Vice President – Head of Capital & Liquidity Management

At RAKBANK, we believe in fostering a culture of innovation, growth, and excellence. We are not just a bank – we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance.

As Vice President – Head of Capital & Liquidity Management
, you will report to the Executive Vice President – Finance
, you will lead a team of three specialists and oversee RAKBANK’s capital, liquidity, and structural interest rate risk management agenda. You will ensure full regulatory alignment, enhance balance‑sheet efficiency, and shape strategic decisions across capital allocation, dividend policy, and funding strategy. You will further represent the Bank before regulators, rating agencies, and institutional investors to reinforce its credit strength and long‑term growth trajectory.

• Manage capital planning in line with Basel III Pillar 1 and CBUAE standards.
• Oversee capital reporting across Credit, Market, and Operational Risk.
• Optimize Risk‑Weighted Assets (RWA) to enhance capital efficiency.
• Lead ICAAP and coordinate with CBUAE on capital adequacy matters.
• Conduct stress testing and develop remediation plans.
• Recommend dividend policies balancing shareholder returns and regulatory buffers.
• Execute capital raising initiatives (rights issues, Tier 2 debt, AT1 instruments).

• Maintain liquidity risk framework ensuring compliance with ELAR, ASRR, LCR, and NSFR.
• Develop and execute ALAAP and Contingency Funding Plans.
• Conduct liquidity stress testing under multiple scenarios.
• Optimize funding structure through deposits, interbank markets, and debt issuances.

• Design and implement Funds Transfer Pricing (FTP) framework.
• Develop Structural interest rate risk strategies to stabilize NIM.
• Oversee ALCO governance for capital, liquidity,
  Structural Interest rate risk and balance sheet management.

• Manage relationships with rating agencies (Moody’s, S&P, Fitch).
• Prepare rating presentations and Board Risk Committee reports.
• Ensure timely submission of all CBUAE regulatory returns.

Bachelor’s in finance, Economics, Data Science, or Mathematics;
Master’s/MBA preferred.

CFA preferred; FRM is an advantage.

Proven track record in capital and liquidity management, regulatory compliance, and balance sheet optimization.
UAE Local experience is an advantage

• Basel III/IV and CBUAE Capital regulations including ICAAP
• Expertise in Structural interest rate risk and Liquidity risk management (ELAR, ASRR, LCR, NSFR)
• FTP framework design and governance
• Stress testing, scenario analysis, and financial modeling
• Advanced Excel (VBA), Power BI, and Python skills
• Experience with capital raising and rating agency engagement

• Competitive, performance‑linked compensation
• Medical coverage for you and your family
• Inclusive and diverse workplace culture
• Career development and fast‑track growth opportunities
• Mentorship from industry experts

• Strategic Thinking:
  Ability to influence and drive capital, liquidity, and funding decisions.
• Analytical Expertise:
  Strong quantitative and modeling skills.
• Leadership:
  Proven ability to manage cross‑functional committees and stakeholders.
• Communication:
  Exceptional presentation and negotiation skills.