Relationship Manager, GRE & Strategic Relationships (Emirati Talent)

Job Purpose

Business Development & Sales Growth

• Develop and execute strategies to grow deposits, expand customer relationships, and enhance portfolio profitability.
• Manage and grow a portfolio of
• *GRE and Strategic relationships*
• clients in line with business objectives.
• Identify new business opportunities through market research, client engagement and competitor analysis.
• Drive customer acquisition and deepen existing relationships tailored banking solutions.
• Promote Cross-Sell/ Upsell all Corporate banking products including WC, Loans, Trade & Supply chain and Cash Management solutions and all relevant products of the bank.
• Contribute to the achievement of team and individuals’ sales targets while maintaining strong client service standards.

Customer & Relationship Management

• Build and maintain strong relationship with existing and new clients
• Ensure high levels of customer satisfaction through excellent service delivery
• Act as a trusted advisor by understanding client needs and offering appropriate financial solutions.
• Address customer queries, concerns and complaints in a timely manner

Portfolio & Deposit Management

• Manage the assigned portfolio to optimize deposit mix, focusing on CASA growth and cost of funds efficiency.
• Coordinate with Treasury on pricing, rate negotiations, and obtaining necessary approvals in line with Delegation of Authority (DOA).
• Proactively monitor deposit maturities and ensure timely renewals to minimize attrition and retain client funds.
• Ensure accurate and timely booking of deposits in coordination with operations and back-office teams.
• Track portfolio performance and implement corrective actions to achieve business targets.

Stakeholder & Internal Coordination

• Collaborate with internal stakeholders including Treasury, Operations, Compliance, and Credit to ensure smooth execution of transactions.
• Act as the key liaison between clients and internal departments to resolve issues efficiently.
• Ensure timely follow-up on approvals, documentation, and transaction processing.
• Support cross-functional initiatives to enhance client experience and operational efficiency.

Portfolio Monitoring & Reporting

• Prepare regular portfolio reviews, MIS reports, and performance updates for management.
• Monitor key performance metrics such as deposit growth, profitability, and client engagement.
• Identify underperforming accounts and develop action plans to improve performance.
• Maintain accurate and up-to-date client records and documentation.

Compliance & Risk Management

• Ensure adherence to bank policies, regulatory requirements, KYC/AML guidelines
• Monitor and mitigate risks related to deposits accounts and fraud prevention
• Conduct periodic reviews and report any suspicious transactions or activities in line with regulatory requirements.

Operational Excellence & Process Improvement

• Ensure compliance with operational procedures and service level agreements (SLAs).
• Identify process gaps and recommend improvements to enhance efficiency and reduce operational errors.
• Support digital transformation initiatives related to client servicing and deposit booking processes.
• Ensure timely escalation of issues and implementation of corrective actions.

Experience & Qualifications

• Bachelor's degree in finance, business, or a related field (MBA preferred)
• 5+ years in corporate banking, or financial services, with a proven track record in sales and relationship management Strong understanding of liability management, including CASA, Term Deposits (FD/Wakala), and cost of funds optimization.
• Strong understanding of UAE banking market dynamics, including EIBOR trends and competitive deposit pricing.
• In-depth knowledge of banking regulations, compliance frameworks, and KYC/AML requirements.
• Proven ability to grow and manage large deposit portfolios, particularly within GRE and Strategic Relationship segments.
• Expertise in pricing negotiation and structuring deposit solutions in coordination with Treasury, within Delegation of Authority (DOA) frameworks.
• Strong experience in developing and executing liability-driven business strategies aligned with market conditions.
• Advanced relationship management skills, with the ability to engage senior stakeholders and decision-makers.