Senior Legal Manager

Job Purpose

Key Responsibilities

• **1. Legal Advisory (Business Lines)**
• Provide end-to-end legal support across financial services products in the takaful/insurance space:
• **Life insurance**
• (including savings, protection, and group schemes)
• **Health insurance**
• (including network arrangements and TPAs)
• **Property & Casualty (P&C)**
• (motor, liability, property, marine, etc.)
• Advise on product structuring to ensure compliance with UAE law and Shariah principles.
• Support underwriting and product teams on policy wordings, exclusions, and endorsements.
• Review and approve insurance documentation, terms, and conditions.
• **2. Claims & Disputes**
• Provide legal oversight on
• complex and high-value claims
• across all lines of business.
• Advise on coverage disputes, claims, and settlement strategies.
• Manage litigation, arbitration, and regulatory disputes (including UAE onshore/ DIFC courts).
• Liaise with external counsel and oversee case strategy and costs.
• Ensure claims handling aligns with regulatory and
• fair treatment of customers

requirements

• .
• **3. Takaful & Shariah Compliance**
• Ensure all products, contracts, and operations comply with
• Takaful principles
• .
• Work closely with the

Shariah Supervisory Committee (ISSC)

• :
• Prepare and review legal documentation for Shariah approval
• Implement SSC rulings (fatwas) into contractual frameworks
• Advise on
• wakala/mudaraba structures
• , surplus distribution, and participant risk funds.
• Support Shariah audits and regulatory reporting relating to Islamic finance compliance.
• **4. Regulatory & Compliance Advisory**
• Advise on compliance with:
• UAE

Central Bank Insurance Regulations

• UAE
• Commercial Companies Law (Federal Decree Law No. 32 of 2021)
• UAE

Data Protection Law PDPL

• and healthcare-specific regulations
• Support regulatory filings, inspections, and correspondence with the Central Bank.
• Monitor legal and regulatory developments affecting insurance and Takaful operations.
• **5. Reinsurance & Commercial Contracts**
• Draft, review, and negotiate:
• **Retakaful (Islamic reinsurance)**
• arrangements
• Distribution agreements (brokers, bancassurance, agents)
• TPA agreements and service provider contracts
• Vendor, IT, and outsourcing agreements
• Advise on risk transfer structures and fronting arrangements.
• **6. Corporate Governance & Board Support**
• Support the Board and committees on legal and governance matters.
• Advise on directors’ duties, conflicts of interest, and related party transactions.
• Review Board materials and resolutions from a legal perspective.
• **7. Risk Management & Internal Controls**
• Identify and mitigate legal risks across the organization.
• Support implementation of

ICoFR (Internal Controls over Financial Reporting)

• .
• Contribute to enterprise risk management and compliance frameworks.
• **8. External Stakeholder Management**
• Act as a key point of contact for:
• Regulators (Central Bank of the UAE, Department of Health, Dubai Health Authority)
• External legal counsel
• Auditors and consultants
• Represent the company in negotiations, disputes, and regulatory discussions.

Decision Making Authority / Judgmental Complexity

• Provide legal advice on routine matters and resolve legal issues.
• Manage day-to-day legal operations and team activities.
• Seek approval for significant legal actions, such as initiating litigation or entering into major contracts.
• Consult with legal experts for complex legal questions.

Knowledge /Skills /Experience

• Bachelor’s degree in Law (LLB); LLM or equivalent preferred.
•  Qualified lawyer (common law or civil law jurisdiction).
•  Minimum 5–10 years’ post-qualification experience, with:
• Significant experience in financial services or insurance law
• Experience in financial products Takaful / Islamic finance (preferred)
• Experience in UAE or GCC regulatory environment is essential.
• Prior in-house experience in a financial institution or insurer (preferred)
• Strong understanding of relevant laws, regulations, and legal principles.
• Experience in handling legal disputes and litigation.
• Ability to draft clear and concise legal documents.
• Skill in negotiating, cases settlement, and agreements.
• Knowledge of relevant regulatory requirements and compliance standards.
• Excellent written and verbal communication skills.
• Strong problem-solving and analytical skills.
• Arabic/ English bilingual essential.