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 is looking for a candidate to manage and grow a portfolio of customers. Responsibilities include building strong customer relationships, achieving revenue targets, and cross-selling banking products. The ideal candidate will have at least 3 years of experience in business banking and a Bachelor's degree in a relevant field. This full-time role does not offer remote work.

Qualifications

• Minimum 3 years relevant experience in banking managing customer portfolios.
• Strong communication skills to handle client interactions effectively.
• Understanding of banking regulations and compliance.

Responsibilities

• Manage a portfolio of 400-500 customers, enhancing client relationships.
• Achieve monthly and annual KPI objectives for portfolio revenue.
• Cross-sell banking products to improve product penetration.

Skills

Customer relationship management

Financial analysis

Sales skills

Education

Bachelor's Degree in Business Administration, Finance, Banking

Job description

The role will primarily focus on managing and growing portfolio revenue and income from both borrowing and non-borrowing customers under the Virtual Relationship Unit within 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 banks portfolio

Financials

• Manage portfolio of 400-500 customers comprising of customers primarily non borrowing customers
• Achieve monthly & annual KPI objectives (Portfolio Revenue X-sell and Activations)
• Cross sell bank products (New accounts Assets Trade FX and Bancassurance) to increase product penetration across customer portfolio.
• Refer and upgrade customers to other units within the CMB segment (POS MBBF TWC and cash Management related products)
• Ensure penetration in the market 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 with clients regularly to update them on new products services and market opportunities.
• Maintain consistent and proactive communication to anticipate client needs and address concerns.
• Collaborate with internal teams to implement changes based on feedback showcasing a commitment to client satisfaction.
• Identify opportunities to introduce clients to relevant banking products that align with their financial goals thereby adding value and enhancing customer loyalty.
• Actively contribute to initiatives aimed at improving NPS including quality of service turnaround times and problem resolution.
• Maintain accurate records of client interactions preferences and feedback to support personalized engagement and targeted solutions.

Compliance

• Ensuring the remediation of all KYC expired cases
• Ensure clients comply with the banks policies and procedures related to AML sanctions and other regulatory guidelines.
• Monitor ongoing transactions and flag any suspicious or unusual activity for further investigation.
  Collaborate with the Compliance and Risk departments to ensure adherence to evolving regulatory requirements.
• Conduct customer due diligence (CDD) and enhanced due diligence (EDD) based on client risk profiles.
• Regularly update and review KYC information for both new and existing clients ensuring all information is accurate and up to date.

Learning & Growth

• Participate in the assigned People Development and Learning & Development programes.

• Take accountability for own development by active enrolment and participation with close coordination with respective Unit Manager
• To ensure participation in assigned training Learning & Development programes.
• Awareness to competition offerings and offer suggestions to line manager to improve product/ processes.

• Propose and recommend decisions as per the approved authorization matrix.
• Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks

Qualifications :

Minimum Qualification

• Bachelors Degree in Business Administration Finance Banking or a related major field of study is preferred

Minimum Experience

3 years relevant experience in the Corporate Commercial or Business Banking in similar positions of managing customer base in the identified target segment

Remote Work :

No

Employment Type :

Full-time