Mashreq

Risk

• Design, maintain, and enhance the enterprise Risk Appetite Framework (RAF)
• Define risk appetite statements, metrics, thresholds, and key risk indicators (KRIs)
• Monitor risk exposures across portfolios and ensure alignment with approved risk appetite
• Provide insights on trends, emerging risks, and potential breaches
• Leverage data to develop dashboards, reports, and forward-looking risk indicators
• Drive data quality, consistency, and governance for risk metrics
• Collaborate with business units, risk teams, and senior leadership
• Present risk insights and appetite performance to senior management and committees
• Ensure adherence to regulatory guidelines and internal policies
• Support audits, regulatory reviews, and internal risk assessments
• Enhance frameworks using industry best practices and analytics-driven approaches
• Drive automation and efficiency in risk reporting processes

Senior Manager – Risk Appetite, Risk Management – ERM

• Drive enterprise-wide risk data and infrastructure strategy
• Oversee development of centralized data frameworks
• Lead transformation initiatives to automate data processes
• Enhance data quality and build scalable data marts
• Partner with Risk, IT, and Analytics teams to deliver accurate data
• Manage stakeholders, vendors, and cross-functional teams

VP - Risk Infrastructure & Data Management, Risk Management - ERM

Account Manager

• Manage a set of existing Platform/Neobiz relationships through outbound calling channels.
• To achieve assigned financial and non-financial target by calling the customers.
• Manage all customers focusing on relationship Management & up-selling/ deep-selling/ cross selling other bank products.
• customer's needs & profiling.
• Responsible for quality & soundness of assigned Platform/Neobiz (KYC reviews, monitoring for due diligence, anti-money laundering procedures etc).
• Conduct conference calls with product advisors with high potential clients.
• Update team manager and area manager on regular / weekly for better controls on sales and relationship management.

Senior Virtual Relationship Manager – Business Banking, VRM SME

Compliance

• Monitor & Control of Reconciliation and all control activities and fulfill regulatory requirements of the bank and regulatory authorities.
• Handling and monitoring Fircosoft/UAEFTS System and total control of Referrals /Release of the messages.
• Process all transactions with agreed TAT with zero error and as per bank policy and guidelines.
• Ensuring completion of daily control and functional checklist (DCFC) activity without fail.

Team Leader – OPS, Regulatory and Compliance

Operations

• Leading the Development and Execution of operational efficiency initiatives that are horizontal and cutting across all Units within Group Operations
• Spearheading cross-functional projects aimed at improving operational efficiency
• Collaborating with departmental heads to identify optimization opportunities
• Implementing operational management systems and tools to streamline processes
• Identifying and implementing best practices for process improvements
• Driving change management efforts to ensure smooth transitions to adoption of new processes
• Developing and monitoring performance metrics to measure the success of efficiency initiatives
• Reporting on key performance indicators, trends, and improvement opportunities for senior management
• Fostering strong relationships with key stakeholders to ensure alignment and support for initiatives
• Establishing key performance indicators (KPIs) and metrics to measure the success of operational excellence initiatives
• Engaging with employees to foster a culture of continuous improvement
• Providing training and support to enhance employees' skills in operational excellence
• Conducting regular reviews and updates to ensure initiatives remain relevant and effective

AVP, Operations Excellence – Efficiency Initiatives

Manager

• Oversee production support, managing a team to deliver efficient and reliable digital platform and Velocity application performance.
• Collaborate with development teams, implementing best practices, and driving continuous improvement.
• Ensure timely resolution of production issues, prioritizing and managing resources effectively.
• Implement robust monitoring systems for proactive issue detection and efficient resolution.
• Document and communicate system changes, keeping stakeholders informed and aligned.
• Conduct regular performance reviews, providing constructive feedback for team development.

Manager – EDMS & BPM Support, Velocity Support

• Maintain portfolio quality by ensuring timely update of KYC, TL & all other aspects of governance
• Achieve assigned non-financial target by emailing and calling the customers
• Adhere to KYC/ AML and relevant product SOPs to safeguard the bank from potential loss / AML fraud & ensure ethical behavior

Senior Virtual Relationship Manager – Business Banking, VRM, Retail Banking

• Manage assigned corporate relationships and act as key point of contact for clients
• Assist in development and execution client-specific relationship strategies and account plans
• Assist in driving cross-sell of banking products in coordination with product partners
• Conduct financial analysis, risk assessment, and preparation of Credit Proposals (CPs)
• Coordinate with Wholesale Risk / Credit / Compliance to resolve queries
• Monitor portfolio quality, risk ratings, and early warning signals
• Ensure timely submission of annual reviews, renewals, and amendments
• Ensure accurate and updated client data in systems (e.g., CreditLens / ELCM)
• Track financials, covenant compliance, and facility utilization

Credit Relationship Manager – Energy, Corporate & Investment Banking

QA Engineer

• Engage directly with business stakeholders to draw out requirements
• Design test strategies and build automation where it makes sense
• Validating data accuracy and making the final quality call before anything goes live
• Define the overall test approach and decide what gets tested manually or automatically
• Build and maintain automation frameworks for effective testing
• Validate the accuracy of data pipelines and financial reports
• Triaging defects, identifying root causes, and working with development teams to fix issues
• Maintain quality gates and checklists to catch recurring problems before testing
• Ensure traceability of testing work back to business requirements
• Produce quality evidence required for regulatory change and internal controls
• Track quality metrics and drive practical improvements

Manager – QA, BA, Corporate Affairs

• Responsible for lending/financing Policies / Framework for specific products in UAE.
• Author and manage the credit criteria and Risk Asset Acceptance Criteria for specific products.
• Responsible for portfolio quality and portfolio management strategy by defining retail credit policy / lending / financing parameters.
• Responsible for the retail bank’s strategy on ‘Risk’ & ‘Growth’ areas through appropriate retail credit policy actions.
• Update and maintain Retail Credit Policy Manual which is the framework for the individual Product programs.
• Ensure all retail credit policies are aligned with the strategies’ orientation and target segment that the bank wants to grow.
• Ensure product programs in UAE for the products are aligned and standardized and are within the retail banking lending framework.
• Comprehensive review of the portfolios in UAE on an ongoing basis.
• Provide inputs on all strategic initiatives from retail risk perspective – portfolio, acquisitions, retail credit portfolio management, central bank regulation, provisioning norms for retail portfolios.
• Compliance with Central bank Regulations pertaining to retail risk – impact analysis and implementation.
• Actively work with business, risk, legal departments amongst others in developing portfolio strategy with respect opportunities and threats, risks and rewards and portfolio mix based on portfolio segmentation and performance as well as economic, market and competitive intelligence to grow the portfolio profitability, to focus on risk adjusted returns and economic profitability while keeping credit risk under control.
• Maintain predictability of portfolio performance through regular risk charge monitoring. Also, ensure the achievement of risk charge numbers on an ongoing basis by ensuring that they are within plan.
• Drive automation of policies and processes by working together with underwriting team and other relevant stakeholders.
• Review and recommend to senior managers all new product launches and any significant changes to existing policies.

Senior Manager, Retail Credit Policy

Financial Planning and Analysis

• Drive Overall Financial Performance – drive the overall financial performance of your FI Trade products by launching products and initiatives to grow volumes and trade assets whilst establishing strategies to optimise fee pricing, Net Interest Margins (NIMs), return on capital, and lower processing costs by working with Technology and Operations to streamline and digitise processes
• Understand the Market – understand the market landscape for your products by constantly scanning the market for regulatory developments, trends, drivers, client needs and competitor offerings (including fintechs and alternative providers) through market analysis, feedback from Sales, direct client interaction, participation in industry bodies and associations, interaction with colleagues at other banks, discussions with Compliance and regulators, industry research papers, and feedback from voice of the client surveys
• Develop the Product Strategy – develop a comprehensive strategy for FI products by clearly defining the market landscape and drivers, core product proposition, target market and client segments, addressable market size, projected share of wallet and associated volumes/revenues, competitor capability assessment, product development roadmap, and commercialisation strategy
• Drive Product Innovation – identify opportunities to develop new products or enhance existing products based on market/sales feedback, client needs and/or regulatory changes. Build a pipeline of potential product developments by advancing and testing concepts with key stakeholders, prioritizing developments based on a sound commercial assessment of each opportunity, preparing formal investment plans, and seeking internal approvals
• Support Product Development – work with Product Development to deliver new products or enhancements by participating in the working level project team as the Subject Matter Expert for your products. Clearly defining the scope of each product build/enhancement by preparing a comprehensive Business Requirements Document and providing regular and real-time feedback on any product impacts from the systems development and testing as it progresses for each product. Participate in the development of test cases, standard operating procedures and the product implementation guide supporting delivery of the product to market
• Commercialise Offering – develop and execute a comprehensive ‘Go to Market’ plan for each core product including a market rollout plan, revenue/volume targets, client target market and prospect lists, core marketing/sales materials, and product training for Sales and Coverage teams. Track and monitor execution against specific calling targets and pipeline, participate in joint calls on clients to propagate product knowledge, support solutions for key deals, and directly engage with teams who are not meeting product targets to agree remedial actions and/or remove roadblocks
• Seek out Partnerships and New Channels – identify third party service providers, fintechs, digital platforms, ecosystems and emerging channels that are either supporting or driving volumes in your products or could act as a future source of new business or competitive advantage through bundling of capabilities. Evaluate commercial models and prospects of partnering, investing, or buying in capabilities and present investment or partnering opportunities to GTB Management. Establish partnerships for approved projects including commercial terms and service levels and manage ongoing performance
• Optimise Product Performance – constantly look for opportunities to improve the client experience and performance of your products by engaging with Coverage, GTB FI Sales, Operations, Service, Technology, Risk, Legal and Compliance to deliver continuous improvement in all aspects of product performance. Work with partners to digitise delivery channels and automate processes wherever possible. Regularly review pricing strategies and market positioning to maximise financial and volume performance as well as product cross-sell opportunities. Identify opportunities to refresh the product strategy, enhance products or focus more attention or resources on underperforming products. Retire products that have limited revenues and growth opportunity. Monitor revenues, costs, volumes, pricing, turnaround times and efficiency to ensure your products are performing as expected and take remedial action to address underperformance. Engage in industry advocacy and submissions to improve the regulatory and legal framework including scheme rules where this can improve the effectiveness, market demand or operational delivery of products in the market
• Adhere to Product Governance & Compliance – own the updating and review of the Product Program Guidelines (PPG) and country addenda based on a comprehensive understanding of the inherent risks associated with your products and the legal, regulatory, compliance, tax, credit risk and other relevant frameworks and internal policies governing your products. Regularly engage key stakeholders to understand the impact of these areas on your products including changes on the regulatory horizon and pro-actively manage the development and delivery of your products to ensure alignment with the Bank’s policies, guidelines, risk management processes and risk appetite.

Trade Product Manager – Financial Institutions

Artificial Intelligence

• Lead advanced analytics using SQL, SAS, Python, and AI/Gen AI techniques to detect emerging fraud patterns.
• Conduct in depth evaluations of VRM/FraudGuard rules; recommend enhancements to improve detection accuracy and reduce false positives.
• Develop analytical models, scenario analyses, and predictive approaches to strengthen fraud surveillance.
• Champion the integration of AI/Gen AI tools in fraud detection workflows.
• Oversee productivity, SLA adherence, and performance analytics of fraud detection teams across Issuing and Acquiring.
• Conduct root cause and gap analysis to highlight inefficiencies and recommend actionable improvements.
• Develop performance dashboards and scorecards using Power BI and Excel.
• Ensure timely, accurate, and automated MIS for senior leadership, committees, regulators, and other stakeholders.
• Deliver comprehensive, data driven presentations with clear and structured analytical insights.
• Maintain high quality governance standards in data reporting and visualization.
• Lead automation of manual data processes through SQL scripts, macros, workflows, and BI tools.
• Maintain secure, scalable fraud databases and ensure data governance and integrity.
• Introduce AI/Gen AI automation capabilities to enhance efficiency, accuracy, and processing speed.
• Collaborate with IT, Business, Product, Compliance, and Operations for fraud-related initiatives and system enhancements.
• Provide analytical support, project insights, and business cases to senior management.
• Support strategic planning, forecasting, and committee reporting through strong analytical and presentation capabilities.

Senior Manager – Analytics, AI Driven Strategy

• Strategizing, developing, and implementing Data Protection Controls globally
• Ensuring compliance with policies & frameworks
• Leading Data Protection initiatives and monitoring information security assets

Senior Manager – Data Protection

• Identify key social issues that align with the organization's mission and values.
• Develop innovative and effective social impact programs to address these identified needs.
• Manage all aspects of program implementation, from planning and budgeting to execution and evaluation.
• Collaborate with internal teams and external partners to ensure successful program delivery.
• Ensure programs adhere to ethical standards and comply with relevant regulations.
• Establish and maintain strong governance for social impact initiatives (clear approvals, documentation, and audit trail across grants/donations, sponsorships, and partnerships).
• Coordinate partner onboarding and ongoing monitoring (including reputational risk screening, conflict-of-interest checks, and safeguarding considerations) in collaboration with relevant internal functions.
• Develop program toolkits (implementation plans, partner reporting templates, evidence requirements, and communications guidelines) to standardize delivery across geographies/teams.
• Build and maintain strong relationships with community-based organizations, non-profits, and other stakeholders.
• Represent the organization at community events and meetings.
• Identify and engage potential partners for collaborative social impact initiatives.
• Foster a culture of community engagement within the organization.
• Manage grant programs (if applicable), including the application, review, and award process.
• Design and manage employee volunteering initiatives (partner identification, annual calendar, participation tracking, and impact reporting).
• Ability to independently prioritize workload in dynamic settings, balancing short-term demands with long-term strategic objectives.
• Experience supporting and contributing to strategic social priorities, including initiatives related to ESG, sustainability, community impact, or corporate social responsibility.
• Strong collaboration skills with a track record of working across cross-functional teams to advance social impact and strategic transformation agendas.
• Lead and coordinate end-to-end award submission processes, including content/submission development, stakeholder alignment, documentation collation, and timely submission, ensuring high-quality and compliant entries aligned with evaluation criteria.
• Establish a structured partnership management approach (partner scorecards, performance reviews, renewal decisions, and lessons learned).
• Develop metrics and indicators to measure the effectiveness of social impact programs.
• Collect, analyze, and interpret data to assess program outcomes and impact.
• Prepare reports and presentations to communicate program results to internal and external stakeholders.
• Use data and insights to inform program improvements and future strategies.
• Continuously evaluate program performance and recommend adjustments as necessary.
• Build and maintain a structured impact measurement framework (inputs → outputs → outcomes), including baselines, targets, and periodic KPI dashboards.
• Ensure evidence and documentation are “assurance-ready” (standardized partner reporting, validation checks, and secure storage of supporting proof).
• Translate impact data into clear insights and narratives for leadership updates, external disclosures, and program enhancement decisions.
• Contribute to the development of the organization's social impact strategy.
• Ensure social impact programs align with overall business goals and objectives.
• Research and analyze social trends and best practices to inform strategic decision-making.
• Develop annual work plans, budgets, and forecasts for social impact programs.
• Maintain a clear annual delivery roadmap for initiatives (themes, flagship programs, partnerships, volunteering), including milestones, dependencies, and resourcing needs.
• Coordinate with internal stakeholders to embed social KPIs into broader ESG/CSR reporting requirements where applicable.
• Support development of business cases for new initiatives, including expected outcomes, partner models, governance, and budget requirements.
• Communicate the organization's social impact work through various channels, including presentations, reports, website content, and social media.
• Develop content and messaging to raise awareness of the organization’s social impact work.
• Advocate for social change and promote the organization’s commitment to social responsibility.
• Build internal awareness for company mission and impact programs.
• Ensure communications are accurate, respectful, and compliant (consent for beneficiary stories/images, substantiated claims, and aligned approvals).
• Produce executive-ready updates (monthly/quarterly) highlighting progress, outcomes, risks, and planned mitigations.
• Coordinate impact storytelling and recognition (internal showcases, partner communications, awards submissions) to strengthen engagement and credibility.

Senior Manager, Social Impact

• Develop and maintain awareness of regulations, standards, and guidance issued by the Central Bank of the UAE (CBUAE).
• Assist in interpreting regulatory requirements and communicating them very clearly to relevant units within the Bank.
• Support the delivery of regulatory training and awareness initiatives to promote understanding of applicable requirements.
• Maintain good knowledge of CBUAE regulations, standards, circulars, and relevant federal laws and directives.
• Provide support in offering regulatory guidance and clarifications to business units and support functions.
• Support the preparation and delivery of presentations on newly issued regulations and standards.
• Assist in assessing financial services activities to determine applicability of regulatory requirements.
• Support the execution and tracking of regulatory gap assessments, ensuring updates are maintained accurately.
• Identify and document differences between existing and new or updated regulations.
• Prepare summaries and basic comparative analyses of regulatory requirements for internal use.
• Assist in the dissemination of regulatory notices, circulars, and guidance to stakeholders.
• Support tracking of regulatory obligations to ensure requirements are not missed.
• Monitor progress of assigned regulatory compliance actions and escalate issues when necessary.
• Support the preparation and submission of regulatory reports (regular and ad hoc).
• Coordinate with stakeholders to gather inputs required for regulatory submissions.
• Assist in reviewing regulatory correspondence for accuracy and consistency.
• Support the maintenance and update of Regulatory Compliance policies and procedures.
• Assist in delivering regulatory training and awareness sessions.
• Provide day-to-day support to team members on regulatory matters when required.
• Assist in preparing management reports and MIS related to regulatory compliance activities.
• Support documentation of key regulatory developments and themes for internal reporting.
• Prepare summaries of CBUAE outreach sessions and meetings for internal circulation.
• Assist in Business Impact Analysis (BIA) and Business Continuity Planning (BCP) activities.