Branch Manager

Job Summary:

Rafidain Bank Abu Dhabi is a leading financial institution committed to delivering exceptional banking services with a focus on innovation, integrity, and customer satisfaction. The bank offers a broad portfolio of retail banking, corporate banking, wealth management, and Islamic banking services, and seeks to maintain a strong market presence through disciplined governance, trusted customer relationships, and operational excellence.

Branch Manager Profile: Dynamic and results-oriented banking professional with extensive experience in managing branch operations, leading teams, and driving business growth. Proven track record of achieving sales targets, ensuring regulatory compliance, and delivering exceptional customer service. Skilled in financial analysis, risk management, credit evaluation, and operational excellence. Expert in developing and implementing strategic initiatives to enhance branch performance, profitability, and market share. Strong leadership abilities with a talent for motivating cross-functional teams, developing talent, and fostering a high-performance culture. Adept at building and maintaining relationships with key stakeholders, corporate clients, and regulatory authorities. Possesses comprehensive understanding of UAE banking regulations, CBUAE requirements, MOHRE compliance, and Anti-Money Laundering standards. Seeking to leverage strategic thinking, commercial acumen, and operational excellence to drive branch success and contribute to the bank's growth objectives.

Statement of Duties:

Branch Operations Management

• Oversee all branch operations ensuring efficiency, compliance, and service excellence.
• Manage daily banking activities including deposits, withdrawals, loans, and account services.
• Ensure adherence to operational procedures, internal controls, and audit requirements.
• Monitor cash management, vault operations, and ATM functionality.
• Implement and maintain business continuity and disaster recovery plans.

2. Business Development & Sales

• Develop and execute branch business plan to achieve growth targets.
• Drive sales of banking products, including deposits, loans, credit cards, investment products, and insurance solutions.
• Identify and pursue new business opportunities in retail and SME segments.
• Build and maintain corporate and high-net-worth client relationships.
• Achieve monthly, quarterly, and annual revenue and profitability targets.

3. Team Leadership & Development

• Lead, motivate, and develop branch staff to achieve performance excellence.
• Conduct performance reviews, set KPIs, and provide coaching and feedback.
• Implement training programs to enhance team capabilities and product knowledge.
• Foster a positive, customer-centric culture aligned with bank values.
• Manage recruitment, succession planning, and talent development.

4. Compliance & Risk Management

• Ensure full compliance with UAE Labor Law, CBUAE regulations, and banking standards.
• Implement Anti-Money Laundering and Know Your Customer procedures across all branch activities.
• Monitor and mitigate operational, credit, and fraud risks.
• Conduct internal audits and address audit findings promptly.
• Ensure WPS compliance and proper HR documentation.

5. Customer Experience Management

• Maintain high standards of customer service and satisfaction.
• Handle escalated customer complaints and resolve issues effectively.
• Implement customer feedback mechanisms and service improvement initiatives.
• Monitor customer satisfaction scores and Net Promoter Score.

6. Financial Management

• Manage branch profit and loss performance, budgets, and cost control.
• Analyze financial performance and implement corrective actions.
• Optimize resource allocation and operational efficiency.
• Monitor credit portfolio quality and minimize non-performing loans.

7. Regulatory & Reporting

• Prepare and submit regulatory reports to CBUAE and internal stakeholders.
• Maintain accurate records for MOHRE inspections and labor compliance.
• Ensure proper documentation and record-keeping in line with banking standards.
• Coordinate with internal audit, compliance, and risk departments.

JOB PROFILE (CORE COMPETENCIES):

Strategic Planning & Execution Financial Analysis & P&L Management Team Leadership & People Development Sales & Business Development

Risk Management &

Compliance Customer Relationship Management Operational Excellence Regulatory Knowledge (CBUAE, MOHRE, AML/CFT)

Credit Assessment & Loan

Processing Stakeholder Management Decision Making & Problem Solving Digital Banking & Technology Adoption

REQUIRED QUALIFICATIONS:

Education:

· Bachelor's degree in Banking, Finance, Business Administration, or related field.

· MBA or professional banking certification preferred.

Experience:

· Minimum 8-10 years of progressive banking experience.

· At least 3-5 years in branch management or a senior leadership role.

· Proven track record in the UAE banking sector preferred.

Skills:

· Deep understanding of banking operations, products, and services.

• Comprehensive knowledge of UAE banking regulations and CBUAE requirements.
• Expertise in credit evaluation, risk assessment, and loan processing.
• Strong financial analysis and profit and loss management skills.
• Excellent leadership, coaching, and team development abilities.
• Proven sales and business development track record.
• Superior communication and interpersonal skills.
• Proficiency with banking systems, including core banking, CRM, and reporting tools.
• Fluency in English; Arabic language skills are highly desirable. Certifications:
• Certified Bank Branch Manager preferred.
• AML/CFT Certification.
• Risk Management Certification preferred.
• Credit Analysis Certification preferred.
• Location: Abu Dhabi, United Arab Emirates.

CANDIDATE PROFILE:

· Strategic thinker with strong commercial acumen.

· Results-oriented with proven ability to achieve targets.

· Excellent leadership and people management skills.

· Customer-focused with commitment to service excellence.

· High integrity and ethical standards.

· Strong analytical and problem-solving abilities.

· Adaptable to changing regulatory and market conditions.

· Proficient with banking technology and digital platforms.

· Culturally aware and able to work effectively in a diverse environment.

RELATIONS:

Internal:

· Regional Manager / Head of Retail Banking.

· Head Office departments: HR, Finance, Risk, Compliance, Legal, IT, and Marketing.

· Other Branch Managers for best-practice sharing and coordination.

· Credit Department for loan approvals and portfolio support.

· Treasury Department for liquidity management.

· Internal Audit Team.

· Compliance and AML Teams.

· Customer Service Center.

External:

· Central Bank of the UAE.

· Ministry of Human Resources and Emiratization.

· Corporate clients and SME customers.

· High-net-worth individuals.

· Government entities.

· Security services providers.

· Technology and ATM vendors.

• Professional associations such as the UAE Banks Federation.