Assistant Manager

  • Full Time
  • Dubai
  • Posted 2 months ago


Organization Unit Purpose

To Collect the Outstanding from defaulting Retail HL & OD and SME-OD ENBD customers

Job Purpose

Job exists to manage the home loan delinquent pool of 800 Mio , around 550 delinquent accounts monthly from the total portfolio size of AED 9.0 Billion, and to ensure that flow of accounts in delinquency is reduced (by reducing coincident delinquency ratio) and under control.

The unique contributions made by the job holder are:

Reduce the HL front-end delinquency ratio in order to control further delinquency
To monitor high risk/high value current mortgage accounts to take pre-emptive remedial actions & minimize the flow into delinquency.
Supervise & Support all delinquent HL, RCL, Retail OD, ENBD SME OD and EI SME OD accounts.
Manage RCL & OD (Including ENBD SME-OD & EI SME – OD) accounts delinquency pool of 200 Mio, around 4,000 delinquent account monthly, and control the delinquency and to increase the cash collection from recovery portfolio
Increase the cash collection in recoveries portfolio to reduce the provision
Maximize the out of court settlement to reduce the litigation cost and save time
Attending expert meeting (assigned by the court) to obtain favorable judgment to bank
Followed up the Civil case procedures to ensure the sale of distressed units in public auction after getting court orders
Monitor all process pertain to Civil case process, restructuring & rescheduling, PLA filing, Batch debiting, Loan closure, property management, auction process, Write-off and write back process, settlements etc.
Reduced Provision risk (Calculating and verifying monthly provision risk on HL portfolio with GRC) and release losses through controls on the 181+ HL pool.
Interface with both external and internal customer in order to make sure the best practices on all process

Job Responsibilities

Key Results

Performance Measures

Main Tasks

Productivity Improvement

Cash collection Ratio & Delinquency Ratios

Contribute to organization’s financial performance by achieving financial targets assigned and ensuring that collections / costs are monitored and controlled.


Timeliness &

Staff satisfaction level

Address and resolve problems of an exceptional nature in order to achieve timely and satisfactory solutions.
Handling complaint calls and resolve amicably to project a professional image of the bank

Compliance & Control

QA reports

Monitor and implement compliance and control measures in order to protect the interests of the bank.
Monitor the debit batch posting and to be forwarded to Debit team
Control on SME portfolio (Managing write-off and write back process)
Verify the civil case invoices prior billing

Continuous Improvement

Results achieved & Accuracy & Customer satisfaction levels

Propose procedural improvements based on periodic reviews, in order to enhance service delivery.
Visit Developer’s office and Land department, if required


MIS & Suggestions approved/implemented

Ensure preparation / submission/ dissemination of relevant reports / returns for management information / action.
Present the RCL, ENBD SME-OD & EI SME OD accounts performance to GCD on monthly EAC and Past due meeting.

Team Supervision

Unit’s performance & Staff satisfaction level

Supervise guide and support activities (Coaching) of members in the team to achieve unit’s objectives.
Relevant training to be arranged for the Team
Setting allocation logic on every month according to the situation

Person Specification


Description Of Knowledge / Skill Etc.



Graduation/Post Graduation


(Years & Type)


Banking – MNC Banks -5-8 years

Collections and recoveries

Knowledge & Skills


Technical Knowledge, Market and Industry, Organization Policies and communication skills, Effective Communicator.

Experience in Secured Portfolio is desirable

Behavioral Competencies

Thinking Related
People Related
Self Related

Action Orientation, Analytical Thinking, Decisiveness and Judgement, Information Seeking, Impact & Influence, Inspiring Leadership attributes, Concern for Quality, Personal Organisation skills, working Strategically

Primary Location

United Arab Emirates-Dubai-Dubai – Nadd Al Shiba, Meydan, Building Q




ENBD Financial Remediation





Job Type


Job Level

Day Job

Job Posting

Jun 2, 2022, 5:08:23 PM

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Job Location