Senior Relationship Manager Business Banking

Mashreq Bank; United Arab Emirates; On-site; AED 150,000 - 200,000; Full time

Job summary

A leading financial institution in the United Arab Emirates is seeking a Senior Relationship Manager for Business Banking. The role involves managing existing Small Enterprise relationships, sourcing new clients, and meeting financial objectives. Candidates should have over 7 years of relevant banking experience, excellent communication skills, and a positive attitude. Strong relationship management and compliance adherence are crucial. This full-time position offers significant opportunities for advancement.

Qualifications

• At least 7 years of relevant banking experience in local or international market.
• Advanced vocational know-how of Credit, Trade, Operating system, Legal.
• Strong work ethic and a good team player.

Responsibilities

• Manage a set of existing Small Enterprise (SE) relationships.
• Conduct annual credit facility reviews in the existing portfolio.
• Liaise with superiors and direct reports to achieve business objectives.

Skills

Banking Sales & service experience

Excellent communication and negotiation skills

Positive attitude

Education

MBA/CA or relevant experience

Job description

Senior Relationship Manager - Business Banking

United Arab Emirates (Fulltime office (FTO))

Job Description

Manage a set of existing Small Enterprise (SE) relationships and originating new SE relationships in business communities around branch locations.To achieve assigned financial and non financial objectives by meeting all borrowing & non borrowing needs of customers with target segments (Viz. borrowers, transactors, depositors).Actively source new-to-bank customers and generate new business leads from walk-in customers. Manage all customers focusing on relationship Management & up-selling/ deep-selling/ cross selling other bank products. Seamlessly takeover new relationships originated by DS & relationships downgraded by ME team using defined customer on-boarding procedure.Constantly identify opportunities to upgrade customers to ME category by identifying customer's needs & profiling.Responsible for quality & soundness of assigned SE portfolio (KYC reviews, monitoring for due diligence, anti money laundering procedures etc).

Responsibilities

• Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing & non-borrowing accounts by cross-selling complete range of banking products.
• Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.
• Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/ upgrades.
• Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit related issues.
• Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.
• Screen the market for NTB opportunities.
• Liaise between internal and external advisors to ensure precision of agreements.
• Develop on the job learning curve of SSO to enable them to grow professionally and prepare them for higher levels of responsibility.
• Liaise with superiors and direct reports within the business units, Risk Management and related enabler units within the bank to achieve business objectives.
• Achieve assigned financial and non financial targets.
• Adhere to all the compliance & regulatory policies with regards to KYC/ AML etc as set out by the bank from time to time.
• Update branch manager and regional SE manager on regular / weekly for better controls on sales and relationship management.
• Regularly upgrade existing SE customers to ME segment by offering need based solution as per client's profile & requirements.

Qualifications

• Banking Sales & service experience with proven relationship management qualities.
• Requires advanced vocational knowhow of the subject matter (viz. Credit, Trade, Operating system, Legal, etc)
• Excellent communication and negotiation skills.
• At least 7 years + relevant banking experience in local or international market
• MBA/CA or if a regular graduate needs to possess adequate relevant experience.
• Positive attitude, strong work ethic and a good team player.

Job Info

• Job Identification 4504
• Job Category MashreqBank
• Posting Date 01/29/2026, 08:22 AM
• Apply Before 02/28/2026, 12:00 AM
• Job Schedule Full time
• Locations United Arab Emirates (Fulltime office (FTO))