Relationship Manager - Business Banking -Liabilities

Emirates Islamic; Dubai; On-site; AED 210,000 - 260,000; Full time

Job summary

Emirates Islamic is seeking a Relationship Manager for SME Banking in Dubai to acquire high-value NTB deposits, deepen SME liabilities, and lead a team of RM/RO/CSRs to meet unit targets. The role emphasizes risk-aware relationship management within Sharia-compliant policies and regulatory guidelines.

You will identify profitable SME opportunities, ensure cross-selling where appropriate, and collaborate with audit and risk teams to maintain a compliant, profitable portfolio.

Qualifications

• Bachelor degree required.
• 5+ years of experience in SME Liabilities & Trade.

Responsibilities

• 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.
• Identify and analyze the areas of potential risk under the portfolio and find appropriate solutions.
• 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-à-vis the associated risks. Recognize early warning signals of unsatisfactory account conduct.
• Adhere and comply with EIs 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.

Education

Bachelor graduate

Job description

Job Description

To focus on acquiring small to medium customer relationships primarily concerned with liabilities booking, providing general and tailored advice/solutions to customers, maintaining a well structured portfolio in line with Bank’s risk and regulatory frameworks. Major responsibilities will also include enhancing revenue generation from existing and new relationships, providing high service standards and ensuring compliance with Bank’s polices and regulations.

Responsibilities

• Acquire New-To-Bank clients with focus on high value deposit customers to bring budgeted NNM(Net New Money) 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.
• Identify and analyze the areas of potential risk under the portfolio and find appropriate solutions.
• 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-à-vis the associated risks. Recognize early warning signals of unsatisfactory account conduct.
• Adhere and comply with EIs 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.

Qualifications

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

About Us

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.