Area Manager, Liability Banking (Business Banking)

Mashreq; Dubai; On-site; AED 700,000 - 1,100,000; Full time

Job summary

Mashreq is seeking an Area Manager – Liability in Business Banking to lead a large client portfolio and drive end-to-end revenue growth, risk management, and client satisfaction across the region.

The role requires strategic leadership, strong relationship management capabilities, and the ability to manage complex, high-value SME and self-employed client accounts. You will lead a team of relationship managers and work with stakeholders to optimize the portfolio and embed digital solutions.

Qualifications

• 15+ years of progressive experience in Business Banking / Commercial Banking.
• Strong understanding of products, liability solutions, client acquisition, relationship management, and portfolio economics.
• Significant experience in leading and developing relationship management teams.
• Experience operating within robust risk, compliance, and governance frameworks.

Responsibilities

• Develop and execute the area’s annual business plan in line with the overall Business Banking strategy.
• Drive achievement of revenue, profitability, portfolio growth, client acquisition, retention, and product penetration targets.
• Optimize the portfolio mix to maximize sustainable revenue and relationship profitability.
• Identify opportunities to deepen existing relationships and acquire new high-value Business Banking clients.
• Establish the bank as the preferred primary operating bank for SMEs and self-employed customers.
• Identify process gaps and implement sustainable improvements in collaboration with relevant stakeholders.
• Drive adoption of digital banking solutions and relevant technology-enabled processes.
• Drive effective portfolio segmentation and differentiated client engagement strategies.
• Strengthen primary banking relationships and increase share of wallet through cross-sell and product penetration.
• Monitor client concentration, portfolio trends, attrition, profitability, and emerging business opportunities.
• Ensure effective management of key and strategically important client relationships.
• Provide market and competitor intelligence to inform product development and pricing strategies.
• Ensure full adherence to applicable regulatory requirements, AML/KYC standards, internal policies, procedures, and delegated authorities.
• Maintain effective controls and ensure timely resolution of identified risk and compliance issues.
• Ensure the team operates within approved risk appetite and governance frameworks.
• Maintain audit readiness and ensure satisfactory closure of audit and control findings.
• Escalate material risks, exceptions, and breaches through appropriate governance channels.

Job description

Mashreq is seeking an Area Manager – Liability in Business Banking to lead a large client portfolio and drive end-to-end revenue growth, risk management, and client satisfaction across the region.

The role requires strategic leadership, strong relationship management capabilities, and the ability to manage complex, high-value SME and self-employed client accounts. You will lead a team of relationship managers and work with stakeholders to optimize the portfolio and embed digital solutions.