Virtual Relationship Officer - Emiratized Role

First Abu Dhabi Bank; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading financial institution in Dubai seeks a Virtual Relationship Officer to manage and grow a portfolio of non-borrowing customers. This role involves ensuring compliance with banking regulations, fostering strong customer relationships, and achieving revenue targets through effective cross-selling of products. Qualified candidates will have a Bachelor's degree in relevant fields and at least three years of experience in a banking environment.

Qualifications

• Minimum of 3 years' relevant experience in Corporate, Commercial, or Business Banking managing customer segments in similar roles.
• Strong analytical skills to assess customer needs.
• Ability to engage customers proactively and develop tailored solutions.

Responsibilities

• Manage and grow portfolio revenue from non-borrowing customers.
• Cross-sell bank products to enhance customer portfolio.
• Ensure compliance with AML and KYC regulations.
• Maintain accurate records and contribute to client satisfaction.

Skills

Customer relationship management

KYC compliance

Communication skills

Sales acumen

Education

Bachelor’s Degree in Business Administration, Finance, Banking, or a related field

Job description

Virtual Relationship Officer - Emiratized Role

• Full-time
• Division: Personal, Wealth & Business Banking

FAB, the UAE's largest bank and one of the world's most secure financial institutions, is dedicated to creating value for its employees, customers, shareholders, and communities. Through innovation, agility, and differentiation, FAB is committed to fostering growth.

We are looking for top talent, and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark at a top company in an exciting and dynamic industry.

The role will primarily focus on managing and growing portfolio revenue and income from both borrowing and non-borrowing customers within the Virtual Relationship Unit in the CMB segment. Additionally, the role emphasizes building and maintaining strong customer relationships, ensuring personalized service, and contributing to the overall profitability and long-term sustainability of the bank’s portfolio.

• Manage a portfolio of 400-500 customers, primarily non-borrowing customers.
• Achieve monthly and annual KPI objectives (Portfolio, Revenue, Cross-sell, and Activations).
• Cross-sell bank products (New accounts, Assets, Trade, FX, and Bancassurance) to increase product penetration across the customer portfolio.
• Refer and upgrade customers to other units within the CMB segment (POS, MBBF, TWC, and Cash Management products).
• Ensure market penetration through focus on New-to-Bank referrals from existing customers.
• Focus on activation and management of dormant/inactive customers.
• Maintain Daily Sales Reports on business performance for review.

Customers

• Serve as the primary point of contact for clients, providing timely support and expert advice to address their banking needs.
• Engage regularly with clients to update them on new products, services, and market opportunities.
• Maintain proactive communication to anticipate client needs and address concerns.
• Collaborate with internal teams to implement changes based on feedback, demonstrating a commitment to client satisfaction.
• Identify opportunities to introduce clients to relevant banking products that align with their financial goals, adding value and fostering loyalty.
• Contribute to initiatives aimed at improving NPS, including service quality, turnaround times, and problem resolution.
• Maintain accurate records of client interactions, preferences, and feedback for personalized engagement and targeted solutions.

Compliance

• Ensure the remediation of all KYC expired cases.
• Ensure clients comply with the bank’s policies and procedures related to AML, sanctions, and other regulations.
• Monitor transactions for suspicious activity and collaborate with Compliance and Risk departments.
• Conduct customer due diligence (CDD) and enhanced due diligence (EDD) based on risk profiles.
• Regularly update and review KYC information for clients.

Learning & Growth

• Participate in People Development and Learning & Development programs.
• Take accountability for personal development through active participation and coordination with the Unit Manager.
• Participate in relevant training programs.
• Stay aware of competitors’ offerings and suggest improvements to products/processes.
• Propose decisions within the authorized framework.
• Operate within Group policies and governance frameworks.

• Bachelor’s Degree in Business Administration, Finance, Banking, or a related field is preferred.

Minimum of 3 years’ relevant experience in Corporate, Commercial, or Business Banking managing customer segments in similar roles.

Job Location

To be specified.