Operations Officer - Retail Finance

ADIB - Abu Dhabi Islamic Bank


Date: 2 hours ago
City: Abu Dhabi
Contract type: Full time


Role : Operations Officer - Retail Finance
 Location : Abu Dhabi

Role Purpose:

 Training and Managing offshore/Onshore Operations in processing of account transactions, financing payments, financing account maintenance in accordance with agreed time standards, authorities and operational policies to a satisfaction level that will assist in achieving the overall division mission of operational excellence.

Key Accountabilities of the role



  • Monitor and Analyse the Daily, Monthly and yearly volume of services financial and non-financial process.
  • Report Monthly services queue to the management and ensure SLA and TAT met.
  • Analyse KPI, KRI and validate the onshore and offshore team performance.
  • Analyse Time and motion report monthly and take necessary decision on staff utilization and cap plan.
  • Identify process which can be automated and share the required Business requirement with vendor/developer to bring operational benefit to the bank & its internal/external stakeholders.
  • Re-engineer the existing process effectively to bring additional control, reduce the risk.. etc. in the process and enhance the customer experience.
  • Monitor and validate the Rejection volume/reasons and discuss with stakeholders to reduce to reduce the RTS.
  • Review and monitor different control reports regularly and take a proper action wherever required (e.g., Postponement, Online Posting, Batch Posting, Audit Trial Report etc.)
  • Assessment of risk & controls to each process, raising incidents in case of any operational loses/near miss.
  • Update Standard operation’s procedure whenever there is change in the process and renew them before due date.
  • Monitor Reconciliation Report and ensure corrective action are taken on outstanding items. Escalate any long outstanding items.
  • Frequent review of QA Report
  • Conduct Weekly Team meeting and review the process, highlight any issues etc.
  • Maintain proper MIS
  • Train the offshore/onshore employees in any new/change in the process.
  • Undertake training programs to improve knowledge to enhance role performance & to enhance job knowledge for trainees under the Emiratization program.
  • Maintain proper time standards, good team spirit and service standards.
  • Ensure compliance to ADIB policies, procedures, guidelines, and standards (including SOP review & addendum preparation (if required).
  • Undertake any additional assignments clean-up / projects entrusted by the line management and complete them as per requirement.
  • Protect ADIB information & password to avoid any operational loss due to lapses or lack of controls.
  • Report any system issues/Phishing to ITD properly on time.
  • Ensure high quality process outcome in terms of document verification and approvals.


Specialist Skills / Technical Knowledge Required for this role:



  • Very good knowledge of Branch operations and Banking Operations.
  • Good leadership skills & Team player
  • Self-motivated
  • Able to multitask, prioritize and work under pressure
  • Commercial Effectiveness Including Client /Customer Focus and Commerciality
  • Control Environment Including Risk Management
  • Business Skills Including Deliver Solutions and Decision Making
  • Management & Leadership Including People Development
  • Personal & Interpersonal Skills: Including Communication & Influence and Collaboration
  • Abilities in ensuring Regulatory Compliance Standards are met across the Dept/units
  • Strong analytical /financial analysis skills
  • Project Management Skills
  • Knowledge of the bank’s products, services, policies and procedures and/or other specialist knowledge required to undertake the role

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