Associate Relationship Manager

ADIB - Abu Dhabi Islamic Bank; Dubai; On-site; AED 240,000 - 360,000; Full time

Job summary

ADIB - Abu Dhabi Islamic Bank is seeking an Associate Relationship Manager (UAE National Only) in Dubai to manage a portfolio of small to medium-sized clients and actively source new-to-bank customers within the non-for-profit segment, delivering end-to-end relationship support from onboarding to service execution.

The role focuses on achieving financial targets through liability growth, fee income, and cross-sell opportunities, while ensuring strict compliance with Central Bank regulations and

Qualifications

• 3-5 years banking experience (Corporate/SME preferred).
• UAE-based experience is required.
• Experience in account opening, documentation review and service request handling.

Responsibilities

• Source and acquire new-to-bank customers within the segment; build a pipeline for portfolio growth.
• Manage assigned portfolio of lower-tier clients; deepen wallet share and identify opportunities.
• Oversee end-to-end client handling: onboarding, KYC checks, documentation, activation, and service requests.
• Coordinate with operations and compliance for smooth execution; primary contact for day-to-day client needs.
• Ensure adherence to policies and regulatory requirements, including Sharia if applicable, and maintain updated KYC/ODD.
• Document call memos and monitor portfolio performance to achieve financial targets.

Skills

Client facing

Sales orientation

Time management

Relationship banking

KYC knowledge

Documentation accuracy

Communication

Job description

Job Description:

Role : Associate Relationship Manager (UAE National Only)

Location : Dubai

Role Purpose:

To manage a portfolio of small to medium-sized clients and actively source new-to-bank customers within the defined non-for-profit organizations segment, delivering end-to-end relationship support (account onboarding through service execution) while achieving assigned financial targets and ensuring full compliance.

Key Accountabilities of the role

Business Development & Target Achievement

• Actively source and acquire new-to-bank customers within assigned segment.
• Build and maintain a pipeline of prospects to support portfolio growth.
• Achieve assigned financial targets including:
• Liability growth (CASA / Wakala deposits)
• Fee income from cash management & transaction banking
• Cross-sell ratios
• Convert prospects into active banking relationships.
• Support marketing and referral initiatives to generate leads.

Relationship Management

• Manage assigned portfolio of lower-tier clients.
• Maintain regular engagement to deepen wallet share and identify opportunities.
• Support Regional Manager in larger relationship development.

End-to-End Client Handling

• Manage complete account opening process (KYC, documentation review, system input, follow-up until activation).
• Submit and track all service requests through internal systems.
• Coordinate with operations and compliance for smooth execution.
• Act as first point of contact for day-to-day client requirements.

Compliance & Governance

• Ensure adherence to ADIB policies, Sharia requirements, and Central Bank regulations.
• Maintain updated KYC/ODD for portfolio & elevate exceptions or complex matters appropriately.

Process & Reporting

• Maintain updated client records and pipeline.
• Document call memos in standard format capturing the contents of the meeting, opportunities for business development and follow-up plan, etc.
• Monitor portfolio performance and assist in achieving assigned financial targets.

Behavioral Competencies:

• Customer Orientation.
• Communication.
• Quality standards.
• Teamwork.
• Technical knowledge.
• Information Gathering.
• Problem Solving.
• Initiative & Change.

Specialist Skills / Technical Knowledge Required for this role:

• Strong documentation accuracy and attention to detail.
• Client-facing communication skills.
• Ability to manage multiple service requests simultaneously.
• Sales orientation with operational discipline.
• Time management and follow up discipline.

Required experience:

• 3-5 years experience of experience in banking (preferably in Corporate or SME segments)
• Experience in account opening, documentation review, and service request handling.
• Exposure to liability growth, customer acquisition activities, and cash management sales is preferred.
• UAE based experience is a must