Relationship Manager

ADIB - Abu Dhabi Islamic Bank; Dubai; On-site; AED 279,000 - 446,000; Full time

Job summary

ADIB - Abu Dhabi Islamic Bank is seeking a Relationship Manager in Dubai to strengthen relationships with elite clients while growing liabilities, FX, and fees. The role involves proactive cross-selling, risk awareness, and ensuring compliance with UAE central bank regulations.

You will report to management on portfolio performance and opportunities for growth. You will manage client visits, collaborate with internal teams, and maintain high standards of service and professionalism across

Qualifications

• 4 years of banking or financial services experience, focusing on relationship management and portfolio growth.
• Excellent knowledge of business banking, trade products, and foreign exchange rates.
• Strong communication and interpersonal skills.
• Proficiency in customer complaint resolution and service delivery.

Responsibilities

• Achieve assigned financial and non-financial objectives.
• Manage and grow the portfolio emphasizing liabilities, FX, fees, and trade transactions while meeting targets.
• Identify cross-selling opportunities to enhance revenue streams.
• Maintain awareness of AML/compliance with UAE central bank policies.
• Address customer complaints promptly and provide excellent service.
• Communicate regularly with elite clients to foster growth and satisfaction.
• Maintain professionalism and ethical standards in all interactions with clients and internal stakeholders.
• Collaborate with internal teams and partners to serve clients effectively.
• Monitor risk parameters and perform due diligence to ensure compliance.
• Stay updated on banking products and industry trends and participate in development opportunities.

Skills

Relationship management

Portfolio growth

Cross-selling

AML/compliance awareness

Communication skills

Client servicing

Stakeholder collaboration

Education

Bachelor's degree in finance or business

Job description

Role: Relationship Manager

Location: Dubai

Role Purpose

The Relationship Manager will focus on improving relationships with elite clients while overseeing operational tasks and driving growth in liabilities, FX, and fees to surpass financial targets annually. Proactively identifying cross-selling opportunities to boost product revenue is crucial, alongside mitigating risks by maintaining extensive awareness of anti-money laundering regulations and compliance with UAE central bank policies.

Key Accountabilities of the role

Portfolio Growth and Financial Targets

• Achieve assigned financial and non-financial objectives.
• Manage and grow the portfolio effectively, emphasizing increases in liabilities, FX, fees, and trade transactions while meeting overall financial targets.
• Ensure portfolio growth compared to the previous year.
• Identify and capitalize on cross-selling opportunities to enhance revenue streams.
• Implement strategies to maximize portfolio growth while minimizing risk, conducting regular SWOT analyses.
• Focus on cross-selling to increase product share per customer, maximizing revenue from the existing portfolio.
• Target high transactional and high-value balance companies for onboarding.
• Conduct regular visits and calls with clients to maintain rapport and identify new business opportunities.
• Report on portfolio activities, achievements, and challenges to management, providing feedback and suggestions for improvement.
• Proactively seek new business opportunities and referrals from existing clients.
• Conduct financial assessments accurately to understand clients’ needs and risk tolerance.
• Identify and cultivate new business relationships with potential clients through networking and prospecting activities.

Client Relationship Management and Customer Service

• Address customer complaints promptly and provide excellent service.
• Serve all clients with a particular focus on the elite
• Communicate regularly with clients to foster growth and satisfaction, addressing complaints promptly and providing excellent service.
• Utilize various communication channels to maintain strong client relationships, focusing on the elite segment.
• Enhance relationships with business banking customers, prioritizing the elite segment in financial and service aspects.
• Maintain professionalism and ethical standards in all interactions with clients and internal stakeholders

Portfolio Risk Monitoring

• Maintain awareness of risk parameters including AML, compliance, and regulations.
• Provide necessary inquiries and documents to the compliance department.
• Identify and assess potential risks or suspicious activities.
• Monitor customer transactions for signs of risk or non-compliance.
• Conduct ongoing due diligence and update customer records accordingly.
• Review and update client profiles and risk ratings regularly to ensure accuracy and compliance.

Professional Development and Adaptability

• Stay updated on banking products, services, and industry trends.
• Participate in training and development opportunities.
• Demonstrate flexibility to adapt to changing needs, including working in multiple locations.
• Collaborate effectively with internal teams and partners.
• Adhere to organizational policies and regulatory guidelines.

Specialist Skills / Technical Knowledge Required for this role

• Bachelor's degree in finance, Business Administration, or related field.
• 4 years of banking or financial services experience, focusing on relationship management and portfolio growth.
• Excellent knowledge of business banking, trade products, and foreign exchange rates.
• Strong communication and interpersonal skills.
• Proficiency in customer complaint resolution and service delivery.
• Ability to collaborate with internal teams and adapt to changing needs.

Previous experience required (if any)

• 4 years of banking or financial services experience, focusing on relationship management and portfolio growth.