Unit Manager Installments & ABF, Islamic SME Business

Job description / Role

- The primary objective of this role is to consolidate all asset and liability coverage from Business Finance & ABF (ME/PE/CML) relationships. Manage a team to generate revenue through developing strong relationships with top/acceptable SMEs in Abu Dhabi / Dubai & NE for the ultimate purpose of maximizing Bank profitability in the given market segment and assigned territory.
- The job holder will direct all efforts towards achieving required performance goals and providing added value service to customers within the general guidelines of the divisions business plan.
- He / she will consistently work towards realizing profitable business transactions and capitalizing on new areas of business opportunity whilst setting direction and providing support to the team, within the acceptable risk limits.
- Closely work with the Business Support Teams to accomplish the Islamic Bankings long-term goals.
- To lead and manage business risks within the assigned segment, ensuring, proper risk mitigation, perform necessary analysis, quality proposals as per the bank approved parameters and policies under SME Business.

Main Tasks and Responsibilities
- To manage profit and loss budget of the assigned business.
- To spearhead Islamic SME Assets and Liability book as agreed through yearly targets / objectives.
- To be responsible for managing sales teams.
- Develop staff through on-job-training and coaching and manage their performance to ensure required results.
- Implement Islamic SME strategies and coverage plan to achieve targeted economic profit of business.
- Continuous improvement of cross sell and up sell ratio
- Work closely with various internal stakeholders so as to execute a compelling value proposition including effective customer acquisition and retention strategies
- Work with other teams to grow business franchise (introduction of new clients and business opportunities)
- Assist Islamic Banking Senior Management in planning and achieving the Groups budget numbers
- To be responsible for audit and portfolio quality.
- Set sales targets for the sales force in coordination with Head of Islamic SME Business and monitor their achievement to ensure that budgeted sales targets are met.

Main Tasks
- Manage the team by assigning targets, monitor performance, assist in achieving targets and overall motivation.
- Manage / grow liability and asset base as per assigned targets.
- Business Planning & Analysis on new target markets / business sectors/Risk management
- Participation in the development/review of new products and changes to existing products and policies
- Collaborate with product partners & other divisions (Treasury / Consumer Banking) to improve cross sell and enhance overall profitability of the Bank.
- Coordinate with Risk Management / Credit Division for their support on Credit and documentation process.
- Staff management training and development of staff.
- Track and present performance report to the senior management.
- Coordinate with the IAD and ensure satisfactory Audit for the region.

Position Metrics
- Acquisition and Coverage management
- Efficiency
- Domain expertise
- Problem solving
- Accessibility.
- Integrity & Respect
- Amount of business / revenue generated as per agreed budgets for the business.

Requirements

- Bachelors Degree in a relevant subject (business, accounting & finance)

Professional Qualification
- Masters degree in relevant subjects or Diploma in Banking is preferred.
- Minimum 10 years experience of SME / Mid-Corporate Banking (preferably last assignment in Islamic banking in the United Arab Emirates).

Experience
- Successful track record in Asset management
- Strong management / leadership capabilities
- Appropriate risk awareness and sound credit understanding
- Team player inspires and encourages excellent performance in others to achieve common goals
- Sound analytical, negotiation, decision-making, influencing and problem-solving skills
- Excellent research /investigative & interpersonal skills
- Sound knowledge of the local SME market
- People management experience including sizable teams

Other Skills / Attributes
- Islamic Product / Structure knowledge (preferred)
- Coaching skills
- meeting facilitation skills
- Portfolio management skills
- Strong communication skills
- Client focused
- Action/ results oriented
- People assessment skills

About the Company

ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate and currency derivatives, Islamic products, project finance, and property management services.