SALES : 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 develop the Sales Channels in line with the Sales Strategy
CUSTOMER SERVICE :To Maintain agreed TAT for internal & external customers in order to obtain optimum customer satisfaction level and referrals
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 value.
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.
We are seeking a high-caliber Testing professional to join our Transformation Team to lead and set up an enterprise wide Testing function. This role offers a unique opportunity to contribute to high-impact initiatives that enable achievement of our strategic goals, alignment with our values and vision as a leading Islamic financial institution. While establishing a strong foundation, the candidate should be able to help the organization navigate its way towards usage of new age AI testing tools which enable reduction in testing cycle time along with improvement in testing assurance.
Manager - Test Execution
The candidate will be required to
Ensure UAT execution is performed as per business requirements and in line with the department standards and functional Test governance design/approach document
Support planning, monitoring, lead defect triage calls and Guide business teams in developing test cases and sign-off
Support users to agree on UAT Entry and Exit criteria
Liaise with Technology and business teams for resolution of the defects and track closure and escalation
Maintaining all test records resulted from users and governance activities such as test plans, requirement traceability matrix, test cases and test execution supporting evidences for projects tested.
Ensure adherence to quality management system and relevant policies and procedures to manage the quality of testing
Daily and weekly report to the management
Support to respond to audit observation related to team and provide supporting documents as per audit request.
- SALES : 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 develop the Sales Channels in line with the Sales Strategy
- CUSTOMER SERVICE :To Maintain agreed TAT for internal & external customers in order to obtain optimum customer satisfaction level and referrals
- 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
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 value.
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.
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
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
We are seeking enthusiastic UAE National freshers to join DIB!
This entry-level role offers hands-on experience across various departments for someone who wants to develop their career in the banking industry.