Senior SME Relationship & Liabilities Manager

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

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.