Team Manager, Business Banking

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

Job summary

A leading financial institution in the UAE is seeking a Trade and Working Capital Manager to oversee client relationships and enhance revenue. Responsibilities include managing a team, acquiring new clients, and ensuring compliance with banking regulations. The ideal candidate will have at least 10 years of banking experience, strong leadership skills, and a solid understanding of credit policies.

Qualifications

• Minimum 10 years of relevant banking experience in local or international markets.
• Requires advanced vocational know-how of Credit, Trade, and Operating Systems.
• Complete knowledge and understanding of the Bank's credit policy.

Responsibilities

• Acquire and build a portfolio of relationship clients.
• Drive team to enhance relationship revenue through cross-selling.
• Manage existing Trade and Working Capital relationships.
• Ensure compliance with KYC/AML policies.

Skills

Excellent communication

Negotiation skills

Analytical skills

Team leadership

Education

MBA or CA

Relevant banking experience

Job description

Overview

Lead and manage Trade and Working Capital and Merchant overdraft business constituting a team of RMs and ARMs. Actively work with Unit Manager and support the RMs in meeting their pre-set financial and non-financial objectives.

Responsibilities

• Acquire and build a portfolio of relationship clients through Trade, working capital, Term loan and Merchant overdraft, Loans and other Front end revenue products within the defined target market of Business Banking
• Drive the team on enhancing relationship revenue from new and existing portfolio of borrowing and non-borrowing accounts by cross-selling and up-selling products.
• Manage existing Trade and Working Capital, MOD relationships.
• Responsible for the assigned assets, revenue and liabilities targets.
• Ensuring that the Risk reward equation is maintained by charging optimum pricing as per the segment.
• Responsible for quality and soundness of existing TWC/MOD/SBL portfolio (Monitoring all assets products maturities, KYC reviews, monitoring for due diligence, anti-money laundering procedures etc.)
• Identify and segments target market and develop new business to broad base the portfolio and pursue growth opportunities.
• Actively provide deal support to the RMs in structuring and product suitability
• Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.
• Liaise with superiors and direct reports within the business unit, Risk Management and related enabler units within the bank to achieve business objectives.
• Adhere to all compliance & regulatory policies with regards to KYC/AML etc as set out by the bank from time to time.

Qualifications

• Complete knowledge and clear understanding of the Bank's credit policy, operating systems and focus on the Small Business Segment.
• Banking Sales & service experience with proven Team Leader qualities
• Requires advanced vocational know-how of the subject matter (viz. Credit, Trade, Operating System, Legal, etc…)
• Excellent communication, negotiation and analytical skills.
• Minimum 10 years + relevant banking experience in local or international market.
• MBA/CA or if a regular graduate needs to possess adequate relevant experience.