Associate - Unsecured Policy

Abu Dhabi Islamic Bank; United Arab Emirates; On-site; AED 70,000 - 110,000; Full time

Job summary

Abu Dhabi Islamic Bank is seeking a fresh UAE National graduate for an Associate role in Unsecured Policy, based in Sharjah. The position focuses on supporting the credit policy function and ensuring oversight across the credit cycle, from sourcing through collections.

You will work on policy updates, regulatory compliance, MIS analysis, and collaboration with IT for policy parameter development. Strong communication and finance knowledge are essential to succeed in this role.

Qualifications

• Fresh UAE National graduate.
• Bachelor’s degree required.
• Strong communication and finance knowledge.

Responsibilities

• Assist retail credit policy function and portfolio management.
• Oversee end-to-end credit cycle from sourcing to collections.
• Ensure compliance with local and internal regulations.
• Document policy decisions and communicate with relevant units.
• Coordinate policy updates and testing for product performance.

Skills

Communication skills

Finance knowledge

Fresh UAE National

Education

Bachelor’s degree

Job description

Role: Associate - Unsecured Policy

Location: Sharjah

This role is for fresh UAE National Graduates only.

Role purpose:

• Assisting retail credit policy function and portfolio to ensure process is being managed well.
• The job requires ensuring end-to-end oversight into the credit cycle from sourcing, credit approval to collections for maintaining a healthy portfolio.

Key Accountabilities of the role:

Responsibilities:

• Ensure Post Approval Review is conducted as per approved process and there are no breaches on local and internal regulations.
• Ensure Daily Disaster Report is reviewed and any breaches of local and internal regulations and highlighted.
• Ensure adherence and effective updates and tracking of policy changes and tests for product performance assessment. Maintain a lot of all policy changes.
• Ensure clear communication with all relevant units and documentation of all credit policy decisions.
• Ensure that approved delegation and deviation matrix are in place.
• Complete policy dept. RCSA in timely manner and ensure testing is performed for all policy functions in line with approved processes.
• Analyze MIS to ensure quality of the portfolio with regards to risk and validate appropriateness of credit policies, as well as to monitor impact of changes in credit policies.
• Ensure coordination with IT Team for developing policy parameters and logics for automation of different data reports.
• Perform other duties or responsibilities that are assigned by the management.
• Collection review for top delinquent accounts recently for recently booked applications and understanding drivers of delinquency
• Portfolio review- have basic knowledge of Portfolio mix, Expat vs UAE, TML vs NTML, Salary transfer vs non-Salary transfer and basic understanding of performance metrices.

Specialist skills / technical knowledge required for this role:

• Preferably some internships are not necessarily in Banking sector
• Minimum of Bachelor’s degree
• Communication skills and Finance academic background

Previous experience:

• Fresh UAE Nationals Graduates