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Welcome to
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
Officer - Developer Management
Dubai
Full time
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.
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14-May-2025
Senior Officer - Fraud Risk Monitoring
Dubai
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.
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30-Apr-2025
Assistant Manager - Operational Risk Assessment
Dubai
Job Purpose: Conduct Operational risk assessment of the Bank's departments in line with the Risk Management Framework, Regulatory requirements, Basel recommendations and international standards, in order to mitigate the operational risk. Key Responsibilities: Perform periodic Risk Assessment of all departments of the Bank in line with the Board approved Risk Management Framework Develop and implement the Risk Assessments quality review plan of all departments of the Bank Review drafted; new product programs, policies, procedures, proposed memos, in order to highlight gaps in controls & inefficiency in process flows. Represent Risk Management in the committees formed for launching new products, process cycle reengineering, new policies and procedures development, and any subsequent amendments thereof. Share proposals and concerns as well as suggestions to mitigate the identified risks. Liaise with Stakeholders to discuss inherent risks in the process, areas of concerns, assess overall residual risks of unresolved concerns and recommend enhancements. Review final documents stated above, highlight unresolved concerns, discuss with stakeholders and assess overall residual risks of unresolved concerns. Follow up with the concerned departments for the revision of the policies & procedures in order to present changes for stakeholders' review and document changes through the Policies and Procedures department Ensure adherence of all documentation and activities as per the Bank's SOPs, SLAs and regulatory & audit requirements. 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.
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30-Apr-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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30-Apr-2025
Portfolio Manager - Investment Products
Dubai
Full time
To monitor the sale and portfolio review of Investment products and ensure that associated risks are safeguarded while the portfolio simultaneously generates fee income for bank. Key Responsibilities: • Monitor collateral management process with Credit, CAD and front line to ensure that clients are proactively updated about their leveraged portfolio positions • Reconcile collateral management report as per business requirements on a daily basis and analyse FTV matrix across customers on a weekly basis to observe portfolio behaviour• Compile monthly portfolio reports across products including Mutual Funds, Sukuk and Structured Deposits to monitor performance and risks• Conduct regular portfolio review of customers' investments to minimize losses and increase customer retention• Instil adequate process to ensure margin calls are serviced in a timely manner.• Monitor high risk client portfolios for regularization of FTVs back to the original limit and utilizing cross collateralization where applicable• Responsible for quarterly reporting of Mutual Funds data as per licencing guidelines prescribed by SCA• Reconcile Fund Fee & Trail Fee Payments received from Allfunds in line with the governing arrangement with the Fund Houses• Closely liaise with Operations to ensure coupons and dividends are paid to the clients on a timely basis to accurately capture portfolio performance• Review outstanding facility reports received from Credit for ICD and Tawarruq contracts and follow up with front line to normalize overdue contracts in time• Coordinate with SP & BA team to ensure incentives are computed on time by assisting them with client data for Investments • Prepare portfolio summary incorporating customer profiling details received from Sales to aid investigation of individual cases received from Senior Management • Update RMs on the market movements of the client portfolios and disseminate RM portfolio holdings per client• Prepare management decks and MIS for reporting on weekly and monthly basis • Monitor Investment Portfolio MIS with respect to Sales, performance and target and reconcile the same with relevant departments on weekly basis • Manage RM Portfolio by ensuring adherence to portfolio assignment principles for capacity planning and rebalancing
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28-Apr-2025
Projects Manager
Dubai
Key Responsibilities: - Presenting brief of areas available for construction for the relevant plot - Writing initial project brief & preparing preliminary budget of the project & high level project time plan - Proposing list of consultant related to the project to the steering committee & reviewing the conditions of contract for contractor engagement - Writing initial scope of work of the consultant - Writing relevant part of Request of Proposal to be sent to consultants - Proposing the conditions of contract for consultant engagement - Proposing the most suitable consultant to the steering committee - Following the progress of the design and approval of authorities - Coordinating with engaged consultant to list most suitable contractors to bid for the works - Reviewing the most suitable contractor as proposed by consultant to carry out the execution of that building, in terms of relevant experience and price - Following the progress of work at site to ensure timely completion of work and timely dissipation of information between consultant and contractor - Verifying/authorizing payment to consultant and contractor & reviewing the final account of the contractor and the consultant - Verifying end user request for variation in the work of consultant and contractor and reviewing/authorizing payment relevant to that variation request - Reviewing/authorizing variation due to changing in authorities requirements - Supervising the final handing over of work from contractor to end user including the submission of all necessary documents - Following defects as it may appear in the building and ensuring timely action taken by contractor and consultant
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28-Apr-2025
Officer - In Branch Sales
Sharjah
Full time
To achieve sales targets from branches and from outside customers of all Products to cover the assigned monthly targets. Generate and follow up of leads and referrals and tap walk-in customers in Branches to ensure business conversion To maintain complete record and proper documentation of all related products to ensure effective compliance. Daily sales reporting to the assigned Branch Manager and provide regular feedback on target achievement to ensure and keep track of monthly, yearly targets and sales activities. Promote and educate customers of the branch on the current promotions and offers, which will enhance the sales of the assigned branch. Approach existing and new customers in and out of branch to achieve individual and branch sales target. Conduct cold calling, telephonic and field visits to existing and new customers for business conversion. Provide necessary advice on investments/financial solutions based on the needs of customers. To provide Assistance and support to new and existing staffs in cross selling techniques based products, within and outside the branch.
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18-Apr-2025
Senior Assistant - In Branch Sales
Abu Dhabi
Full time
To achieve sales targets from branches and from outside customers of all Products to cover the assigned monthly targets. Generate and follow up of leads and referrals and tap walk-in customers in Branches to ensure business conversion To maintain complete record and proper documentation of all related products to ensure effective compliance. Daily sales reporting to the assigned Branch Manager and provide regular feedback on target achievement to ensure and keep track of monthly, yearly targets and sales activities. Promote and educate customers of the branch on the current promotions and offers, which will enhance the sales of the assigned branch. Approach existing and new customers in and out of branch to achieve individual and branch sales target. Conduct cold calling, telephonic and field visits to existing and new customers for business conversion. Provide necessary advice on investments/financial solutions based on the needs of customers. To provide Assistance and support to new and existing staffs in cross selling techniques based products, within and outside the branch.
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16-Apr-2025
Senior Lawyer
Dubai
Key Responsibilities - To assist in providing legal support and services to internal clients on the best possible legal structure of a transaction, participate in the negotiation with counterparties, structure the deal and prepare documentation, drafting and reviewing contracts, agreements, powers of attorney and all other legal documents. - To assist in providing legal support to the Bank’s subsidiaries, if required. - To regularly update the management with regard to the status of the legal issues being handled and properly liaise towards delivering a comprehensive regular Control Sheet. - To liaise as required with external lawyers and assist in the preparation of the required documentation of cases, reviewing of external lawyers bills and regularly update the litigation report. - To monitor and follow up of UAE legislation as well as to inform management on the impact of newly enacted legislation on DIB’s overall activities. - Work with the various Departments / Units concerned in legal aspects of product development and create all legal documents of the bank including contracts, agreement, forms etc. - To draft Contract, Agreements and other legal instruments, Memoranda and Pleadings pertaining to the Bank as and when required. - To ensure compliance of all activities and legal documents to regulatory, audit and Sharia principles and guidelines.
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08-Apr-2025
Senior Relationship Officer - Business Finance
Dubai
Full time
To source new business of BBU Assets SBF from potential customers as per Bank’s Policy and Process. Key Responsibilities - Sell DIB’s SME Products/ Services to the target segment and achieve/ exceed monthly targets. - Identify potential customers by referring customer contact databases or by following up on the leads referred by call centre / personal contacts or by doing cold calls. - Convince customers by highlighting the benefit of DIB products v/s competition. - Ensure complete awareness of banks product features, policies and processes at all times. - Comply with Sharia guidelines and Code of Conduct - Ensure the banks charges/ terms and conditions are clearly communicated to all customers. - Source applications by doing front end customer due diligence and collect complete set of documents required by the bank. - Ensure the documents are verified checked for completeness/ validity to avoid later rejections by Credit/ Operations - Adhere to administrative requirements of maintaining document checklist and submitting daily sales report and daily call report. - Maintain effective business relationship with clients to enhance/ maintain the DIB Brand name. - Maintain confidentiality of customer information, DIB information at all times while communicating. - All the above accountabilities include but not limited to any additional/new tasks or responsibilities assigned by the line Manager.
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