minutes, records etc. - Maintain adequate relationships within the organization to enable Transformation-PMO access to stakeholder time. - Project Coordination and oversight - To monitor project plans and deadlines for allocated projects and/or parts of projects. - Effective with hybrid work model including WFH. - Adequate Project Stakeholder Coordination to enable and effectively perform delegated project duties - Communication - Communicate clearly Team mates and with project stakeholders - Change Management - Work with Transformation–PMO on change management activities including training and where necessary organize access to facilities, time and stakeholders.
Job Purpose Perform the validation, calibration and implementation of a suite of credit risk rating methodologies, models compliant with regulatory requirements that are compliant with both internal and external regulations. Key Responsibilities IFRS 9 model monitoring, validation and ensure that all models are validated and refined/ re-developed as per the governance framework Perform analysis on the analytical models used in stress testing and ICAAP to ensure the models are fit for purpose or not. Develop and maintain a model inventory and ensure the inventory is complete, accurate, and consistent with the model governance framework. Liaise with model owners and users to provide quantitative solutions in timely manner. Coordinate with other quantitative analysts within the Bank to ensure that rating models and solutions are consistent and in-line with the Bank practices Ensure accuracy and completeness of archived information and related documentation to allow independent third party review of the validation work performed. Perform data due diligence and data preparation required for the IFRS 9, Basel, Stress Testing, in line with the department’s standards. 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.
Job Purpose: Information Technology Audit, Assistant Manager, will support the Internal Audit team of Bank by executing risk-based IT audits to evaluate the effectiveness of IT controls, risk management, and governance processes. Expertise Required: • In-depth knowledge of banking applications, e.g. T24 core banking, AML systems, Swift payment systems, UAE Direct Debit System (UAEDDS), Image Cheque Clearing System (ICCS) and UAE Payment Gateway System (UAEPGS). • Familiarity with IT Infrastructure, such as network, databases (e.g., Oracle, SQL Server), operating systems (e.g., Windows, Linux), cloud security (e.g., AWS, Azure), and data privacy regulations (e.g., GDPR, PCI-DSS). • Solid auditing skills, including risk assessment, control evaluation, and testing using tools. • Reporting skills for creating audit documentation and presenting to stakeholders. • Analytical and problem-solving skills for identifying root causes and developing effective solutions. • Strong communication and interpersonal abilities for collaborating with teams and influencing change. • Adaptability to evolving regulations, technologies, and banking trends.
Handle customer retention cases in efficient & quality manner in line with the departmental framework. - Meet assigned target efficiently as per the approved KPI's. - Contact customers over the phone to understand customer's perspective/needs and recommend appropriate retention solution. - Ensure meeting call quality standards according to the department's framework, while contacting any customer for retention purposes. - Ensure compliance with the department's policies, procedures and SLA. - Ensure providing the necessary services and product awareness to the customers within the approved TAT with no complaints. - Provide necessary MIS/Reports as and when required. - Liaise with internal stakeholders to enhance customer retention rates. - Evaluate / Handle / Address / approve various types of after sale cases to apply the waiver authority limits mentioned and approved in retention strategy as applicable. - Handle Retention activity, after sales service request and rescheduling assigned to action.
To source business for Personal Finance from the potential customers from the preferred segment for the bank in order to achieve business targets. Key Result Areas: - To sell Personal Finance to the specified target segment and achieve or exceed monthly Target. - To ensures that all the necessary bank charges /terms and conditions are clearly communicated to all customers. - Identify potential customers through databases; follow up leads and telephone/personnel contacts and cold calls. - To contact potential customers and convince them about the benefits of the banks specified product. - To source applications from the segments as per targets set for the period, complete with all necessary documents. - To adhere to the administrative requirements of Check list, Daily sales reports on daily basis. - To maintain effective business relationship with clients to enhance the customers service image of the bank. - To ensure all the documents provided by the customers are duly checked and forwarded for further action/process. - To ensure portfolio quality by exercising sound credit judgment and by complying with credit and product parameters to complete all formalities and documentation in line with SOP manuals and Shari’ah principles. - To prepare regular Sales reports and obtain & provide market, customer and competitor information and feedback to management to facilitate decision making. - To attend various training and learning programs to close the skill gaps and to ensure proper awareness about the products. - To ensure high level of portfolio credit quality is maintained across the sales activities by conducting Central Bank Black List Check for account opening requests in order to avoid risk factors and ensuring necessary compliance approvals are taken for High Risk accounts if and when required. - To conduct all mandatory activities related to account opening as per agreed SOPs and SLAs. - To Coordinate with AMU in order to ensure all account opening documents are submitted on time
· Prepare a sale plan/ strategy on the assigned channel i.e HNWI, Companies and Self Employed Segment to ensure that targeted budget is met, and to ensure that the plan corresponds to the overall sales strategy. · Manage team of RMs to source home finance business by targeting HNWI segment clients and corporate companies on retail level. · Conduct and coordinate onsite trainings for HNWI staff on Corporate Credit proposals and Moody’s ratings. · Prepare a summary of all existing clients on a daily basis for future correspondence and sending information on promotions to obtain more referrals. · Ensure documentation, credit analysis and proper checks on customer files are based on DIB’s credit guidelines before submission to credit to ensure maximum approval and to make sure that the quality of files submitted are without discrepancies. · Manage the portfolio of clients along with timely reviews to mitigate risk. · Attend internal and external training programs to enhance marketing and product knowledge. · Conduct market research on competitors, trends and developments to provide feedback and suggestion to line manager. · Ensure compliance with the approved policies, procedures, SLAs and regulatory requirements to maintain quality standards and ensure risk mitigation. · Coach, train and develop team skills by identifying training needs and assign appropriate learning platform to the team. · Review team performance and deliverables in line with the approved KPI’s to ensure meeting desired objectives. · Ensure all assigned tasks and projects are executed within the approved policies, procedures and SLAs of the department.
· To manage all Service Centre functions with a view of meeting/exceeding service levels and customer expectations. Ensure that all transactions are processed as per Compliance Rules and Regulations. · To conduct Service Quality checks and recommend improvement for External and Internal customers. · To formulate Service Level Agreements between various internal departments to ensure smooth processing of the work. · Effective monitoring of reports and escalation matrix wherever required. · Recommend improvements to departmental policy, implementation of procedures and controls covering all areas of the Service Center so that all relevant procedures/legislatives are fulfilled at all times · Automation of manual activities as much as possible for all transactions. · Conduct regular meeting with team to keep intact one team concept. · Service Levels of 90% or more to be achieved at all times. · Responsible for custodianship of securities pertaining to the Account Opening Area. · Carry out comprehensive root cause analysis and highlight to management for procedural changes and routines. Prepare and review strategic plans and process improvements for the customer service team. · Monitor the request flow from alternative channels and suggest improvements and changes accordingly. · Recommend steps to control and mitigate any negative feedback for the company. · Ensure adequate steps are taken to improve customer loyalty and thereby customer retention. · Ensure compliance with the approved policies, procedures, SLAs and regulatory requirements to maintain quality standards and ensure risk mitigation. · Coach, train and develop team skills by identifying training needs and assign appropriate learning platform to the team. · Review team performance and deliverables in line with the approved KPI’s to ensure meeting desired objectives. · 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.
· Build the sales pipeline by calling & qualifying high quality sales ready leads from lists, referrals received etc. · Develop efficiency in lead generation by pre-qualifying prospects of target segments from within the banks database as well as external data sources · Achieve targets related to daily lead generation and conversions. · Reduce leakage of leads to other banks · Maintain MIS reports to track leads generated, monitor lead response times, customer contact rate & conversions · Revive business opportunities by regular customer engagement targeting/prospecting customers & communicating with them on a regular basis. · 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.