VP & Area Manager, Program Lending – POS Loans

FAB; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading financial institution in Dubai is seeking a VP & Area Manager, Program Lending – POS Loans. The ideal candidate should have extensive experience in SME lending in the UAE and demonstrate strong leadership capabilities. Responsibilities include sourcing new clients, managing a portfolio, and ensuring compliance with banking regulations. A university degree is preferred along with excellent communication and relationship-building skills. This full-time role offers a unique opportunity to impact the banking landscape in the region.

Qualifications

• 5-7 years of experience in Banking or in a Financial Industry at supervisory position.
• Experience managing SME sales team.
• Experience of working in SME – POS products in the UAE.

Responsibilities

• Source new customers and manage existing relationships.
• Analyze financial statements and prepare Credit Applications.
• Ensure adherence to banking regulations and KYC.

Skills

Leadership skills

Communication

Sales achievement

Relationship building

Commercial acumen

Education

University Degree / MBA / PGDM / Sales diploma or certification

Job description

VP & Area Manager, Program Lending – POS Loans

Job Description

Main responsibilities will include:

Sourcing New To Bank customers by identifying new leads or by using referrals from existing relationships.

Focus on actively promoting POS .

Maintain mutually beneficial relationship with existing customers and actively pursue cross sell opportunities.

Enhance customer satisfaction by providing quality services by responding to customer requests in a timely manner & reducing the turnaround time for processing the business requirements.

Will conduct clean up exercises on the portfolio.

Focus on increasing productivity and activity of the teams.

Prepare Credit Application (CA), analyze financial statements in accordance with the bank policy.

Maintain portfolio quality and ensure NPLs are under control by keeping a close watch on unsatisfactory account and proactively ensuring that customers drawdown get settled on time.

Assess the financial and business risks involved in lending to particular businesses, mainly by looking at the company's competitive position within its industry, its strategic direction, management quality, and financial profile.

Perform analysis to determine credit worthiness and recommend appropriate credit limits.

Will perform quarterly portfolio checks to ensure NPL’s are within check, and all the relevant documents are updated and filled.

Compliance / Operational activities:

Cooperate and facilitate work of internal audit and risk management to address gaps and respond to audit reports within agreed deadlines.

Monitor money laundering activities and coordinate remedial actions with management.

Ensure adherence to banking regulations and organization guidelines relating to customer acceptance, data protection, money laundering and KYC.

Whenever needed, contact customer service groups and processing units to ensure satisfactory service standards are met.

Responding to the relevant compliance and sanctions queries within the relevant time frame.

Will ensure there are no lapses on deferrals requested.

Will ensure complete and comprehensive KYC of accounts on‑boarded.

Will ensure up to date contact information is updated.

People Management:

Promote sharing of best practice within the team and support the identified training requirements for self and team.

Perform regular performance reviews of all staff and provide quality feedback on learning and development needs, whilst managing under performers.

Extend support and promote best practices.

Mentor/ coach peers and subordinates as needed

Responsibilities

The day-to-day responsibilities of the proposed role will include, but not limited to:

• Customer Insight and Market Research:Build a strong understanding of our Business Banking portfolio, BB Customers’ unmet needs, and use these insights to develop value proposition strategy. Conduct market research.
• Presentation preparation and development:Develop written and verbal communications to inform and align with key decision makers and demonstrate real business impacts

Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.

Authorized to take decisions as per the approved authorization matrix.

Qualifications

Experience

Experience of working in SME – POS products in the UAE.

Experience managing SME sales team.

Experience of managing SME POS loans portfolio in UAE market.

Knowledge

Strong understanding of financial and SME banking services and products.

Good understanding of market best practices and dynamics including demographic factors, competitor products and services.

Strong understanding and working knowledge of SME banking and related regulations.

Understands legal structures consistent with different type of businesses.

Skills & Behaviors

Demonstrable leadership skills with proven ability to motivate and inspire a team to achieve planned objectives.

Proven ability to communicate and influence at different levels and to a variety of audiences.

Proven achievement of meeting or exceeding sales targets.

Able to evaluate, analysis, draw conclusions and develop insightful recommendations and solutions.

Strong entrepreneurial / commercial / business acumen with an understanding of wider economic issues.

Proven ability to build and maintain strong customer relationships.

University Degree / MBA / PGDM / Sales diploma or certification preferable.

5-7 years of experience in Banking or in a Financial Industry at supervisory position

About Us

About Us:

First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top‑tier financial solutions to our clients.

Life at FAB:

Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to "Grow Stronger." We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world‑class organization

FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance‑based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.

Our Values:

At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.

Join our team and be part of a journey to shape the future of banking.

Job Info

• Job Identification 697
• Posting Date 01/12/2026, 12:42 PM
• Apply Before 12/31/2026, 12:00 AM
• Degree Level Bachelor's Degree
• Job Schedule Full time
• Locations First Abu Dhabi Bank (FAB) Al Qurm Business Park, Abu Dhabi, AE