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    Dubai Islamic Bank

    United Arab Emirates - Dubai
    Employer (Private Sector)
    500 Employees or more
    Web Site:
    Year Founded:


    Established in 1975, Dubai Islamic Bank is the first Islamic bank to have successfully implemented the Islamic system of banking in all its shades. Help and encouragement came in from everywhere such as the government, people and the central bank of UAE.

    The economic and business philosophy of Islam encourages generation and sharing of profits. However, it forbids giving or taking of interest. Dubai Islamic Bank is the first Islamic bank in the world to practically implement this concept. Leveraging the strengths of Islamic business and economic concepts on one hand and state-of-the-art banking technology on the other, we create partnerships with our customers to generate profits. These are then shared between us. A vast array of products has been created to suit every conceivable need of our valued customers.


    To be the most progressive Islamic Financial Institution in the World.


    To maintain and improve our position as the world’s leading Islamic bank through unsurpassed customer service, innovation, growth and consistent employee engagement.

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    To coordinate the credit approval process / chain and related credit Committees affairs (MCC – Management Credit Committee & BCIC – Board Credit & Investment Committee) in order to ensure smooth operations as well as to support the credit approval process. To assist in conducting an in-depth review and due diligence analysis of the Credit Proposals (CPs) received from Corporate Banking Division (CBD) & ensuring compliance to DIB credit policies /Shari’ah principles/regulatory laws of UAE etc. for review & approval by the relevant approving authorities within the Bank, thereby contributing to maintaining a sound credit portfolio, hence, minimizing losses & maximizing return on assets & shareholders’ equity as well as depositors’ funds. Reviewing the Credit Proposal(s) (CP) received from CBD in order to ensure completeness, accuracy & compliance to the DIB credit policies, approved business plan, Shari’ah principles & regulatory laws of UAE based on the guidelines in the Credit Policy Manual (CPM). Deviations, if any, to the existing regulatory laws/credit policies and guidelines to be clearly highlighted Assist the Unit Head in handling the queries/concerns on the CPs in coordination with CBD in a meeting or through a memo or an email and the same to be logged by CRM in the Tracking System so as to measure the turnaround time accurately for each step of approval process. Changes, if any, required in the structure, terms or size of the facilities should be discussed with CBD before submission of final recommendation to the approving authorities. Ensuring that all CPs for facilities received are presented to the relevant approving authority (as per Delegated Discretionary Authority document, “DDA”) in the formats prescribed for each type of request within the standard turnaround time OR within the SLA if agreed between stakeholders. Assist the Unit Head in reviewing appropriateness of the risk rating assigned to customers by CBD & ensure its correctness and compliance to the guidelines laid down in the Credit Risk Grading System Chapter #10 of the CPM and to validate the change in the risk rating by examining the accuracy of the information input by the RMs and finalizing the same by “Archiving” the rating on MRA. Monitoring industry/market conditions, changes in banking & regulatory laws through information from the media and reports circulated internally in DIB, to provide appropriate update and input to the Credit Committee, as and when required; To work as back up to other team members whenever required and to work for any other assignment given by the line manager related to development of the work process and enhancement of the work turnaround time. To coordinate with Sharia, legal dept., other stake holders etc. on issues related to facility structure, purpose, transaction etc. whenever required. In addition, to comply with the below listed administrative responsibilities, in order to facilitate the approval process; · Circulating proposals to Management Credit Committee. · Circulating proposals to Board credit committee. · Circulating proposals to Board Members. · Preparing files for Management Credit Committee & Board Investment and Credit Committee meetings. · Update Board-pad prior to meetings. · Prepare agenda sheet for Management Credit Committee & Board Investment and Credit Committee meetings. · Circulation of all credit proposals which are in agreement between Credit approval and business unit. · Circulation of Credit proposals and Memo for DIB-Pakistan, Investment department and other subsidiaries of Dubai Islamic Bank Assist unit head in below following activity on day to day basis and officiating during leave or training. All the above responsibilities includes, but not limited to any additional/new tasks or responsibilities assigned by Line Manager & Head of Department  
    Job Role: Accounting/Banking/Finance Company Industry: Banking Career Level: Mid Career
    Job Objective: To support the day to day operations of electronic banking channels and services Job Description: Support day to day operations & activities of Mobile Banking and SMS services Coordinate with internal users to determine the business needs for automation, evaluate business requirements and document the same Ensure proper system release processes is adopted & duly signed off by concerned stakeholders. Conduct user testing for ongoing e-Channel initiatives, prepare UAT plan & UAT scripts, validate UAT results and identify gaps, issues. Liaise with IT, internal & external stakeholders & vendors to resolve system deficiencies Work closely and follow up with internal service departments and external vendors on resolving customer complaints within stipulated TAT All the above accountabilities includes but not limited to any additional/new tasks or responsibilities assigned by the line Manager.
    Job Role: Customer Service Company Industry: Banking Career Level: Mid Career
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