Relationship Officer

Tawteen; Muscat; On-site; OMR 18,000 - 30,000; Full time

Job summary

Tawteen in Oman seeks an experienced Banking professional to lead business development and manage a portfolio of SME customers. You will identify opportunities, develop annual plans and budgets, and promote liability products to hit targets while aligning with bank strategy.

You will ensure risk and compliance, drive process improvements and digital solutions, mentor junior staff, and stay updated on products and industry trends.

Qualifications

• Omani nationality only.
• Bachelor's Degree in Business Administration, Finance, Banking, Accounting, Economics, or related field.
• Minimum 5 years of banking experience, preferably in SME Banking, Business Banking, or Retail Relationship Management.
• Experience in liability products, customer acquisition, and portfolio management is preferred.

Responsibilities

• Identify potential clients and develop income-generating opportunities in defined markets and industries.
• Create and maintain an annual business plan and sales budget for the assigned portfolio.
• Promote liability products to meet sales targets and contribute to overall branch and departmental performance.
• Manage a portfolio of SME customers to ensure account profitability and client retention.
• Conduct regular client reviews and propose solutions that meet customer needs and align with Bank strategy.
• Maintain high levels of customer satisfaction and handle queries and complaints in a timely manner.
• Ensure compliance with the Bank's Group Credit Policy, operational guidelines and regulatory requirements.
• Monitor account activities, identify risk exposure and escalate potential issues appropriately.
• Ensure documentation is accurate and complete for all customer accounts.
• Drive continuous improvement through innovation, automation and digital solutions where needed.
• Collaborate with internal teams to ensure smooth processing of transactions and service delivery.
• Maintain accurate records and reports of client activities and performance against targets.
• Stay updated on Bank products, services and industry trends.
• Participate in learning and development initiatives to build professional capabilities.
• Mentor junior staff and contribute to knowledge sharing across the team.
• Drive continuous process improvement through innovative automated and digital solutions once required.
• Ensure adherence to the bank's policies, regulatory requirements and industry standards in all operational activities.
• Continually update oneself through knowledge acquisition on-the-job training or project involvement.
• Advocate and support others to do the same.

Skills

Business development

Relationship management

Portfolio management

Risk & compliance

Process improvement

Digitalization

Leadership

Education

Bachelor's Degree

Job description

Responsibilities

Business Development

• Identify potential clients and develop income-generating opportunities in defined markets and industries
• Create and maintain an annual business plan and sales budget for the assigned portfolio
• Promote liability products to meet sales targets and contribute to overall branch and departmental performance

Portfolio & Relationship Management

• Manage a portfolio of SME customers to ensure account profitability and client retention
• Conduct regular client reviews and propose solutions that meet customer needs and align with Bank strategy
• Maintain high levels of customer satisfaction and handle queries and complaints in a timely manner

Risk and Compliance

• Ensure compliance with the Bank's Group Credit Policy, operational guidelines and regulatory requirements
• Monitor account activities, identify risk exposure and escalate potential issues appropriately
• Ensure documentation is accurate and complete for all customer accounts

Operational Excellence

• Drive continuous improvement through innovation, automation and digital solutions where needed
• Collaborate with internal teams to ensure smooth processing of transactions and service delivery
• Maintain accurate records and reports of client activities and performance against targets

Learning & Development

• Stay updated on Bank products, services and industry trends
• Participate in learning and development initiatives to build professional capabilities
• Mentor junior staff and contribute to knowledge sharing across the team

Process Innovation, Automation & Digitalization

• Drive continuous process improvement through innovative automated and digital solutions once required

Business Control & Governance

• Ensure adherence to the bank's policies, regulatory requirements and industry standards in all operational activities

Self People Development & Continuous Learning

• Continually update oneself through knowledge acquisition on-the-job training or project involvement
• Advocate and support others to do the same

Qualifications

Omani Nationality only

Bachelor's Degree in Business Administration, Finance, Banking, Accounting, Economics, or a related field.

Minimum 5 years of banking experience, preferably in SME Banking, Business Banking, or Retail Relationship Management.

Experience in liability products, customer acquisition, and portfolio management is preferred.