Manager - Retail Credit

National Bank of Fujairah; Fujairah; Sur place; AED 335 000 - 603 000; Plein temps

Résumé du poste

National Bank of Fujairah seeks an experienced RCIT professional to manage the retrial credit portfolio from application to approval, coordinating with branches and the Priority Team to ensure timely decisions.

The role demands strong leadership, bilingual English/Arabic communication, and solid knowledge of retail products and banking regulations. A senior banking background with experience in MIS and compliance is required.

Qualifications

• 10+ years in banking experience, with at least 5 years in sales and service.
• Fluent in English and Arabic (written and spoken).
• Good knowledge of local banking regulations and retail products.
• Proficient in MS Office.

Responsabilités

• Assure immediate processing of all applications from branches/sales through RCAP.
• Manage retail assets portfolio and consolidate achievements to retail management.
• Prepare yearly/monthly/weekly/daily MIS reports related to retail portfolio.
• Respond to queries from branches, sales, and DST regarding retail products.
• Lead RCIT team activities, training, capacity planning, and compliance actions.
• Monitor productivity, ensure fair workload distribution, and drive process improvements.
• Coordinate internal/external training and ensure compliance with policies.

Connaissances

Leadership

Creativity

Bilingual English/Arabic

Communication skills

Formation

Graduate degree

Description du poste

To handle the entire job related to retrial credit till approval of the products by higher authority through RCAP.

Key Accountabilities

• Assure immediate processing of all applications received from the branches/sales through RCAP.
• Manage retail assets portfolio and consolidating the achievements to retail management.
• To prepare yearly /monthly / weekly and daily MIS reports related to retail portfolio
• Responding to queries raised by branches/Sales.

Ensure compliance with Risk, Compliance & Audit policies & procedures

• Achievement of the Well Managed KPIs as documented in the WMK Scorecard related to:
• Risk & Compliance training, Closure of high and medium risk IA items beyond agreed timelines, compliance towards the Bank's Risk & Compliance Policies, ORMF and Information Security policies within the

Service Quality

• To provide high quality service to branches, Priority team & DST.
• Responding to queries raised by branches/DST regarding retail products.
• Monitor & optimize productivity and efficiency in RCIT
• Keeping proper and equal distribution of all cases among the team.
• Innovation - Introduce at least one idea to improve process or reduce cost.

Other Accountabilities

Internal & External Training

• Organize training for RCIT staff based on training gaps identified, Minimum three trainings to be completed per staff per year.
• Retail credit eLearning, trainings and awareness sessions.
• Ensure IDP, & capacity plans are up-to-date.

MIS Goals

• Circulation of yearly /monthly / weekly and daily MIS reports related to retail product.
• Prepare RCIT capacity plan on yearly basis or as required.

Credit Goals

• To check and approve all retail assets and products within his authority as per the policies and procedures.
• Assure immediate processing of all applications received from the branches, Priority Team & DST
• Priority cases & VIP cases to be process first Policy & SOP
• All retail credit policies and SOP must be up to date

Branch Visit

• Branch visits to be done during the year to highlight any process change, understand issue which are facing by front line staff and take necessary action against the same.

CRM Objectives

• Create and maintain a compliance culture through maintenance of the Compliance Risk Management framework within the business.
• Coordinate and assist in regulatory and other audits, sample testing of compliance monitoring undertaken by the Compliance Representatives.
• Ensure timely completion of compliance management actions and timely submission of accurate compliance reports, including the execution of monitoring actions.

Business Continuity Plan (BCP)

• Responsible for ensuring proper Business Continuity Plan (BCP) is in place. All laid down processes in the plan are followed in case of a disaster situation.

Other Accountabilities

Job Context

To handle the entire job related to retrial credit portfolio till approval of the products by higher authority through RCAP.

Education

Graduate degree from a recognised university

Experience and Skills

Skills

• Leadership skills to lead and motivate RCIT Team.
• Creativity in terms of meeting with branches / sales / SME /Entire department.
• Excellent communication skills in Arabic & English (write, speak & read)

Work Experience

• Should have 10 years’ experience in Banking & minimum 5 years’ in a sales & service role.
• Ability to speak fluent English / Arabic
• Good knowledge of local banking regulations.
• Good knowledge of all retail products
• Should have basic PC skills (MS Office & spread sheet)

Credit Evaluation and Analysis -Credit -Proficient

Customer Focus-Proficient

Agility and Innovation-Proficient

Results Orientation-Proficient

Communication-Proficient

Verification and Structuring-Credit-Proficient

Accounting and Financial Analysis-Credit-Advanced

Credit Policies and Compliance-Credit-Proficient

Legal Knowledge-Credit-Basic

Recovery Strategy and Management- Credit-Basic