Senior Relationship Manager Emirati Gold Injaz - RBG - Emirati Deposits Team - Retail Banking Group

Mashreqbank PSC; United Arab Emirates; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading financial institution in the United Arab Emirates is seeking a professional to drive the acquisition and growth of the Lease Rental Discounting (LRD) portfolio. This role involves identifying new business opportunities, managing client relationships, and ensuring adherence to credit and regulatory guidelines. The ideal candidate will have a deep understanding of real estate financing, strong client engagement skills, and expertise in market analysis. The position offers a dynamic work environment with a focus on profitability and long-term growth.

Qualifications

• Deep understanding of real estate-backed financing.
• Ability to identify and convert leads into active clients.
• Proficient in analyzing market trends and competitor offerings.

Responsibilities

• Originate new LRD transactions by identifying prospects.
• Achieve portfolio growth targets as per annual business plan.
• Deepen existing relationships by offering customized financing solutions.

Job description

To drive the acquisition, origination, and profitable growth of the Lease Rental Discounting (LRD) portfolio by identifying and converting new business opportunities, strengthening client relationships, and executing go-to-market strategies aligned with the bank’s objectives. The role ensures adherence to credit quality, market competitiveness, and long-term profitability.

Responsibilities

• Business Acquisition & Growth
• Originate new LRD transactions by identifying prospects and converting leads into active clients.
• Achieve portfolio growth targets as per annual business plan.
• Client Relationship Management
• Deepen existing relationships by offering customized financing solutions and cross-sell opportunities.
• Maintain high levels of client satisfaction and engagement.
• Credit and Risk Management
• Ensure adherence to credit policies, underwriting standards, and regulatory requirements.
• Work closely with the credit team to structure transactions with acceptable risk profiles.
• Market Intelligence and Strategy Execution
• Analyze market trends, competitor offerings, and regulatory changes to identify new opportunities and risks.
• Contribute to product enhancement and pricing strategy.
• Profitability and Asset Quality
• Monitor portfolio health, delinquencies, and renewals to maintain asset quality.
• Drive profitability through sound structuring and efficient execution.

Qualifications

The role operates in a dynamic, fast-paced financial environment with evolving client needs and regulatory guidelines. It requires deep understanding of real estate-backed financing, client behavior, and macroeconomic factors affecting leasing and commercial real estate.

Framework and Boundaries

Operates within the bank’s policies, risk appetite, regulatory guidelines (CBUAE norms), and standard operating procedures. Accountable for compliance with KYC/AML regulations, internal audit guidelines, and governance protocols. Coordinates with credit, legal, operations, and risk teams within defined authority limits.

Working Relationships

Internal

• Credit & Risk Team – for deal appraisal and structuring
• Legal & Compliance – for documentation and regulatory adherence
• Product & Strategy Teams – for product enhancements and pricing
• Operations – for disbursement and portfolio monitoring