Consultant - Model Audit

Bayut & dubizzle have the unique distinction of being iconic, homegrown brands with a strong presence across the seven emirates in the UAE. Connecting millions of users across the country, we are committed to delivering the best online search experience. As part of Dubizzle Group, we are alongside some of the strongest classified brands in the market. With a collective strength of 5 brands, we have more than 123 million monthly users that trust in our dedication to providing them with the best platform for their needs. As a high performing Finance Manager, you are expected to showcase skills in commercial awareness, communication, reporting, and analysis. The successful candidate will be responsible for consolidating, reporting and analysing of all areas across our UAE entities. You will own the Management Reporting function, delivering accurate and relevant information in line with deadlines set out by the business.  You will work with both financial and non-financial teams to understand our businesses, provide insight and drive improvements.  You will drive efficiencies and automations in the work that you do, building dashboards to support insights. You must be a qualified accountant, being able to understand transactions to analyse and review. At Bayut | Dubizzle we work in a fast paced, energetic environment. The right candidate will bring fresh ideas, be adaptable to change and have a positive attitude. In this role, you will: Consolidation of our UAE entities’ monthly results. Perform independent P&L reviews, challenging the status quo and flagging issues early. Ownership and preparation of the Management Report, which is reported to the CFO and CEO on a monthly basis. Calculating the region’s Free Cash Flow position, staying up to date with any changes implemented by the Group team. Analysing and challenging allocations sent to the entities within your scope. Performing independent analysis to provide insights to higher management. Drive automation to improve efficiency and reduce manual errors. Working with other teams, both within and external to Finance, to understand changes and drive improvements. Getting hands on across Finance teams to identify gaps and help to bridge these, both in terms of processes and informational. All other tasks that support the wider Finance function, in line with business needs Requirements ACA, ACCA, CPA qualification (or equivalent)  Bachelor’s degree in Accounting, Finance or another related field  8+ years previous experience in a similar industry and role FP&A / Analysis experience Experience working as an Accountant Being commercially aware; able to translate finance jargon into business specific explanations for non-finance users. Understanding the opportunities of automation, driving these projects through to completion Detailed knowledge of accounting software applications. Modelling skills Advanced MS Excel skills. High attention to detail and excellent analytical skills. Ability to operate effectively with stakeholders at all levels of the business. Organizational skills. Strong written and verbal communication skills. Ability to work under pressure in a fast-paced environment. Ability to adapt to changing priorities, grasp new and complex processes quickly, solve problems on your own, and develop value add solutions. Demonstrable ability to work to tight deadlines on critical projects. Proactive and result driven. A strong desire to exceed expectations. Benefits A fast paced, high performing team. Multicultural environment with over 50 different nationalities Competitive Tax-free Salary Comprehensive Health Insurance Annual Air Ticket Allowance Employee discounts at multiple vendors across the emirates Rewards & Recognitions Learning & Development Bayut & dubizzle is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. #UAEBayut

About Us Trade is the lifeblood of the global economy, creating opportunities and improving the quality of life for people around the world. DP World exists to make the world’s trade flow better, changing what’s possible for the customers and communities we serve globally. With a dedicated, diverse and professional team of more than 115,000 employees from 160 nationalities, spanning 78 countries on six continents, DP World is pushing trade further and faster towards a seamless supply chain that’s fit for the future. We’re rapidly transforming and integrating our businesses -- Ports and Terminals, Marine Services, Logistics and Technology – and uniting our global infrastructure with local expertise to create stronger, more efficient end-to-end supply chain solutions that can change the way the world trades. What's more, we're reshaping the future by investing in innovation. From intelligent delivery systems to automated warehouse stacking, we’re at the cutting edge of disruptive technology, pushing the sector towards better ways to trade, minimizing disruptions from the factory floor to the customer’s door. DP World is on a mission to transcend boundaries and bridge the gap between all nations and cultures – not just in what we do but also in how we behave. We are dedicated to creating a culture where everyone feels respected, supported, and empowered to reach their full potential. We believe that embracing inclusion and diversity, drives innovation and growth and helps us connect people, businesses, and societies. Free minds and different perspectives are changing our world, and together we can change what’s possible. WE MAKE TRADE FLOW TO CHANGE WHAT'S POSSIBLE FOR EVERYONE. Job Description 1. Direct and develop the overall strategy of the lease and License function of the company and its alignment to the overall business strategies. And enhance the customer satisfaction with simplification of processes and rapid execution. 2. Perform as an approval authority in the lease and license transactions in order to ensure that they are processed in line with the relevant delegation of authority. And act on behalf of the Registrar of the Authority. 3. Maintains the financial performance of the business by continuously monitoring the resources allocation and achieving the approved budgeted targets. 4. Manages the effective achievement of departmental accountabilities through the achievement of its targets and objectives as per its alignment to the organization’s objectives; plans execution, reporting standards and lead/manage/execute the planning, development and implementation of overall plans and programs in accordance with the department strategy. 5. To mitigate company risk through due diligence, constant vigilant assessments, and audits of each Leasing & Licensing transactions. Ensures full governance and licensing compliance with the UAE Federal Law, company policy & procedure and industry standards. 6. Direct, motivate and develop the team to attain excellence in the performance of service delivery that impacts profitability to the organization. 7. Act as the top advisor/subject matter expert of the function in order to provide with solutions and recommendations for sound business decisions. 8. Handles the highest level (complexity) of cases and situations and ensures solution and settlement are achieved in the most possible achievement of a “win-win” situation. Application Link: https://ehpv.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1/job/19330?location=United+Arab+Emirates&locationId=300000000273649&locationLevel=country&mode=location

Company Description Looking to join the #1 bank in the UAE and one of the most prestigious in the region? We're looking for professionals who are driven, skilled, and ready to take on new challenges. Together, we can achieve our goals, making a lasting impact on both our company and the industry as a whole. Join us and leave your mark on the industry. Let's work together to achieve great things and unlock new possibilities for our employees, customers, and communities. Job Description The role will primarily focus on managing and growing portfolio revenue and income from both borrowing and non-borrowing customers under the Virtual Relationship Unit within the CMB segment. Additionally, the role emphasizes building and maintaining strong customer relationships, ensuring personalized service, and contributing to the overall profitability and long-term sustainability of the bank’s portfolio 1.Client Relationship Management: Serve as the primary point of contact for commercial banking clients under the virtual relationship management. Provide prompt and efficient responses to customer inquiries via phone, email, and video calls. Ensure that all clients interaction is managed in line with agreed TAT/SLAs, including response and resolution times. Build and maintain strong long-term relationships with clients to understand their business needs and provide tailored solutions. Take ownership of customer issues and follow proactively through to ensure resolution. • Maintain clear and professional communication with clients. Effectively manage and escalate complex issues to senior management when necessary, ensuring that they are resolved promptly. Accurately document client interactions, issues, and resolutions in the CRM system. Work with other team members to ensure consistency in service delivery and share best practices. Manage service delivery expectation of customers to sustain positive NPS score and minimize NPS detractors in the managed portfolio. 2. Service Operation Management Ensure all client service requests are attended (financial & non- financial,) are completed within agreed service-level agreements (SLAs). Follow-up with supporting units to ensure proper follow-up on client’s service request (SR). Obtain customer information and reply to AML/STR alerts raised on assigned accounts within the assigned approved Turnaround time (TAT) Track and monitor requests to ensure accurate and efficient completion, troubleshooting issues as they arise. Act as a liaison between various departments (e.g., CCS Centres, Compliance, Risk, IT, Legal, Treasury, and Operations) to ensure client requests are addressed in line with FAB policies and regulatory requirements. Ensure that all service operations are conducted in compliance with banking regulations, internal policies, and risk management frameworks. Implement procedures to mitigate operational risks and ensure the integrity and confidentiality of client information. 3. Support Virtual Relationship Managers (VRMs) Work closely with (VRMs) to analyze client portfolios and identify potential sales opportunities. Implement strategies to retain and win back the customers leading to the enhancement of client retention rate. Identify opportunities to upsell or cross-sell bank products and services to clients. • Generate referrals by referring the client to other commercial banking sales channel for revenue generation product viz TWC, PL assist, FX, investment, Banca, and liabilities. Provide clients with information on banking products, services, and market trends. 4. Training and Development: Participate in training and development programs to stay current on banking products, services, policies, and procedures. Contribute to process improvements to enhance the client experience and operational efficiency. Mentor new team members by sharing best practices and providing guidance on handling complex customer interactions. Take the accountability for self-learning and professional development in addition to completion of all mandatory trainings. Qualifications: High school diploma or equivalent; bachelor’s degree in business administration, Finance, or a related field. Minimum of 2-3 years of experience in client service within the banking or financial services industry. Excellent verbal and written communication skills. Strong problem-solving and conflict resolution abilities. Ability to multitask and manage time effectively in a fast-paced environment. High level of empathy, patience, and a customer-centric approach. Technical proficiency with digital communication tools and CRM Application Link: https://jobs.smartrecruiters.com/FirstAbuDhabiBank/744000075482825-support-officer-virtual-relationship-emiratized-role

Company Description FAB, the UAE's largest bank and one of the world's most secure financial institutions, is dedicated to creating value for its employees, customers, shareholders, and communities. Through innovation, agility, and differentiation, FAB is committed to fostering growth. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting and dynamic industry.  Job Description The role will primarily focus on managing and growing portfolio revenue and income from both borrowing and non-borrowing customers under the Virtual Relationship Unit within the CMB segment. Additionally, the role emphasizes building and maintaining strong customer relationships, ensuring personalized service, and contributing to the overall profitability and long-term sustainability of the bank’s portfolio Financials Manage portfolio of 400-500 customers comprising of customers primarily non borrowing customers Achieve monthly& annual KPI objectives (Portfolio, Revenue, X-sell and Activations) Cross sell bank products (New accounts, Assets, Trade, FX and Bancassurance) to increase product penetration across customer portfolio. Refer and upgrade customers to other units within the CMB segment (POS, MBBF, TWC and cash Management related products) Ensure penetration in the market through focus on New to Bank referrals from existing customers. Focus on activation and management of dormant/inactive customers. Maintain Daily Sales Reports on business performance for review. Customers Serve as the primary point of contact for clients, providing timely support and expert advice to address their banking needs. Engage with clients regularly to update them on new products, services, and market opportunities. Maintain consistent and proactive communication to anticipate client needs and address concerns. Collaborate with internal teams to implement changes based on feedback, showcasing a commitment to client satisfaction. Identify opportunities to introduce clients to relevant banking products that align with their financial goals, thereby adding value and enhancing customer loyalty. Actively contribute to initiatives aimed at improving NPS, including quality of service, turnaround times, and problem resolution. Maintain accurate records of client interactions, preferences, and feedback to support personalized engagement and targeted solutions. Compliance Ensuring the remediation of all KYC expired cases Ensure clients comply with the bank’s policies and procedures related to AML, sanctions, and other regulatory guidelines. Monitor ongoing transactions and flag any suspicious or unusual activity for further investigation. Collaborate with the Compliance and Risk departments to ensure adherence to evolving regulatory requirements. Conduct customer due diligence (CDD) and enhanced due diligence (EDD) based on client risk profiles. Regularly update and review KYC information for both new and existing clients, ensuring all information is accurate and up to date. Learning & Growth: Participate in the assigned People Development and Learning & Development programes. Take accountability for own development by active enrolment and participation with close coordination with respective Unit Manager To ensure participation in assigned training, Learning & Development programes. Awareness to competition offerings and offer suggestions to line manager to improve product/ processes. Propose and recommend decisions as per the approved authorization matrix. Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks Qualifications Minimum Qualification Bachelor’s Degree in Business Administration, Finance, Banking or a related major field of study is preferred Minimum Experience 3 years’ relevant experience in the Corporate, Commercial or Business Banking in similar positions of managing customer base in the identified target segment Application Link: https://jobs.smartrecruiters.com/FirstAbuDhabiBank/744000075498896-virtual-relationship-officer-emiratized-role

Company Description Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting & dynamic industry. Job Description JOB PURPOSE: The job role forms key part of PB Credit by recommending new credit and extensions of credit facilities through analysis of financial documents and provides support to the UAE branches and DSF, key accountabilities include credit review of mortgage loans. KEY ACCOUNTABILITIES: Core responsibilities ▪ Develops Proposal Related to Credit Transactions and Risks based on Clients Financial information reviewed through related documents ▪ Evaluates Clients Credit Data and information and financial statement in order to determine the degree of risk associated with the account and facilitate the decision making process based on credit worthiness ▪ Ensure that the credit documentation is complete for the purpose of facilitating the application process and ensures approvals on the same are obtained from delegated authority. ▪ Manages the exception level (insufficient/deferred security documents, and exception reports) efficiently and within the specified standards and timelines. ▪ Ensure timely and accurate Productivity reports are maintained and forwarded on timely basis to reporting Manager. Policies, Systems, Processes, & Procedures ▪ Ensures to comply with audit requirements, internal and external reporting obligations in line with the policy guidelines, to ensure high standards of uniformity and consistency across FAB. Adherence to policies, processes and procedures of FAB along with Central Bank Regulations Self- Management Responsibilities ▪ Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are achieved during the course of the year. ▪ Identifies training and development requirements for self and agrees on them with the reporting manager to ensure that the required trainings are arranged and attended. ▪ Strives to achieve the highest levels of proficiency on all the competencies and skills required to perform the role. ▪ Keeps abreast of professional developments, new techniques and current issues through related trainings. People ▪ Maintain professionalism and effective communication with colleagues within the Unit and all other Departments ▪ Adhere to your individual duties and responsibilities at all times Job Context: Specific Accountability ▪ Analyse client’s financial statements – Bank Statements & or / Audited Statements and review client’s credit history to meet bank’s lending standards. ▪ Ensure completeness and correctness of documentation in order to avoid fraud. ▪ Minimize risk by maintaining underwriting quality and ensure that proposed amount is in line with the Bank policy. ▪ Highlight credit risks / mitigants and ensure deviations are captured as per policy while recommending proposals for approval to the Line Manager. ▪ Ensure all system checks are performed correctly and reviewed as per process. ▪ Ensure information is correctly reflected in CAS before changing the stage to the next level for approval. ▪ Ensure to process applications within agreed timelines. ▪ Perform EV, CPV where applicable. ▪ Execute any other responsibilities entrusted by the Line Manager. Qualifications Minimum Qualification ▪ Bachelor’s degree in Business Administration, Management, Banking or any related discipline. Minimum Experience ▪ 3 years’ relevant experience, including 1 year in similar role Application Link: https://jobs.smartrecruiters.com/FirstAbuDhabiBank/744000071954526-specialist-credit-mortgages

Possesing a degree in accounts profession with minimum of 2-5 years of experience