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Welcome to
Dubai Islamic Bank
Digital Banking
Manage your finances and stay up-to-date with your banking activities. DIB SME Banking App is tailor-made to help you achieve your financial goals
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
Senior Relationship Manager - Business Liability
Dubai
Full time
To provide a timely, efficient and personalized service to a select group of high value Business customers withthe aim of increasing the size of the portfolio, by onboarding of NTB customers, and generating CASA/ deposits,fee income through the sale of Forex /cash management products. Key Responsibilities: Deliver the budgeted volumes for deposits, CASA, forex and cash management Products by increasing the BLU portfolio by increasing deposits of existing customers and targeting of new corporate entities not banking with us. Cross-sell other Dubai Islamic Bank Products and Services to BLU customers;Ensure adherence to Bank processes & policies and report deviation to immediate supervisor/manager;Work closely with the BL Head to provide customers with the best solution for their various business banking needs. To ensure retention of existing customers by providing efficient and satisfactory services.To maintain regular contacts with BL customers either through telephone calls, company visits and providing detailed call reports.Ensure smooth processing with other departments like legal, compliance, GBO in order to provide timely results for clientsGuide and provide continuous support to ARM(s) to achieve business target and assist them in building relationships with their customers.
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11-Sep-2024
Senior Officer - Foreign Exchange Product
Dubai
Full time
Key Responsibilities: · Supervise foreign exchange cash exchange business proposition and business profitability, in line with department's policies and procedures. · Monitor business activity across distribution network and assist branch staff to ensure revenue target is achieved. · Support in developing and executing new business ideas/propositions, cross sell plans, process enhancements and system enhancements for the business, in order to optimize business growth. · Conduct periodic branch visits to provide required business support and product training to branch staff. · Ensure delivery of competitively priced products and services by constantly reviewing and optimizing product pricing (through market research) in consultation with exchange houses (and treasury, if applicable). · Review and enhance customer experience through digital methods by introducing online order placement capability for buying / selling foreign currency notes. · Identify and implement cost reduction opportunities to enhance business profitability · Own end-to-end product life-cycle (research, pilot, develop & manage) and engage with stakeholders to deliver on planned activities and timelines. · Liaise with internal and external stakeholders efficiently and effectively, in order to maximize and optimize the business opportunities. · Support in developing value driven incentive scheme for foreign currency cash sales for distribution team to optimize channel productivity. · Monitor competitor activity (by conducting periodic market scanning) and implement effective actions to counter competition to ensure achievement of business strategic goals. · Monitor foreign currency positions (daily and overnight holdings) in order to avoid any risk loss. · Prepare exchange rate reports and other MIS reports on periodic basis in order to ensure better control over Foreign Exchange business Operations. · 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 include but not limited to any additional/new tasks or responsibilities assigned by the line Manager.
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11-Sep-2024
AVP - Head of Cards Life Cycle Management
Dubai
Full time
To execute structured programs and campaigns across the various lifecycle stages of Cards (e.g. limit increases, cards upgrades, winback of customers having monitored cards, card spend consolidations, Supplementary Cards, Payment deferment & Payment flag (min. due) optimization, signing-up for SI and digital payments. Driving these initiatives to support the Cards Portfolio objectives (of growing Spends, ENR Balances & Revenues). Key Responsibilities: Business Strategy: - In this people leadership role, job holder is responsible to manage a high-performance team (of Managers, Team Leaders and the tele-calling set-up) to scale-up the business. - Actively own and lead the implementation of approved programs & initiatives, and ultimately play a key role in achievement of Cards Portfolio overall objectives of Spends, Balances (ENR) and Revenue growth - Oversee the tele-calling team and run various initiatives (continuous engagement with existing cardholders) to achieve targets for card upgrades, limit increases, higher number of customer card win-back (monitored to normal cards), increase penetration of supplementary cards and optimizing the payment flag & executing payment deferment programs etc P&L Management: - Execute programs to achieve higher engagement & response-rates from a greater number of existing cardholders (by upgrades, higher limits, penetration of supplementary cards etc) - Constantly seek to improve and enhance our campaign delivery capabilities, working to increase ROI and reduce costs. - Create & review business cases (ROI based on revenue and cost metrics), & conduct post-program analysis to help fine-tune the programs continuously Compliance with Sharia/L&C Requirements: - Ensure all programs and customer communications of the function are duly approved by Sharia, Legal and Compliance Matrix partnership with other functions - Work closely with other relevant functions (SP&BA, Marketing, IT Dept, Process Management etc) to ensure all initiatives are executed in timely manner as per plan (calendar)
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11-Sep-2024
Senior Officer - Reporting & Regulatory
Dubai
Full time
Monitor business performance, ensuring exceptional quality standards, recommending strategies to continually improve business outcomes with superior customer experience and contributing to the enhancement of operational excellence, regulatory compliance, optimize customer interactions, and align our processes with industry best practices. Key Responsibilities: - Responsible for quality control and new initiatives including call monitoring, to ensure quality standards are maintained within the Solutions Hub and execute quality control measures to optimize customer interactions and business processes by identifying and addressing process gaps - Assist the management in various projects, provide data insights and manage strategic initiatives to drive positive outcomes. - Responsible for capacity planning for the department ensuring, optimal allocation of resources at all times for maximum efficiency and productivity for catering to the service requests - Analyze team Key Performance Indicators (KPIs) and execute strategies to achieve targets, emphasizing continuous improvement. - Assess the efficiency of performance and daily activities of the retention team, identify areas for improvement, and contribute to the development of strategic initiatives to enhance retention - Responsible for managing projects that align with quality and performance objectives, ensuring successful and timely completion across all systems. - Coordinate with cross-functional teams to implement process enhancements and drive business performance. - Ensure readiness of audit requirements at all times, ensuring compliance with bank regulations. - Evaluate the team’s adherence to established processes and regulatory guidelines, taking corrective action against violations. - Analyze and resolve customer complaints and issues promptly, with an objective to prevent future occurrences of the same nature - Carry out Quarterly visits to branches to meet the teams, assess daily activities, and ensure their alignment to the department’s overall objectives. - Ensure complete adherence of CPR regulations within Solutions Hub and strictly monitor all key regulatory guidelines to maintain a fully compliant environment and have a robust monitoring mechanism in place for TAT monitoring for all after sales services and ensure zero TAT breach. - Ensure all activities related to regulations and controls are executed and reported in timely manner
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11-Sep-2024
Officer - Customer Screening (UAE National only)
Dubai
Leading the team of analysts by motivating and providing task related guidance on daily basis; Monitoring the daily productivity of the team in general and each staff in particular; Ensuring that the standard operating process is duly followed by each staff processing name screening alerts; Ensuring all name screening streams are generating alerts in accordance with the data matching logic supplied; Maintaining daily productivity MI; Responsible for creating periodic reports for onward submission to Compliance management; Identifying and resolving issues by engaging technology teams and vendors on timely basis; Ensuring timely conclusion of all cases as prescribed in the standard operating procedure; Maintaining case related MI and timely execution of customer exits as a result of case investigation; Participating in providing training to the Business across the organization on customer name screening requirements; Participating in periodic system reviews, implementation of new system or redefining the controls in the existing ones; Participating in Policy and Procedures review from DD perspective; Conducting ‘Health Check Exercise’ on quarterly basis to ensure DDU operations in line with approved internal policies, processes and guidelines; Serving as a back-up to other staff assigned with equivalent roles.
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10-Sep-2024
Senior Officer - Telesales
Dubai
Full time
To source business from the potential customer through Tele calling from the preferred segment for the bank in order to achieve business targets. Key Responsibilities: - To sells retail products through Tele callings 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 and convince them about the benefits of the banks specified product; follow up leads and telephone/personnel contacts and cold calls. - 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 as well as Account Opening for Telesales Customers. - 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 - To Enlist new company and work to add it to Target Market List in DIB.
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10-Sep-2024
Senior Officer - Personal Finance Sales
Dubai
Full time
To source business for Personal Finance from the potential customers from the preferred segment for the bank in order to achieve business targets. Key Responsibilities - 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
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10-Sep-2024
Team Leader - Telesales
Dubai
Full time
To primarily be responsible for ensuring that the budgeted volumes for Personal Finance,Credit Cards,and Auto Finance achieved with the assistance of the Tele Sales Team members as well as to identify and capitalize on market opportunity for these assist products. Key Responsibilities: - To achieve set targets for Retail Products as new account relationships through Retail/Corporate/Cross Sale Channel by regularly tracking and reviewing performance of the sales team.. - To review and provide regular reports and market feedback to the management in order to facilitate decision making to improve the quality, performance and competitiveness of the bank’s product and services. - To acquire data for new acquisition for the Tele Sales team. - To maximize personal finance sales, credit card and Auto finance opportunities through Retail/Corporate/Cross Sell Channels. - To minimize potential loss of income to the division by ensuring that introductory business sources conform to the standards put in place from time to time. - To sight and verify original documents/ID and duly attest copies. - To ensure that the Tele Sales Representatives conform to local laws and comply with the rules and regulations of the Bank. - To ensure that all sales activates and documentation are in compliance to DIB SOP manual, regulatory and audit requirements and sharia principles. - To ensure high level of portfolio credit quality is maintain across the sales activities and maintain the quality of the business within acceptable limit, Minimum TAT and high level of customer service and manage the delinquency rate. - To introduce and ensure proper control measures are in place in order to reduce the incidences of fraud, forgery and misrepresentation of docs/kickbacks etc. - To ensure necessary training and development initiatives are taken across the sales team for better performance - To build effective team by motivating and guiding them in order to achieve the set targets.
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10-Sep-2024
Senior Sales Advisor - Personal Finance Sales
UAE
Full time
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
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10-Sep-2024
Team Leader - Cards SAM, Recovery
Dubai
Monitor and control bucket flow / recovery rates for the assigned portfolio to ensure that NPL portfolio is minimized. Ensure that daily, weekly and monthly team targets are met in order to meet overall collection numbers. Ensure efficient utilization of available time and resources through monitoring of officer’s calls to ensure maximum productivity for the Unit. Ensure update collection system with all follow-up details including customer’s new contacts. Display initiative by suggesting improvements to existing process and to save cost. Send dunning/warning letters to customers as per the collection policy for the assigned portfolio. Ensure proper documentation of Recovery Team related activities and updates into Collection System. Accurate and timely responses on any query related to any account under assigned portfolio to be provided to Branches, COD, CRM, Legal, GIA, HR, and Auditors. Timely assignment of eligible Recovery cases to agencies as per allocation strategy. Identification of Skip status to monitor skip portfolio performance. Ensure legal recourse and follow up on delinquent accounts where applicable. Negotiate/finalize restructuring/settlement agreements for large accounts to with a view to minimize banks losses. Be alert to early warning signals and report them to direct Supervisor immediately for further action. Ensure strict compliance with DIB policies and procedures and CB UAE regulations.
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