Margin Finance Manager

Generic ResponsibilitiesCoordinate between team members in fulfillment of Margin Finance set plan. Assist the Head in ensuring the dissemination of policy & procedures and efficient & effective performance of responsibilities. Supervise/ monitor a small group of employees with lower or same seniority.Ensure that officers & junior officers/ apprentice receive periodic training. Participate in evaluating team members and provide feedback through performance evaluation.Quarter sample review for RCSA compliance & report for incidents properly. Participate in providing periodical analytical reports and presentation.Key ResponsibilitiesStructure and manage changes to the Margin Finance Credit Program (CP) as needed, ensuring alignment with market dynamics and internal policies.Design and regularly update the customer profiling sheet to evaluate eligibility and determine appropriate margin limits.Reprice the margin finance product and manage its overall P&L performance.Supervise that all required signatures for margin contracts and related documentation between clients, brokerage firms, and ADIB are done.Create and monitor ADIB’s internal matrix guidelines for stock selection, including liquidity risk and margin ratios.Monitor market behavior by sector and stock to proactively assess portfolio risk and recommend necessary actions.Evaluate and shortlist brokerage firms based on predefined business criteria, ensuring alignment with operational needs and risk parameters.Communicate with Relationship Managers to conduct customer profiling and valuation.Maintain effective communication with all relevant parties, including clients, brokerage firms, ADIB channels, and FRA “Financial Regulatory Authority”.Communicate approved margin limits to brokerage firms and individual clients, ensuring timely and accurate notification in accordance with internal protocols.Direct the team to inform clients and brokers of available margin limits via daily email communications.Ensure the margin finance portfolio complies with FRA regulations and internal matrix frameworks.Review reports indicating clients reaching 60% and 70% debt thresholds for corrective actions.Communicate with the team to initiate the margin calls or force-selling instructions based on lists of clients reaching 60% and 70% debt ratios of their total portfolios.Follow up on rectification actions through margin system screens and maintain accurate records of interventions.Create and manage valuation reports covering portfolio performance and quality, remaining limits, and acquisition.Oversee related User Acceptance Testing (UAT) and review the results to ensure correct implementation.Ensure the proper handling and resolution of complaints in cooperation with Consumer Rights Protection – Compliance & Governance, adhering to established policies, procedures and SLAs.Minimum QualificationsBachelor degree Master degree is preferableMinimum Experience:+8 years of relevant experience preferably banking +3 years of experience in similar role Job-Specific Knowledge & Skills: Strong knowledge of Bank functions, responsibilities & processesExcellent analytical skillsHigh level of decision making & leadership skillsExcellent problem solving skillsExcellent presentation and negotiation skillsExcellent command of MS Office (Word, Excel, Power Point)Personal SkillsHigh level of professionalism and self-motivation.Excellent teamwork, communication & time management skills.Strong ability to coach, team building & motivation of others.