Unit Head - Credit Control Department
ADIB - Abu Dhabi Islamic Bank
Date: 3 weeks ago
City: Abu Dhabi
Contract type: Full time
Role: Unit Head - Credit Control Department
Location: Abu Dhabi
Role Purpose:
- Unit Manager’s role is broadly defined as the ultimate filter in the entire Credit Control end-to-end approval process, where the exposures undertaken by the Bank of its Corporate and Retail customers are being reviewed and scrutinized for its adequacy /correctness in terms of approvals, adherence to Credit policies laid down in the Credit and Product Manuals and compliance to documentation standards in a centralized environment.
- Manage Credit documentation and Limit Management functions whilst ensuring full adherence to stipulated terms and conditions.
- Engage in implementing strategic initiatives by Risk Management Group.
- Ensure that the Credit Control Department is supported by documented procedures (SOPs), skilled staff and adequate technological support.
- Provide direction and guidance to the staff for effective and efficient operations of the unit.
Key accountabilities of the role:
- Leadership and Supervision: Lead the credit control team, overseeing daily activities to ensure accurate execution of tasks and robust performance.
- Credit Documentation: Ensure that all credit documentation adheres to Sharia guidelines and is complete, accurate, and compliant with internal and external regulatory requirements.
- Limit Release and Monitoring: Oversee credit limits release processes, ensuring timely approvals and monitoring of credit limits and utilization.
- Compliance and Risk Management: Implement best practices to ensure compliance with Central Bank guidelines, Credit Policies and Islamic banking principles.
- Policy Development: Create, implement, and review credit control procedures to optimize efficiency and ensure alignment with organizational goals.
- Audit Coordination: Liaise with audit teams to promote transparency and address audit queries related to credit control department.
- Stakeholder Collaboration: Coordinate with internal departments, including Business, Credit Risk, Legal, and Sharia, to ensure seamless operations and adherence to credit approval and Islamic banking principles.
Specialist skills / technical knowledge required for this role:
- Bachelor’s degree in finance, Banking, Business Administration, or a related field.
- Deep understanding of Islamic banking principles, UAE banking regulations, and Sharia-compliant credit structures.
- Strong team management and leadership skills with the ability to motivate and develop staff.
- Exceptional analytical abilities to monitor credit performance and provide actionable insights.
- Excellent verbal and written communication skills to interact effectively with diverse stakeholders
Previous experience:
- 12 to 15 years of banking experience of which 7+ years of experience in a leadership role in the areas of Corporate Banking and Credit Operations, preferably within Islamic banking.
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