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      IFS – Finance – Firm Tax Manager – Governance & Risk | PricewaterhouseCoopers

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      Employment: Full Time

      Line of ServiceInternal Firm ServicesSpecialismIFS – FinanceManagement LevelManagerJob Description & SummaryA career in Finance, within Internal Firm Services, will provide you with the opportunity to help PwC in all aspects of our Finance internal function including financial planning and reporting, data analysis, and assisting leadership with overall strategy. You’ll focus on recording and analysing financial transactions, paying and receiving invoices, maintaining financial statement ledger accounts, and preparing analysis and reconciliations of bills to detect fraud.Our Internal Tax team provides internal services related to financial services, treasury and taxation. As part of our team, you’ll help the team provide a full range of taxation services to PwC related to complex financial reporting, cost management, tax planning, investment management and transaction processing.The Firm Tax team is a part of the PwC Middle East Group’s OneFinance function.  The team supports on all levels of the firm’s tax activity and is organized into three (3) subfunctions: Compliance & Audit; Governance & Risk; and Legal & Advisory.  This role is intended to support the Governance & Risk subfunction.The ME Tax Governance & Risk Manager’s role is comprised of the following:- Manage the ME Group’s compliance requirements as relates to ME and non-ME governance & risk matters;- Manage the monthly tax provision process for the ME Group, including oversight of tax balances and costs;- Prepare the ME Group’s periodic tax reporting requirements;- Escalate material risk or compliance issues to the ME Tax Governance & Risk Subfunction Leader &/or Firm Tax Leader;- Contribute to tax optimisation projects;- Contribute to upholding the tax governance of the ME Group in accordance with the Tax Code of Conduct; – Contribute to managing and mitigating tax risks of the ME Group in accordance with the Tax Code of Conduct; and – Supervise and provide guidance to junior members of the team.Primary duties and responsibilities- Manage the ME Group’s tax governance & risk based compliance process, including:- Prepare the ME Group’s tax compliance and regulatory reporting documentation, including:- Country by Country Reporting (CbCR);- Economic Substance Reporting (ESR);- United States compliance & reporting (FATCA, annual returns, WFP requirements);- Other non-ME compliance & regulatory requirements;- DAC6;- Transfer Pricing.- Prepare the monthly tax provision calculations for the ME Group and actively manage tax balances and costs including providing value add insight into balances and costs;- Prepare the ME Group’s monthly tax reports including insight into KPIs, balances and costs across all taxes;- Provide support on the audit requirements of the ME Group including tax aspects of external statutory audits as well as managing Tax Authority audits (all taxes) with relevant local jurisdictions;- Provide guidance and support on tax governance & risk projects such as automation requirements, costing validations, tax effectiveness and efficiency improvements;- Provide guidance and support on tax optimisation and tax savings projects;- Provide guidance and support in managing tax compliance risks across the ME Group, escalating to the subfunction lead &/or ME Firm Tax Leader where material;- Provide guidance to and supervision of junior members of the team and facilitate country tax specialist support where applicable;- Ensure submission deadlines are adhered to.- Work with the sub function lead and ME Firm Tax Leader and other relevant business stakeholders to develop and implement tax efficient structuring of company operations across the ME Group, ensuring local (country specific) laws are adhered to.- Be actively involved in business development activities to help identify and solve complex tax challenges.- Refine tax policy and procedure documentation and ensure proper implementation and adherence across the ME Group.- Develop strong working relationships and interface with all stakeholders across the ME Group.- Conduct internal tax related training across the ME Group.- Be actively involved in and a positive influence on team recruiting, development, training and retention.

      Knowledge, skills, and abilities- BA/BS in finance or accounting; CPA, Chartered Accountant or equivalent preferred.- Fluent in Arabic and English.- Minimum 5 years work experience in taxation, preferably with a professional services firm (Big 4), with an exposure to the ME region taxation, and with supervisory experience and strong interpersonal skills, with the ability to relate to many levels of management.- Excellent communication skills in order to communicate effectively internally and externally (with auditors, tax advisors, lawyers etc.).- Time management skills and ability to meet taxation deadlines and resolve urgent issues with auditors.- Consulting skills in order to analyze reports, draw conclusions and make recommendations.- Project management skills.- Excellent leadership skills and ability to manage a team.- High level of understanding across a broad range of tax related matters including compliance and corporate tax optimization.- High level of analytical and quantitative ability required to perform complex financial structuring and accounting and ad hoc reporting functions, including proficiency with computer-based modelling and analytic techniques.

      PwC firms help organizations and individuals to create the value they’re looking for.
      We’re a network of firms in 158 countries with close to 169,000 people who are committed to delivering quality in assurance, tax and advisory services. PwC is the brand under which member firms of PricewaterhouseCoopers International Limited (PwCIL) operate and provide services. Together, these firms form the global PwC network.
      In our 3 key areas of business or Lines of Service Assurance, Tax, and Advisory we work with our clients from business start ups to the worlds leading organizations to measure, protect and enhance the things that matter most to them.
      We help our own people to learn, discover, develop and make a real difference all the way through their working lives. And we have big ambitions to grow.
      PwC Middle East Region is part of what we call the Central Cluster and includes the UK, Europe and Africa as well as the Middle East. The region consists of 12 markets – UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, Jordan, Lebanon, Egypt, Libya, Iraq and Palestine.
      PwC has been established in the region for over 40 years, we already employ over 4500 people and we are on course to become the Middle East number one professional service firm. More

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      Operations Executive | RTC-1 Employment Services

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      Employment: Full Time

      Position Title: Operations ExecutiveEmployment Type: Full TimeSalary: up to 7,000 AED, all-inclusive depending on experience and qualificationsJob Location: Sharjah, UAEAbout the Client:The hiring company is a Sharjah based business formation company that is high recognized in their dedication to create a streamline the process of businesses structure that suits different client needs to cover their presence in the UAE.Job Role:• Preparing and finalizing formation documents for with amendment license processes• Maintaining application forms for client purpose• Generating monthly/weekly/random reports upon the managers requests• Preparing/maintaining online sheets including client list, processing record, historic – license related, historic – visa related, etc• Updating/maintaining general policies document and sheet• Preparing formation documents new/renew/amendment/cancellation etc• E-Channel renewal monitoring

      Requirements:• Open to Arabic nationals• Male or Female, 40 years old and below• Bachelor’s degree in any relevant field• At least 3 years of experience in business setup/company formation with knowledge of Freezones (essential)• E-Channel experience is a must• Excellent English communication skills

      RTC-1 Employment Services is a licensed recruitment firm based in Dubai, UAE. Our team has been in the market since 2004 and we are supporting various industries with their staffing needs across the Middle East and Africa. More

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      IFS – Finance – Firm Tax Associate/Senior Associate – Legal & Advisory | PricewaterhouseCoopers

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      Employment: Full Time

      Line of ServiceInternal Firm ServicesIndustry/SectorNot ApplicableSpecialismIFS – FinanceManagement LevelSenior AssociateJob Description & SummaryA career in Finance, within Internal Firm Services, will provide you with the opportunity to help PwC in all aspects of our Finance internal function including financial planning and reporting, data analysis, and assisting leadership with overall strategy. You’ll focus on recording and analysing financial transactions, paying and receiving invoices, maintaining financial statement ledger accounts, and preparing analysis and reconciliations of bills to detect fraud.As a part of our Internal Firm Services, you’ll provide strategic oversight, manage operations, and develop policies for all aspects of the Finance team.The Firm Tax team is a part of the PwC Middle East Group’s OneFinance function.  The team supports on all levels of the firm’s tax activity and is organized into three (3) subfunctions: Compliance & Audit; Governance & Risk; and Legal & Tax Advisory.  This role is intended to support the Governance & Risk sub function.The ME Firm Tax Legal & Advisory Associate’s role is comprised of the following:- Prepare tax and legal advice for the PwC ME business outlining the Firm’s position on tax aspects of: – Client and vendor contracting arrangements; – Client and vendor billing arrangements; – Structuring of client and vendor contracts; – Acquisitions; – Cross-border transactions; and- Responding to other ad hoc matters pertaining to the Firm’s Tax position.In addition, the role will also require reviewing of various tax and VAT related clauses in agreements and drafting of relevant clauses to give effect to the transaction/arrangement.Primary duties and responsibilities- Support the ME Firm Tax Legal & Advisory (Subfunction) Lead in scoping and preparing Firm tax and legal advice, including:- Receiving and managing requests for Firm Tax and Legal advice;- Scoping with relevant stakeholders in order to ascertain business requirements;- Draft advices/opinions and make recommendations based on legal requirements;- Seek practical solutions to legal impediments;- Draft policies and procedures as required;- Draft legal agreements and documents;- Provide guidance and support on tax optimisation and tax savings projects;- Provide guidance and support on legal aspects of managing tax compliance risks across the ME Group, escalating to the subfunction lead &/or ME Firm Tax Leader where material;- Provide guidance to and supervision of junior members of the team and facilitate specialist stakeholder support where applicable;- Ensure deadlines are adhered to.- Work with the sub function lead and ME Firm Tax Leader and other relevant business stakeholders to develop and implement tax efficient structuring of company operations across the ME Group, ensuring local (country specific) laws are adhered to.- Be actively involved in business development activities to help identify and solve complex tax challenges.- Refine tax policy and procedure documentation and ensure proper implementation and adherence across the ME Group.- Develop strong working relationships and interface with all stakeholders across the ME Group.- Conduct internal tax related training across the ME Group.- Be actively involved in and a positive influence on team recruiting, development, training and retention.

      Knowledge, skills, and abilities- BA in law, with a tax, contract/commercial law major or B.Com (Law).- Fluent in Arabic and English.- Minimum 2 years work experience in law (with a taxation, contract/commercial focus), preferably with a legal firm (international or golden circle) or professional services firm (Big 4). – Exposure to the ME region’s taxation requirements would be beneficial.  – Strong interpersonal skills, with the ability to relate to many levels of management.- Excellent written and verbal communication skills are required in order to communicate effectively internally and externally (with business advisors, tax advisors, lawyers, other stakeholders, etc.).- Time management skills and an ability to meet deadlines and resolve urgent issues with stakeholders.- Consulting skills in order to analyze reports/transactions, draw conclusions and make recommendations.- Project management skills.- Excellent leadership skills and ability to work within a team.- High level of understanding across a broad range of tax related matters including compliance and corporate tax optimization.

      PwC firms help organizations and individuals to create the value they’re looking for.
      We’re a network of firms in 158 countries with close to 169,000 people who are committed to delivering quality in assurance, tax and advisory services. PwC is the brand under which member firms of PricewaterhouseCoopers International Limited (PwCIL) operate and provide services. Together, these firms form the global PwC network.
      In our 3 key areas of business or Lines of Service Assurance, Tax, and Advisory we work with our clients from business start ups to the worlds leading organizations to measure, protect and enhance the things that matter most to them.
      We help our own people to learn, discover, develop and make a real difference all the way through their working lives. And we have big ambitions to grow.
      PwC Middle East Region is part of what we call the Central Cluster and includes the UK, Europe and Africa as well as the Middle East. The region consists of 12 markets – UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, Jordan, Lebanon, Egypt, Libya, Iraq and Palestine.
      PwC has been established in the region for over 40 years, we already employ over 4500 people and we are on course to become the Middle East number one professional service firm. More

    • 63 Shares189 Views

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      Mobile Architect | Stanley James

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      Employment: Full Time

      We are recruiting a Mobile Architect on behalf of a leading UAE headquartered organisation who are recognised as a leader within their industry. This is an excellent opportunity to join a once in a generation project and have a significant hand in shaping a strong brand.

      Applications are sought from those with 10 years of experience which will include hands on development and conceptual & architectural design on an enterprise scale of both iOS and Android mobile applications. You will be educated to degree level and have an excellent command of written & spoken English.

      Stanley James is a privately owned recruitment business with offices in both Dubai and Cape Town allowing us to have global reach and a strong presence across EMEA and APAC. We have an expert team of recruitment specialists that are people centric, knowledgeable and driven to connect talent across all corporate functions. We are the partner of choice for SMEs, niche industry specialists and enterprises across the Technology, Financial Services, Management Consultancy, Legal, Construction & Engineering and Energy & Oil Gas sectors.
      We typically recruit a wide range of skillsets across all corporate services, front/back office functions and commercial leadership teams. This includes Finance, Information Technology, Legal, Sales & Marketing, Engineering, C-Level/Leadership, Business Change, Operations, Special Projects and Business Support Services. More

    • 75 Shares189 Views

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      Microsoft System Engineer | Michael Page

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      Employment: Full Time

      As a Microsoft System Engineer, you will responsible for planning and implementing new systems, troubleshoot and correct software errors and deficiencies as well as improve existing systems.Client DetailsA leading organisation based in Abu Dhabi.Description* Microsoft 365 with focus on Exchange Online, MS Teams, Azure Active Directory, Intune, Azure AD Connect, Yammer Enterprise, Delegate 365, Delve, Sway, Office Online, OneDrive for Business and Office Pro-Plus.* Provide solution scope details of project to internal or external teams.* Provide updates reports for ongoing projects to IT management.* On-prime Windows server technologies support and administration.* Microsoft 365 and Azure support, maintenance, and administration (account provisioning, migration to M 365, distribution group creation, license activation). Strong skills with using the Admin Portals.* Troubleshooting Microsoft 365 account, startup issues and ActiveSync configurations for Mobile Messaging Services.* Microsoft 365 Reporting, Health Status and Upcoming Evergreen changes with* Technical support with our Service Desk/ Engineering Teams.* Assist with configurations, PowerShell scripts, baseline policies and backup/DR processes.* Provide technical guidance for migration, configuration and deployment of Microsoft 365, Windows 10, Azure AD, Azure AD Connect, AD Federation and E&MS services across the organisation.* Create user guides and instructional documents for end-users and service desk teams.* Update, contribute, and maintain Microsoft SharePoint online team sites as procedures/ documentation change.* Responsible for L1/L2 Technical Support for group of companies and multiple sites, Service Improvements, reporting, root cause analysis, incident management, automation, and developments for all Microsoft 365 services or cloud infrastructure.Job Offer* Dynamic work environment* Attractive salary* Opportunity to work for a leading organisation

      * 5 to 10 years in Microsoft systems administration.* Implementation / service provider background is preferable.* Valid driver’s license as there will be travel involved to other sites.Certifications desired:* Microsoft 365 Certified: Enterprise Administrator Expert* Microsoft 365 (Messaging or Security)* IT Service Management ITIL Foundation Certificate in IT Service Management

      Michael Page is one of the world’s leading professional recruitment consultancies, specializing in the placement of candidates in permanent, contract, temporary and interim positions with clients around the world.
      The Group has operations in the UK, Continental Europe, Asia-Pacific and the Americas. In the Middle East we focus on the areas of:
      Finance & Accounting Banking & Financial Services Procurement Property & Construction Engineering & Supply Chain Oil & Gas Technical and Engineering Human Resources Sales Marketing Technology Secretarial Executive Search Legal
      The Group operates through 161 offices in 33 countries and employs over 5,000 employees worldwide. More

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      Network and Security Engineer | Michael Page

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      Employment: Full Time

      As a Network and Security Engineer, you will responsible for the provisioning, deployment, configuration, and administration of many different pieces of network and security-related hardware and software.Client DetailsA leading organisation based in Abu Dhabi.Description* Management / changes in Network & Security policies in post deployment & run phase of network infrastructure projects.* Provide solution scope details of project to internal or external teams.* Provide updates reports for ongoing projects to IT management.* Configure routing and switching equipment, hosted IP voice services and firewalls.* Install and maintain network services, equipment, and various devices.* Undertake capacity management and audit of IP addressing and hosted devices within data centers.* Upgrade network equipment and services to the latest stable releases.* Maximise network performance by monitoring performance, troubleshooting network problems and outages, scheduling upgrades and collaborating with IT team on network optimisation.* Secure network systems by establishing and enforcing policies and defining and monitoring access.* Support and administer firewall environments in line with IT security policy.* Report network and security operational status by gathering and prioritising information and managing projects.* Provide remote support to on-site engineers and end users during installation.* Provide remote/on-site troubleshooting and fault finding.* Create/update accurate network diagrams and documentation for design and planning network communication systems.* Enterprise EPP & EDR and DLP solutions support, administration and L2 troubleshooting.* Responsible for L1/L2 Technical Support for group of companies and multiple sites, Service Improvements, reporting, root cause analysis, incident management and developments for all services related IT Networking and security including On-premises as well cloud infrastructure.Job Offer* Dynamic work environment* Attractive salary* Opportunity to work for a leading organisation

      * Bachelor’s Degree in Computer Science or equivalent.* Should have 4-6 years of experience in IT field with at least 1-2 years’ experience in Network Security.* Implementation / service provider background is preferable.* Valid driver’s license as there will be travel involved to other sites.* CCNA, CCNP, CND or CCSP certifications would be preferable.

      Michael Page is one of the world’s leading professional recruitment consultancies, specializing in the placement of candidates in permanent, contract, temporary and interim positions with clients around the world.
      The Group has operations in the UK, Continental Europe, Asia-Pacific and the Americas. In the Middle East we focus on the areas of:
      Finance & Accounting Banking & Financial Services Procurement Property & Construction Engineering & Supply Chain Oil & Gas Technical and Engineering Human Resources Sales Marketing Technology Secretarial Executive Search Legal
      The Group operates through 161 offices in 33 countries and employs over 5,000 employees worldwide. More

    • 125 Shares179 Views

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      IFS – IT – Cloud Service Delivery Manager | PricewaterhouseCoopers

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      Employment: Full Time

      Line of ServiceInternal Firm ServicesSpecialismIFS – Information Technology (IT)Management LevelManagerJob Description & SummaryA career in Information Technology, within Internal Firm Services, will provide you with the opportunity to support our core business functions by deploying applications that enable our people to work more efficiently and deliver the highest levels of service to our clients. You’ll focus on managing the design and implementation of technology infrastructure within PwC, developing and enhancing both client and internal facing applications within PwC, and providing technology tools that help create a competitive advantage for the Firm to drive strategic business growth.Our Information Technology Development team helps develop and supports internal information technology systems and applications for use by all staff levels. You’ll help our team develop programmes and applications that cater to PwC’s strategic technology needs using your knowledge of technical domains of application.In this role, the successful candidate will:This role will manage the overall delivery of managed cloud services for PwC internal customers. In this role, you will be working in collaboration with a wide range of customer teams to onboard cloud services. You will act as the liaison between the end customer and managed cloud services technical staff and management. This is a fast-paced, highly-collaborative role where you will be interacting with a variety of internal teams to support our customers. In additionto the management of services, you will be leading the change in culture and practice of the teams to embrace Agile and Continuous Delivery practices.You will be providing thought leadership to develop and implement a new operating model for the services moving to the cloud. You will lead the delivery teams in embracing the digital transformation and enabling PwC to foster a more collaborative and agile way of working both internally and with the service providers.Requirements- You will manage the services delivered as they are migrated to Azure.- As a key stakeholder in the program, you will work closely with the teams implementing the program, providing service input, but also coaching in their move to Agile practices.- As a leader in the team, you will define new operating models and processes.- Working in a team, you will help identify and then implement the necessary structures, roles & responsibilities required within the teams.- Your role will define the cloud centric measures and performance metrics which will track the effectiveness of the services we deliver to our customers- You will work with our operational teams across the IT organization to get the best out of our range of skills.- As an agent for change, you will positively influence the culture of the teams, helping them embrace new technologies and ways of working.

      QualificationsYou have experience in the following areas:- Working in a customer facing in a service based role- Leading teams delivering services migrating to and based on the Cloud- Good technical understanding and ability to keep up to date with rapidly changing market trends- Track record in managing P&Ls and financial forecasting- Producing great documentation including target operating models, service designs, service descriptions, processes & procedures- Experience of managing DevOps teams and of Continuous Delivery- Use of the SAFe Agile framework- Cloud ArchitecturePreferred Qualifications- Technical Program or Project Management experience.- Excellent written and oral English communication skills to successfully engage with customers and colleagues.- This role will require the creation of content such as presentations, project plans and other written deliverables.- Track record of ramping up quickly in an evolving and challenging role.- Well-honed troubleshooting skills at various levels of complexity.- Experience managing multi-tier application stacks from the OS up through custom applications.- Experience with Azure service offerings.- Experience in Service Level Reviews, Reporting and Management.- Ability to manage multiple tasks and projects in a fast- moving environment.- Presentation skills; high degree of comfort with both large and small audiences.- High level of comfort communicating effectively across internal and external organizationsEducation- Bachelor Degree in Computer Science or Computer Engineering, or relevant experience.- Certifications in AWS, Azure and GCPLanguage- Fluency in spoken and written English; Arabic is an advantageOverall Experience- 6+ years of experience working in a customer facing service delivery/technical account management role with a high level of accountability.- 6+ years of experience in a customer facing technical role (design/implementation/ consulting) at a cloud services provider, managed services provider or managed hosting provider.

      PwC firms help organizations and individuals to create the value they’re looking for.
      We’re a network of firms in 158 countries with close to 169,000 people who are committed to delivering quality in assurance, tax and advisory services. PwC is the brand under which member firms of PricewaterhouseCoopers International Limited (PwCIL) operate and provide services. Together, these firms form the global PwC network.
      In our 3 key areas of business or Lines of Service Assurance, Tax, and Advisory we work with our clients from business start ups to the worlds leading organizations to measure, protect and enhance the things that matter most to them.
      We help our own people to learn, discover, develop and make a real difference all the way through their working lives. And we have big ambitions to grow.
      PwC Middle East Region is part of what we call the Central Cluster and includes the UK, Europe and Africa as well as the Middle East. The region consists of 12 markets – UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, Jordan, Lebanon, Egypt, Libya, Iraq and Palestine.
      PwC has been established in the region for over 40 years, we already employ over 4500 people and we are on course to become the Middle East number one professional service firm. More

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      Relationship Manager, Corporate Banking | Commercial Bank of Dubai (CBD)

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      Employment: Full Time

      Job Purpose• Professional management & maintenance of Corporate banking relations, in coordination with Corporate Area Manager & Head of Corporate Banking.Principal Accountabilities:Work Management• Maintain & manage an assigned portfolio with existing Corporate clients to retain & grow their banking relationships in a profitable manner and in line with assigned business growth targets.• Identify, solicit and acquire new Corporate clients in line with approved corporate strategies for Assets, Liabilities, Trade and Treasury Sales.• Negotiate appropriate credit lines in conformity with the Bank’s underwriting standards and risk adjusted targets after thorough analysis of information necessary for the preparation of a detailed credit proposal.• Making regular visits to clients for both monitoring and business generation purposes.• Such visits to be recorded by way of call reports which are to include all pertinent information in a timely manner.• Conduct account planning with Client Service Team Members & cross selling other products & services to Corporate clients to ensure multi-product relationship and greater Share of wallet.• Facilitating other lines of business in exploiting business opportunities through referrals to Wealth/Consumer Banking.• Establish effective & professional communication (both internal and external) to ensure turnaround time within designated parameters and higher client satisfaction levels.• Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.• Manage a team of Support Officers, set, agree and measure annual targets, provide professional advice, guidance, training & motivation to enhance their potential & capabilities to hold higher responsibilities, and conduct their performance reviews.• Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank• Keep abreast of developments in the local business environment to spot business opportunities.• Contribute to the planning process in order to develop corporate business strategies.• Develop a strong level of local contacts with the local business and financial institutions community.

      Requirements• Education and Experience:• Degree in Economics or Finance or Business Management• 4 – 6 years of experience in Corporate banking with 2-3 years of exposure to Corporate Banking in the UAE with existing Corporate Portfolio. Ideally incumbent should have had exposure to one or more emerging markets.• Corporate acumen and ability to prepare plans and strategies are essential.• The ability to forge close relationships with external constituents as a senior representative of the bank.

      In 1969, when we at Commercial Bank of Dubai started out little did we know that sheer grit and determination would get us where we are today. An Emiri Decree issued by His Highness the Late Sheikh Rashid Bin Saeed Al Maktoum, the founder of modern Dubai, laid the cornerstone of Commercial Bank of Dubai. We started out as a joint venture of Commerzbank, Chase Manhattan Bank and Commercial Bank of Kuwait. A minority stake was held by a few UAE businessmen.
      By 1982, little more than a decade later, we evolved into a National Public Shareholding company. A feat complimented by an exponential increase in the capital base and mammoth restructuring of our operations. The feather in the cap came when the Government of Dubai became a key shareholder.
      Over the decades, we have transformed ourselves into a progressive and modern banking institution. We are supported by a sturdy financial base and reigned by a strong and stable management. The proof of which lies with our customers who have stood by us over the years. More