Executive Director, Retail & Consumer Goods(Emiratized)

First Abu Dhabi Bank FAB; Dubai; On-site; AED 100,000 - 150,000; Full time

Job summary

First Abu Dhabi Bank FAB is seeking a Relationship Manager to oversee strategic client relationships in the Retail & Consumer Goods segment. The ideal candidate will drive business origination and ensure compliance with credit and risk frameworks while enhancing service quality and satisfaction levels.

The role entails collaboration across functions, managing client interactions, and achieving financial targets. A bachelor’s degree in finance or a related field and proven banking experience are essential.

Qualifications

• Proven experience in managing client relationships within the banking sector.
• Strong understanding of credit and risk frameworks.
• Proficient in business origination and financial products.

Responsibilities

• Manage and grow relationships with strategic clients in Wholesale Banking.
• Drive new business origination and ensure compliance with risk frameworks.
• Prepare Group Account Plans for target clients.

Skills

Client relationship management

Business origination

Credit assessment

Risk management

Communication skills

Education

Bachelor's degree in finance or related field

Job description

Join the UAE s largest bank and one of the world s largest and safest financial institutions Our focus is to create value for our employees customers shareholders and communities to grow through differentiation agility and innovation We are looking for top talent and your success is our success Accelerate your growth as you help us reach our goals and advance your career Be ready to make your mark a top company in an exciting amp dynamic industry

Job Purpose

To manage and grow relationships with large and strategic clients within the assigned portfolio in the Retail & Consumer Goods segment of Wholesale Banking. Drive new business origination while ensuring full compliance with Credit and Risk frameworks. Improve service quality levels and supervise the day to day activities and client interactions of subordinates to ensure the team consistently meets its objectives and achieves revenue targets while maintaining strong client satisfaction and portfolio credit quality. Promote effective cross functional collaboration to deliver integrated financial solutions. Achieving financial targets and strategic objectives will be essential in driving sustainable growth and maintaining profitability.

Key Accountabilities

Business Origination

• Originate new business opportunities with target clients across banking products and in line with relevant policies.
• Obtain support from relevant stakeholders and governance forums to execute deals, e.g., credit products, GT, Draft Term Sheets, Information Memorandums, Mandate letters, etc.
• Examine and resolve credit market and operational risk aspects of transactions in collaboration with products and enablement units.
• Leverage FAB’s network expansion through cross border deals.
• Expand Products Penetration Through Sector-Focused Solutions.
• Ensure high returns with satisfactory yields and sufficient ancillary business.
• Maintain the credit quality of the client’s relationships within the Portfolio to an acceptable level set by the Bank’s management.
• Pitch, review, negotiate and conclude deals.
• Develop and maintain strong relationships with key decision makers in other banks to originate business.
• Stay up to date with the latest market, competitors, regulatory and industry and amend the account plans accordingly when applicable.
• Ability to handle sophisticated transactions and engage assigned team members.
• Recommend policy amendments as when required to match with the latest business trends.

Client Relationship Management

To achieve assigned financial and non-financial objectives by meeting all borrowing and non-borrowing needs of customers with target segments (e.g., borrowers, transactors, depositors).

• Prepare and Maintain Group Account Plans for all clients with support from relevant partners (e.g., products, international banking, employee banking, asset management, etc.).
• Act as the main point of contact for clients ensuring quality service and effective resolution of issues.
• Prepare briefing note memos ahead of senior management meetings with clients.
• Engage with internal stakeholders to obtain approvals for client RFPs in a timely manner.
• Increase wallet share with existing clients through strategic engagement and product penetration.
• Support the conduct of annual periodic credit facility reviews in the existing portfolio in a timely manner and support on the recommendation of appropriate credit facilities in line with the bank's credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/upgrades.
• Develop, implement and maintain complete control aspects (i.e., documentation, periodical client visits, call reports, stock inspections, and formal credit checks).
• Provide informal market feedback to monitor the assigned portfolio effectively.
• Organize client meetings with relevant partners, seniority to deepen FAB relationship within the portfolio.
• Identify and develop cross selling opportunities and increase cross-sell ratio and returns with clients.
• Support client on their day-to-day banking requirements with support from the team as applicable.
• Ensure customer satisfaction remains high and meets the targeted NPS score.
• Be knowledgeable on market trends and manage a disciplined marketing process by identifying steps strategies necessary to effectively initiate relationships with prospects.
• Onboard new clients as and when required.

Collaboration

Align with Retail & Consumer Goods team as well as other partners to identify and convert opportunities. Collaborate with other business divisions to drive cross-BU collaboration. Develop proposition strategy, competition analysis, focused group approach, service delivery model, customer experience, internal & external campaigns and alignment with other Products & proposition including Risk policies, Payment & Cash management, Trade products collaboration with Retail banking including Private Banking, etc. Align with International banking to support client in FAB network locations. Support Unit Divisional Bank-wide initiatives as required or assigned.