Job Purpose
The Senior Manager is responsible for leading, managing and controlling all operational activities related to Assets & Liabilities (Corporate/Retail) and to provide support to Specialised products and Islamic operations team to ensure efficient functioning of both the Units. The role ensures full adherence to regulatory framework, Bank’s internal policies and operational service standards. The incumbent ensures accurate and efficient processing, strong operational controls, effective risk management and high service quality. The role also supports the strategic objectives of the Assets & Liabilities (Corporate/Retail: Loan/finance and Deposit) business by ensuring operational readiness, system enhancement, overseeing quality assurance on contracts and continuous process improvement.
Key Accountabilities
Assets & Liabilities product Operations Management:
• Manage end-to-end operations for Assets & Liabilities unit.
• Ensure accurate processing, timely settlements and adherence to SOPs.
• Maintain effective controls and documentation.
• To carry out work across all transactional types up to AED 500 million.
Regulatory Compliance
• Ensure compliance with CBUAE regulations, internal policies, AML, risk frameworks and other regulation.
• Ensure timely and accurate regulatory reporting.
Risk and Control Management
• Implement risk controls, monitor incidents and maintain audit readiness.
• Conduct root cause analysis (RCA) for operational issues.
• Support the Business Continuity Recovery team
Process Improvement & System Enhancement
• Identify improvement opportunities and manage automation initiatives.
Collaborate with IT for User Acceptance Testing (UAT), system enhancements, and new product rollout
Team Leadership & Development
• Lead, train, and motivate Assets & Liabilities team.
• Ensure team compliance with policies and product guidelines.
• Provide support to the Bank’s objective of increasing Emiratisation levels by identifying and recommending positions that can be emiratised.
Stakeholder Engagement
• Serve as operational contact for business units, Shariah, compliance, IT and external parties.
• Ensure effective communication and issue resolution.
Other Accountabilities
Other Accountabilities
Job Context
The role operates within the framework of the Bank’s Assets & Liabilities product strategy, CBUAE regulations and competitive market dynamics. The Job holder must balance business growth, operational efficiency and strong control environments while ensuring strict regulatory compliance. The role requires coordination with multiple departments, timely decision-making and management of complex operational processes. The incumbent works in a highly regulated environment, requiring accuracy, prudence and strong governance.
Education
Experience and Skills
Education Level
Bachelor’s degree in finance, Accounting, Business Administration, or related field.
Master’s degree preferred.
Professional certifications advantageous: Certification in Banking and Finance.
Experience
10–13 years of banking experience, including minimum 5 years in banking operations covering one of the areas in Assets & Liabilities (Corporate/Retal).
Experience in UAE/GCC regulatory environment is mandatory.
Proven track record in operations management, process improvement and team leadership.