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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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To achieve the set sales targets for the assigned region on a monthly basis by regularly tracking and reviewing performance of the sales team. (if any) To manage, retain and develop business relationship with senior management of all UAE automobile dealers, high net worth individuals and corporate officials in order to enhance the sales volume and business growth. To ensure adherence to credit parameters and products manuals so as to improve / maintain the quality of the business within acceptable limits, minimum TAT & high level of customer service. To follow market intelligence including identifying customer internal needs and monitoring competitors activities for better sales To reduce incidences of fraud, forgery & misrepresentation in sales To review and provide regular Sales reports and market feedback to the management in order to facilitate decision making to improve the quality, performance and competitiveness of the bank’s products and services. To ensure that all the sales activities and documentations are in compliance to DIB SOP manuals, regulatory and audit requirements and sharia principles. To ensure high level of portfolio credit quality is maintained across the sales activities. To monitor activity of sales team (if any) and motivate and provide guidance to develop /improve their skills and productivity by arranging on the job training and other training initiatives
Job Purpose Executes consumer banking audit assignments in accordance with the Department’s standards; performs routine and non-routine internal audits, and administrative assignments, and evaluation and reporting assignment results; and review of work performed by the members of the audit team. Key Responsibilities Handles survey functions and activities in assigned areas to determine the nature of operations and the adequacy of the system of control to achieve the objectives of the audit assignment. Plans the scope of the audit and prepares an Audit work program. Conduct audits, ensure that professional standards are maintained and all assigned audit steps are executed within the approved time budget. Recommends necessary staff required to complete the engagement. Assists the Auditors in the planning of individual audit assignments, to conduct the audit efficiently and to address the major risks of the auditable activity. Participates in the performance of individual audit assignments to achieve the planned audit objectives in a professional manner. Assists the team leader in preparing the Draft Audit Report. Attend opening and closing conferences along with the VP Treasury, Risk & Finance Audit Appraises the adequacy of the corrective action taken to improve the conditions. Assists in the implementation of the department Quality Assurance Program, with regard to Consumer Banking 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. All the above accountabilities but not limited to any additional tasks assigned by line Manager. Possess basic Knowledge of Investments, Market Risk, Treasury, Capital and Financial Control . Ability to Reviews and analyze the results arising from assignment planning, testing performed and identifying cause of systems failures, potential affects and action necessary to remedy situations. Ability to ensure that audit findings are presented in a positive and constructive form. Ability to advise auditee immediately for corrective action in case of material findings where written commentary would be necessary. Ability to input/suggestions for amendment to audit approach/programs. Ability to keep informed about improvements and current developments in banking environment, and in internal auditing & risk management standards, procedures, techniques and assists staff in assimilating the Internal Audit environment. Ability to Provide audit recommendations to improve the controls and reduce cost, provisions and operational losses. Performing work more efficiently to reduce the departmental costs etc. and effectively to produce quality deliverables.
Key Responsibilities: Contribute to the development and execution of market risk frameworks and pre-impairment profit stress testing Pre-Impairment Profit Stress Testing & Net Profit Income (NPI) Analysis : Design earnings stress approach incorporating profit rate shocks and macroeconomic scenario overlays for regulatory stress testing exercises. Market Risk Stress Testing (ICAAP & Regulatory Stress Testing): Analyze market risk exposures, including rate, credit spread, FX, equity, and optionality risks for the Bank’s Islamic Derivative and Investment portfolio. Build scenario-based stress testing across market risk factors: profit rates, credit spreads, FX, and equity markets using below approaches as deemed fit: Full revaluation Delta-normal Taylor expansion for options and non-linear instruments Bucketed sensitivities method to aggregate risk factor movements Run historical, hypothetical, and reverse stress testing aligned with Shariah-compliant risk profiles. Quantify impacts on capital and income under the stress scenarios. Support risk-based decision-making through scenario analysis, reverse stress testing, and contribute to ICAAP and regulatory stress exercises primarily focused on Market Risk Stress Testing. Ensure validation, documentation, and audit-readiness of stress testing and market risk models (if any). Collaborate across Market Risk, Finance, and Treasury to align stress testing with capital planning and earnings forecasts.. Pillar 1 Market Risk & Credit Risk Capital: Support implementation of FRTB for computing market risk RWA using the Standardized Approach (SA) under FRTB: Sensitivities-Based Method (delta, vega, curvature risk) Default Risk Charge (DRC) Residual Risk Add-On for unmodellable risk factors Map the Banks’s exposures correctly per FRTB boundary rules and ensure appropriate risk factor categorization. Monitor FRTB eligibility of instruments and regulatory treatment of Sukuks under DRC buckets. Understanding of Credit Risk RWA calculation based on Standardised and F-IRB methodologies. Prepare responses to regulatory queries from the UAE Central Bank and align practices with Basel III/IV updates. Assist with disclosure and reporting requirements (Pillar 3, QIS, ICAAP, RRP, FSU Stress Testing).
Data Analysis & Engineering: Data exploration & visualization. ML/DL skills: Strong ML/DL model development skills GenAI: Extra points of having experience of GenAI use cases implementation
Manage and deliver timely, friendly & error free services for all customers to ensure the fulfillment of customer requirements by providing an accurate financial transaction services (Cash Management, Security items, Cheques) as per the Bank's policies and procedures. Key Responsibilities: Customer Service• Provide high levels of customer service of Cash/ teller function by efficiently handling the process and by reducing customer waiting time and service time.• Consistently meet and exceed service standards set for the customer services by reducing the process turnaround time.Service Quality & Business Operations Control• Adherence to all established Banks' Policies, operating manuals, service quality standards and code of conduct for smooth workflow, high service quality and low level of operational risk • To eliminate the risk of cash difference by ensuring compliance to the Bank's cash control procedures as well as the Central Bank requirements.Internal Process• To perform the financial transactions (Cash Management, Security items, Cheques) timely & accurately and Checking notes & denominations to ensure accurate delivery of cash to customers.• To conduct an accurate reconciliation on the cash balances in order to ensure the conformity between the cash and system figures.• Responsible of custodianship of securities as assigned by the Branch Manger• Custodian of approvals for all the financial transactions which exceed the teller staff cash limit.• Ensure an adequate cash balance for the teller staffs.• Supervise and custodianship of vault and safe room.• To facilitate and participate in any branch projects (Service Quality Programs, Process changes, Sales…etc). • To facilitate and participate in the achievement of branch sales target.• Responsible for the funds management between the branches and the Central Bank.Training & Development• Attend various training and learning programs to close the skill gaps and to ensure proper awareness about products and services, policies and procedures.• Maintain effective relationship with supervisors and peers to ensure teamwork.
Support sales through new and existing relationships with Developers (Master and Private Developers) and 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 Developers and 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 Developers and Government Housing Programs to assist seamless processing of Home Finance applications Create Cross-sell related initiatives with Developers and 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 Developers and 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 assist & support in managing functions/activities of Syndication Agency and review of facility documentation etc. Maintaining and updating all records, bookkeeping for tracking and timely communication with customers/banks. Prepare IOMs & all related financial calculations, track and follow up documents with Legal and ensure that all applicable documents (duly approved by legal/sharia) are executed and received. Ensure accuracy and timely release of reports as per assigned frequency . Key Responsibilities Review the approval/sanction and check that all credit facilities are approved as per delegated authorities in the bank and terms and conditions are clear in the sanction Prepare Mandate Letters/Term-sheets and Commitment Letters. Review Fund Documents prepared by the external legal counsel and make sure that these are not contrary with Investment Committee Approvals/IMs and PPM. Make sure that all required approvals are in place before launch of a new fund and before seed funding. Arrange necessary income accruals and follow-up with Fund Managers for periodic dividends / fees to be received. Advise COD for distributions to investors and recognize DIB income of dividends and fees as well as arrange to pay fund expenses after necessary approvals and keep track/records. Maintain and reconcile necessary suspense accounts required to park dividends, fees and reserves in order to distribute, recognize and or pay expenses of the relevant funds. Prepare Monthly & Quarterly portfolio reports and exception reports to be presented to the senior management in order to ensure correct reporting of exception by ensuring timely updating documentation exceptions. Review Facility Documents prepared by the external legal counsel and make sure that all syndicate terms and conditions are translated into the documents as well as DIB credit conditions are also covered. Arrange to get CP satisfaction confirmation from the transaction legal counsel and make sure that Borrowing authorities/powers and supporting constitutional documents are evidenced as customers’ borrowing powers and authorized signatories. Receive drawdown request and prepare contribution request for the participants making sure that all the pre-requisites are in place for drawdown/contributions request. Arrange to open CIF for the new customers or the Amanat accounts as required and update LMS for the facility limits and terms & conditions. Upfront and periodic fees calculation, distribution, monitor, track and follow-up. Maintenance, Tracking & follow-up for periodic profit, variable rentals, fees and appropriate/distribute according to the requirement/documentation. Also make arrangement that DIB share of income is processed in the relevant income accounts. Updating Collaterals in the LMS and updating valuation periodically and releasing these upon settlement of the facility. Deleting all the Old Documents from system/folders and arrange to send these to Old Record with proper documentation and maintain record for retrieval/tracking. Assist in preparing and updating process documents (SOPs and SLAs).
Job Purpose To manages a Unit handling administration of Syndicate Agency, Structured and other complex nature of facilities (including FIs facilities, Risk Participations and Sukuks) and is accountable for effectiveness besides responsible for delivery of high standard services to the syndicate customers. Guide and control teams on documentation and operational matters in respect of running and controlling and resolving technical issues and ensuring the Bank is not exposed to unnecessary legal, financial or regulatory risks. Key Responsibilities • Authorize/approve release of facilities and ensure that teams are confirming that approved facilities are within the delegated authority before release/processing.• Guide and act as an escalation point within the unit when staff need assistance and also provide guidance on the activities and responsibilities in the Syndicate/Agency functions, facility set up process and monitoring.• Attend meetings/calls with business departments, legal counsels, Sharia and different departments of the bank for documentation and operational matters and to ensure understanding the responsibilities of the Agency Roles. Oversee calls and meetings with syndicate banks.• Lead, motivate and develop subordinates in order to achieve required levels of performance and competency. Initiate discussion with teams on bespoke products agreements.• Ensure conditions precedents are compiled and confirmed by Legal Counsels/Agents before releasing limits and utilization of the portfolios monitored is within the approved limits.• Ensure that all activities are performed as per standard operating procedures (SOPs) and SLAs upto the customer satisfaction and SOPs are updated as and when required.• Make sure that all Fees/Income related to syndication operation and other portfolios managed is accurately maintained and tracked for recovery and distribution.• Review reports/exceptions/irregularities and advise managers on corrective actions and highlight to the senior management.• Ensure that securities/collateral are monitored on a regular basis to ensure that any shortfall in security is immediately recognized and reported for rectification by Business Departments.• Review performance of unit, effectiveness of tasks management process, identify gaps and advise on training needs to improve in productivity and quality.• Arrange to develop systems and process controls to ensure smooth work during the whole process of arranging, underwriting and operation of syndicated facilities. Ensure perfection of finance documents, securities and that bank is not exposed to any operational loss• Sign Facility/Security documents, notices, IOM for booking and remittances and authorize records in the bank's as well as 3rd party systems as per ODOA's, POAs or Access Matrixes.
Support sales through new and existing relationships with Developers (Master and Private Developers) and 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 Developers and 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 Developers and Government Housing Programs to assist seamless processing of Home Finance applications Create Cross-sell related initiatives with Developers and 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 Developers and 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 The position is responsible for assisting in activities related to Fraud Risk Monitoring and handling of related matters. Key Responsibilities Ensure Effective Fraud Risk Monitoring. Leads proactive prevention of internal and external frauds while balancing customer experience, fraud risk and regulations. Identify requirements of tools and equipment to cop-up with latest industry fraud trends. Liaise with concerned for internal watch/black listing of customer’s involved/suspected to be involved in fraudulent activities (both from EDD and payment filter’s perspective). Fraud Awareness including class room trainings, E-learnings and onsite. Response/advise on staffs queries related to fraud risk/incidents Response to fraud cases in a timely manner including initial review, fraud loss preventions etc. Suggest controls on the latest industry fraud trends/threats Assist and provide feedback in implementation and enhancement of Enterprise Fraud Risk Management System (EFRMS) in the bank. Review and closure/resolution of EFRMS alerts. Review of IS alerts (In house fraud alert mechanism set by Information Security team) and recommendation of appropriate actions to mitigate the fraud risk. Provide feedback to IS team for enhancement to existing IS alert scenarios/rules. Review of Call Center fraud referrals and provide advice for appropriate actions if any. Provide advice to GBO Remittance team on fraud cases involving payment frauds. Review of FRM-RCD investigation reports and provide/share review findings. Review of Internal Audit investigation report and provide/share review findings. Regulatory Reporting of fraud incidents (Fraud STR through CB online portal) and response to regulator’s queries. Review fraud referrals from different channels and share review findings.