Relationship Officer - Muscat

ahlibank SAOG; Muscat; On-site; OMR 42,000 - 72,000; Full time

Job summary

ahlibank SAOG in Muscat seeks an experienced Business Development professional to grow the SME client base, promote liability products, and manage a profitable portfolio.

The role focuses on acquiring clients, building an annual business plan and sales budget, and ensuring high customer satisfaction while complying with regulatory requirements.

You will mentor junior staff and drive process improvements through digital solutions and collaboration with internal teams.

Qualifications

• Omani nationality required.
• Bachelor's degree in the specified fields.
• 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 department 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.
• 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.

Skills

Business Development

Client Relationship Management

Strategic Planning

Risk Management

Process Improvement

Education

Bachelor's Degree in Business Administration, Finance, Banking, Accounting, Economics

Job description

Muscat, Sultanate of Oman | Posted on 25/08/2026

KEY RESPONSIBILITIES:

Responsibilities

Business Development

• Identifypotential clients and develop income-generating opportunities in definedmarkets and industries.
• Create andmaintain an annual business plan and sales budget for the assigned portfolio.
• Promoteliability products to meet sales targets and contribute to overall branch anddepartmental performance.
• Manage aportfolio of SME customers to ensure account profitability and clientretention.
• Conductregular client reviews and propose solutions that meet customer needs and alignwith Bank strategy.
• Maintainhigh levels of customer satisfaction and handle queries and complaints in atimely manner.

Risk and Compliance

• Ensurecompliance with the Bank’s Group Credit Policy, operational guidelines, andregulatory requirements.
• Monitoraccount activities, identify risk exposure, and elevate potential issuesappropriately.
• Ensuredocumentation is accurate and complete for all customer accounts.

Operational Excellence

• Drivecontinuous improvement through innovation, automation, and digital solutionswhere needed.
• Collaboratewith internal teams to ensure smooth processing of transactions and servicedelivery.
• Maintainaccurate records and reports of client activities and performance againsttargets.

Learning & Development

• Stayupdated on Bank products, services, and industry trends.
• Participatein learning and development initiatives to build professional capabilities.
• Mentorjunior staff and contribute to knowledge sharing across the team.

Process Innovation, Automation & Digitalization:

• Drivecontinuous process improvement through innovative, automated, and digitalsolutions once required

Business Control & Governance

• Ensureadherence to the bank's policies, regulatory requirements, and industrystandards in all operational activities.
• Continuallyupdate oneself through knowledge acquisition, on-the-job training, or projectinvolvement; advocate and support others to do the same.

Requirements

• Omani Nationality only
• Bachelor'sDegree in Business Administration, Finance, Banking, Accounting,Economics, or a related field.
• Minimum5 years of banking experience, preferably in SME Banking, BusinessBanking, or Retail Relationship Management. Experience in liabilityproducts, customer acquisition, and portfolio management is preferred.