Area Manager – Liability Banking & Growth Leader

Mashreq NEO CORP; United Arab Emirates; On-site; AED 600,000 - 900,000; Full time

Job summary

Mashreq NEO Corp in United Arab Emirates seeks an Area Manager – Liability, Business Banking to lead a large liability portfolio and oversee 2,200–3,000 high-value client accounts, driving growth, profitability, and risk management across SME and self-employed segments.

You will oversee strategy, client coverage, controls, and a 20–22 staff team, building a high-performing, customer-centric culture while advancing digitization and cross-sell across products.

Qualifications

• 15+ years of progressive experience in Business Banking / Commercial Banking with a strong understanding of products, liability solutions, client acquisition, relationship management, and portfolio economics.
• Proven track record of delivering revenue and portfolio growth.
• Experience leading and developing relationship management teams.

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.
• Lead, coach, and develop the Team Manager, Relationship Managers, and Assistant Relationship Managers.
• Establish clear performance expectations, client excellence, accountability frameworks, and business objectives.
• Build a high-performance, collaborative, and customer-centric culture.
• Identify capability gaps and implement targeted coaching, development, and succession plans.
• Ensure effective performance management, talent development, and retention of high-performing employees.
• Drive a consistently superior customer experience across the Business Banking portfolio.
• Establish strong relationships with key clients and senior client stakeholders.
• Lead the resolution of significant customer issues, complaints, and escalations.
• Ensure proactive engagement with priority clients and identify opportunities to strengthen long-term relationships.
• Promote service excellence while maintaining appropriate risk and control standards.
• Work closely with Product, Governance, and other support functions.
• Risk, Compliance & Operations
• Digital & Transformation teams
• Maintain strong relationships with key clients, industry bodies, and external stakeholders.

Skills

Relationship management

Portfolio economics

Revenue growth

Leadership

Risk & compliance

Job description

Mashreq NEO Corp in United Arab Emirates seeks an Area Manager – Liability, Business Banking to lead a large liability portfolio and oversee 2,200–3,000 high-value client accounts, driving growth, profitability, and risk management across SME and self-employed segments.

You will oversee strategy, client coverage, controls, and a 20–22 staff team, building a high-performing, customer-centric culture while advancing digitization and cross-sell across products.