Senior SME Remedial Relationship Manager

Rakbank; Dubai; Presencial; AED 350.000 - 520.000; Jornada completa

Descripción de la vacante

Rakbank is seeking an experienced Relationship Manager - SME Remedial to oversee a portfolio of stressed, delinquent, and restructured SME relationships. You will drive recoveries, manage remedial actions, and ensure compliance with credit policies and regulatory standards, while engaging customers and coordinating with Credit, Collections, and Legal teams.

The role emphasizes customer discussions, debt counselling, and negotiating repayment plans, with a focus on minimizing losses and improving

Formación

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics, or a related discipline.
• Professional qualifications in Credit, Risk Management, or Banking would be an advantage.

Responsabilidades

• Manage and support a portfolio of SME customers within the past due, restructured, and remedial segments.
• Conduct regular customer interactions to assess business performance, cash flow position, and repayment capacity.
• Build and maintain strong customer relationships while balancing customer needs with the Banks risk appetite.
• Act as the primary liaison between customers and internal stakeholders including Credit, Collections, Operations, Legal, and Compliance.
• Support customer meetings, debt counselling sessions, and repayment negotiations.
• Maintain accurate records of customer engagements, commitments, and remedial action plans.
• Ensure adherence to the Banks policies, regulatory requirements, and Code of Conduct.
• Monitor overdue accounts and follow up on customer payment commitments to support collection efforts.
• Develop and implement appropriate remediation, restructuring, and recovery strategies for distressed accounts.
• Gather and analyze financial information required for restructuring assessments and credit reviews.
• Monitor compliance with approved repayment plans, restructuring terms, and customer commitments.
• Coordinate with relevant stakeholders to facilitate timely execution of restructuring and recovery actions.
• Escalate delinquent accounts and high-risk situations in a timely manner.
• Work towards minimizing credit losses and maximizing recoveries across the portfolio.
• Conduct periodic portfolio reviews and identify early warning signals of credit deterioration.
• Prepare account review notes, restructuring recommendations, and remedial proposals for management approval.
• Monitor portfolio performance, delinquency trends, DPD movement, covenant compliance, and customer conduct.
• Implement risk mitigation measures and ensure adherence to approved action plans.
• Support customer classification, provisioning, and regulatory reporting requirements where applicable.
• Ensure compliance with internal credit policies, governance frameworks, and regulatory standards.
• Maintain portfolio trackers, performance dashboards, and customer account records.
• Prepare periodic management reports, overdue summaries, recovery updates, and portfolio reviews.
• Collaborate closely with Credit Risk, Legal, Collections, Operations, and Compliance teams to achieve portfolio objectives.
• Contribute to departmental initiatives aimed at improving portfolio quality, recoveries, and operational efficiency.

Conocimientos

Relationship management

Credit risk

Negotiation

Stakeholder management

Financial analysis

Customer engagement

Educación

Bachelor's degree in Finance or related

Herramientas

MS Office

Portfolio reporting tools

Descripción del empleo

Rakbank is seeking an experienced Relationship Manager - SME Remedial to oversee a portfolio of stressed, delinquent, and restructured SME relationships. You will drive recoveries, manage remedial actions, and ensure compliance with credit policies and regulatory standards, while engaging customers and coordinating with Credit, Collections, and Legal teams.

The role emphasizes customer discussions, debt counselling, and negotiating repayment plans, with a focus on minimizing losses and improving