Associate Manager, Governance Reconciliation

Job Summary

Purpose of this role is to handle Retail Client Onboarding activities, ensuring efficient operations, excellent customer service, and effective risk management. The role requires to collaborate closely with key stakeholders to ensure seamless execution of country-specific processes and consistent delivery of business objectives. The role will execute and manage activities related to Mortgage and Personal Lending products, ensuring accuracy, compliance, and high-quality client outcomes. Handle operational processes from start to finish, ensuring effective controls, and governance are in place to identify, reduce, and manage risks while maintaining a stable and customer-focused operating environment.

Key Responsibilities

Ensure all key activities outlined below are executed diligently, accurately, and in full compliance with established procedures, regulatory requirements, and agreed service level agreements, while maintaining high standards of operational excellence, risk management, and customer service.

• Responsible for Mortgage Liaison activities for property registration, ensuring timely and accurate execution of registration requirements through proactive engagement with Government Registration Offices, regulatory authorities, and banking institutions across the UAE, while maintaining full compliance with applicable policies, procedures, and service standards.
• Handle end-to-end preparation, verification, and coordination of all documentation required for property registration, ensuring accuracy, regulatory compliance, timely execution, and seamless engagement with relevant authorities and stakeholders to support mortgage lending operations.
• Responsible for collateral document tracking and custodianship activities, ensuring accurate record maintenance, secure document handling, timely follow-up on outstanding documentation, and effective safeguarding of collateral assets throughout the lending lifecycle.
• Handle mortgage settlement activities, ensuring accurate preparation, verification, and execution of settlement documentation while maintaining robust custodianship controls
• Maintain accurate and up-to-date mortgage loan security documentation within the eSDS (Securing Documentation System), ensuring data integrity, and effective document control.
• Prepare and manage comprehensive security documentation trackers and Title Deed MIS reports to support collateral monitoring, operational oversight, risk management, and timely decision-making throughout the lending lifecycle.
• Conduct periodic reviews of process notes to ensure accuracy, compliance, and operational effectiveness, and provide constructive, high-quality feedback that strengthens controls, and enhances process consistency.
• Daily/ Weekly/ Monthly MIS reporting as required.
• Perform Personal Discussions with HNW , High value and Sensitive clients, as required
• Effective client communications and communications handling a, ensuring timely, accurate, professional, and client-centric engagement while maintaining compliance with regulatory requirements, service standards, and organizational policies.

Skills and Experience

Must-have Skills
• Action Oriented
• Collaborates
• Customer Focus
Other Skills
• Nimble Learning
• Courage
• Instils trust
• Manages Ambiguity

Motivations

• Demonstrated ability to proactively communicate with customers, business partners, external and internal stakeholders, apply effective problem-solving techniques, and drive continuous process improvement initiatives. Strong focus on enhancing service quality, building stakeholder confidence, and contributing to the overall success of mortgage operations through operational excellence, process optimization, and customer-centric outcomes.

Qualifications

• Open to considering both fresh graduates and candidates with limited professional experience. The ideal candidate should demonstrate the following attributes:
• High-potential freshers who demonstrate strong aptitude, enthusiasm to learn, and the right behavioural competencies.
• Candidates with relevant experience in mortgage processing, loan servicing, banking operations, or financial services will be advantageous and not mandatory.
• Good analytical and problem-solving skills
• Attention to detail and accuracy
• Effective communication and stakeholder management skills
• Quick learner with a positive and adaptable mindset
• Customer-focused and service-oriented approach
• Collaborative team player
• Interest in banking, lending, mortgage, or financial services operations.
• English/ Arabic

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.