Manager Operations – Credit Administration

Job Description

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs. Emirates NBD is the leading financial services brand in the UAE with a Brand value of USD 3.89 billion.

At the bank, we serve our customers and help them realize their financial objectives through a range of banking products and services including retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations.

We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region.

What You Will Be Doing

The key role of the job holder is to approve credit limits, interest rates and other parameters of credit facilities in the systems (Finacle / ERS) as per the approvals held for corporate clients. Ensure that all assigned transactions are carried out are within the agreed TAT and the approved SLA. To prepare & assist the compilation of MIS respective stakeholders, INA responses and any other projects. To participate in on-going and new projects assigned by the senior manager / HCRAD and assist the team to ensure completion as per the agreed timelines.

Operational Processes

• Ensure that transactions are approved in line with CRAD Framework with 100% accuracy.
• Ensure accurateness in key internal and external reporting — Other MISs
• Due diligence in executing /preparing/approving of transactions and error rate must be less than 1%.

Operational Compliance

• Ensure all audit issues are addressed in a timely manner.
• Ensure that transactions are carried out in line with CRAD Framework and ongoing recommendations made by management.
• Assist CRAD in achieving satisfactory audit rating.
• Understand and guide the team to adhere to policies, procedures and guidelines ongoing basis.
• Compliance with Circulars / CRAD framework/ PFD. Avoid adverse audit observations.
• Ensure daily activities of the unit are closed/actioned before COB

Customer Service

• Ensure that the TAT’s for the unit are as per agreed SLA with BUs & timely appropriate response to ensure BU queries / complaints / reports / queries from GCD/ reduce disruptive transactions.
• Responses to BUs to be in line with queries raised and with 100% accuracy.
• TAT’s adherence will be assessed by CSAT scores

Initiative Projects

• Ensure proactive lead and participation in UAT/ implementation of all projects assigned within the agreed timelines.
• Assist and implement CRAD project portfolio & process improvement initiatives.
• Provide at least 2 process related initiatives which can be implemented in the department to improve the process & the quality of the activities carried out by the unit.
• Provide at least 2 Control related initiatives to reduce the errors highlighted during the current QA/INA.
• Implement Automation of reports and tracking mechanism for the manual activities at CRAD

Employee Self

• Develop technical & soft skills of self-attending both with L&D for both internal & external programs.
• Continuous updation of process / procedures in vogue from time to time & measuring up the training needs in line with the Training Schedule. Ensure completion of all mandatory training within timelines.
• To update awareness of the procedure and significance of the tasks assigned through knowledge of CRAD Framework, PFDs and operational related manuals.
• Accept responsibility for self, team and customer relationships and see it through to the end.
• Lead & evaluate staff to ensure high level of productivity & to develop individual capabilities

What We are Looking for

• 3 -5 years in the Banking /Finance industry preferably in Corporate.
• Local experience of Laws governing the Banking Industries
• Knowledge of corporate products, MIS, computer literacy & any corporate banking system
• Ability to read and comprehend banking terms.
• Team player and flexible in approach
• Initiative oriented thinking to achieve self-development and growth.

What We Offer You

• Competitive salary package.
• Strong emphasis on work-life balance and employee wellbeing.
• Access to world-class Learning & Development platforms for career growth.
• Generous annual leave and comprehensive Private Healthcare coverage.
• Preferential banking facilities for employees.

Why Join Us

At Emirates NBD Services, we aim to be the employer of choice by helping you unlock your true potential through the right opportunities. We are reimagining the future of work to ensure every employee thrives in an environment that promotes growth, upskilling, and the development of digital skills. Our goal is to empower our employees to build meaningful careers with experiences that shape their future and contribute to Emirates NBD’s success. Regardless of your background, location, or preferences, we want every employee to feel connected and engaged as part of the Emirates NBD services team.