Relationship Manager - Business Banking

Emirates Islamic Bank; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading Islamic bank in the UAE is seeking a dedicated professional to acquire New-To-Bank clients and manage SME deposit relationships. Ideal candidates will have over 5 years of experience in SME liabilities and a bachelor's degree. The role involves team leadership, market analysis, and ensuring compliance with regulatory requirements. This position offers competitive compensation, a strong focus on work-life balance, and various employee benefits including private healthcare and development opportunities.

Benefits

Competitive salary package

Generous annual leave entitlement

Private Healthcare

Preferential banking facilities for employees

Qualifications

• Bachelor graduate.
• Experience in SME Liabilities & Trade (over 5 years).

Responsibilities

• Acquire New-To-Bank clients focusing on high-value deposits.
• Manage a team of RM/RO/CSRs in absence of Unit Head.
• Conduct regular reviews of the assigned SME customer portfolio.

Skills

Experience in SME Liabilities & Trade

Bachelor's degree

Job description

Job Responsibility

• Acquire New-To-Bank clients with focus on high value deposit customers to bring budgeted NNM to the bank and also maintain profitable SME liability/deposits relationships which will help to meet the individual and Unit targets.
• Seek out opportunities to actively market “NTB” SME relationships in line with bank’s policy and procedures / sharia laws.
• Regularly review the market trends to identify profitable opportunities in selected segments in line with Bank’s overall policy and risk appetite.
• Manage in absence of the Unit Head, a team of RM/RO/CSRs and provide leadership to Business Banking RMs and ROs to acquire and grow relationships selectively and satisfy transactional needs of Business Banking customers.
• Undertake regular reviews of the assigned SME customer portfolio and update KYC to ensure compliance with regulatory requirements.
• Identify and analyze the areas of potential risk under the portfolio and find appropriate solutions.
• Keep aware of market trends, competitors’ offerings, and latest products development.
• Implement agreed relationship management approaches in order to project the Bank’s image in the market and achieve targeted volumes/revenues.
• Ensure effective utilization of accounts opened in order to maximize liabilities targets identified (Casa, Fixed Deposits). Identify loss making customers and devise ways to improve their profitability (cross‑selling, up‑selling or encourage to leave – Exit). Continuously seek to increase revenue margins to be generated from customers.
• Ensure permanent profitable customer transactions vis‑a‑vis the associated risks. Recognize early warning signals of unsatisfactory account conduct.
• Adhere and comply with EI’s internal applicable policies and procedures as well as governing regulations issued by concerned authorities.
• Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines. Monitor money laundering activities, and coordinate remedial actions with management.

Job Skills & Qualifications

• Bachelor graduate
• Experience in SME Liabilities & Trade (over 5 years)

What we offer you

• Competitive salary package
• Strong emphasis on work‑life balance and wellbeing across the bank
• World‑class Learning & Development platform and career development
• Generous annual leave entitlement and Private Healthcare
• Preferential banking facilities for employees

EIB

Emirates Islamic was launched in 2004 to deliver the highest standards of banking services in line with Shari’a principles.

As one of the leading Islamic banks in the UAE, Emirates Islamic offers exciting career opportunities for highly motivated professionals and graduates. At Emirates Islamic, we believe that our Employees are our biggest asset and we continuously invest in Talent Management & Training and Development programmes to help them excel professionally and achieve success in their chosen career.

Emiratization is a key strategic objective at Emirates Islamic. We provide training to talented, young Emaratis under dedicated programmes that shape their ambition, passion & commitment and guide them to become the future leaders of the organization as well as the overall financial sector.

We are driven by our values of Innovation, Customer Service, Ambition & Ownership and are always looking for talent to add to our diverse work environment comprising of over 60 nationalities.