Head of Treasury, Retail & Wealth Sales.Sales - Retail & Wealth.Treasury and Capital Markets

Mashreq Bank; United Arab Emirates; On-site; AED 300,000 - 400,000; Full time

Job summary

A leading financial institution in the UAE is looking for a Treasury Sales Lead to oversee sales for Retail, Priority, and Wealth Management segments. You'll be responsible for revenue generation and product penetration across various Treasury products, ensuring disciplined pricing and superior client advisory. Ideal candidates should have a Master’s/Bachelor’s degree in Finance or related fields and significant experience in Treasury sales, demonstrating strong leadership skills. This role is pivotal in driving strategic growth within the organization.

Qualifications

• 10–12+ years in Treasury or Markets Sales, with at least 5 years leading Retail/WM coverage.
• Deep understanding of suitability, conduct, and product governance frameworks.

Responsibilities

• Lead the bank's Treasury sales business for Retail, Priority, and Wealth Management segments.
• Design and execute an effective coverage model integrating relationship-managed portfolios.
• Drive sales of Treasury solutions including FX, structured deposits, precious metals.
• Partner with Digital Banking to expand online FX and mobile Treasury platforms.
• Build alignment with Retail Banking, WM, Trading, Structuring, Risk, and Digital teams.

Skills

Strong technical grasp of FX

Revenue delivery

Risk management

Client advisory excellence

Stakeholder influence

Commercial acumen

Education

Master’s/Bachelor’s degree in Finance, Economics, or related discipline

ACI, CFA, or CFTe preferred

Job description

Job Purpose

Lead the bank’s Treasury sales business for the Retail, Priority, and Wealth Management segments, delivering end-to-end distribution of Treasury products across branch, relationship-managed, and digital channels.

Responsible for revenue generation, client coverage, and product penetration across Treasury-originated solutions including FX (spot, forwards, swaps, NDFs), rate and structured deposits, precious metals, and approved yield-enhancement or structured investment products.

The role ensures disciplined pricing, superior client advisory, strong control culture, and consistent alignment with regulatory and conduct standards.

Key Result Areas

• Revenue & Market Share: Achieve annual Treasury revenue targets for Retail & WM segments through active product distribution, tactical campaigns, and digital penetration.
• Coverage Strategy: Design and execute an effective coverage model integrating relationship-managed portfolios and self-service digital flows; define activity KPIs and accountability.
• Product Distribution: Drive sales of Treasury solutions including FX (spot, forwards, swaps, NDFs), rate-linked and structured deposits, precious metals, and yield-enhancement products (e.g., DCIs, range accruals, step-ups, and structured notes).
• Pricing & Execution: Define pricing parameters with Trading; approve exceptions within DOA to optimize spreads and client experience.
• Digital Channel Growth: Partner with Digital Banking and Marketing to expand online FX and mobile Treasury platforms, improve activation ratios, and enable data-driven targeting.
• Conduct & Risk Governance: Maintain a “low-risk” audit rating by embedding suitability, target-market definitions, KYC/AML, and conduct standards across all distribution channels.
• Stakeholder Management: Build alignment with Retail Banking, WM, Trading, Structuring, Risk, and Digital teams to ensure end-to-end delivery and continuous product improvement.
• Team Leadership & Capability: Recruit, coach, and motivate Treasury sales professionals; ensure readiness on product, advisory, and conduct certifications.
• Performance Management: Own MI dashboards, portfolio analytics, and client behavior insights to refine coverage and identify growth levers.

Knowledge, Skills and Experience

• Master’s/Bachelor’s degree in Finance, Economics, or related discipline; ACI, CFA, or CFTe preferred.
• 10–12+ years in Treasury or Markets Sales, with at least 5 years leading Retail/WM Treasury coverage.
• Strong technical grasp of FX, rates, structured deposits, and commodity-linked solutions.
• Proven record in revenue delivery, risk management, and client advisory excellence.
• Deep understanding of suitability, conduct, and product governance frameworks.
• Inspirational leadership, commercial acumen and stakeholder influence across cross-functional environments.