Head Credit Approvals - Retail Credit

Job Title:

Head Credit Approvals - Retail Credit

Posting

Start Date:

28/09/2026

To manage the Retail Credit approvers to ensure all credit applications are processed as per Retail Credit policy, authority matrix & to agreed SLA’s / TAT’s. Ensure that all RCIT staff are fully aware of the bank’s credit policy. Review / monitor Retail credit portfolio through dashboards to ensure that exposure is within agreed limits.

• Train staff and ensure that critical Emiratization roles increase. Keep the team motivated and engaged as measured by engagement surveys.
• To lead the transformation towards digitalization and automation, including exploring AI led solutions for a retail approval system. End to end automation for improved customer experience is a critical responsibility.
• Take ownership of governance including central bank’s policies, application and behaviour scorecards, MIS of the portfolio and resolution of findings by internal audit.

• Processing
• Assure processing of all applications received from the sales channels as per SLA.
• Manage distribution of applications within RCIT team to ensure SLA’s are met.
• Assure all applications are processed as per Retail Credit policy & authority levels.
• Attend all issues related to the special packages offered to the company as well as the promotion offered to different organizations.
• To advise sales channels accordingly of declined applications (& request for further documentation) including decline reason as per TAT.
• Identify exceptions to policy & prepare documentation for higher approval as per authority policy & matrix.
• Manage retail assets portfolio and consolidating the achievements to retail management.
• Review, confirm & process applicable invoices from vendors via Pacman system (Valuators, AECB etc.)
• To prepare yearly /monthly / weekly and daily MIS reports related to retail portfolio to show approved / declined applications & status of portfolio.
• Responding to queries raised by sales channels regarding retail products.
• Maintain & distribute to sales channels the Target Market list (TML) and approve list of company for lending retail product.
• Receive and summarize recommendation from the branches and collecting all the required documentation related to company's information for approval as listed company.

• Ensure that local regulatory compliance functions are in place and monitored properly.
• Ensure that business risks and controls are well managed.
• Compliance with code of conduct.
• Complying with the policies of the Bank while performing in the role.
• Monitor portfolio performance to identify potential PD / NPL & conduct regular reviews with Remedial team to minimise.
• Monitor and follow‑up with the branches regarding the overdrawn and past dues accounts.
• Risk & Compliance training, closure of high and medium risk IA items within agreed timelines, compliance towards the Bank's Risk & Compliance Policies, ORMF and Information Security policies within the Department. Achievement of Well managed KPIs

• Service Quality

To provide high quality service to sale channels /customers.

• To achieve set targets in terms of SLA’s for sales channels / customer transactions.
• Early identification of VIP customer issues to enable quick resolution & approval via authority matrix to ensure high level of customer service to VIP customers.
• Monitoring the prompt service have been provided to the sales channels /customer and any complaints will be dealt with utmost importance & within TAT.
• Provide concise & one‑time responses to sales channels with reference to applications declined or requiring re‑work.
• To ensure full documentation provided to Operations to enable efficient disbursement.
• Conduct regular meetings with Sales, Operations &…