Relationship Manager - SCA Accredited

About This Role

Relationship Manager - SCA Accredited

Embark on a journey where your unique contributions are celebrated, and your professional growth is embraced. At ADCB, we nurture a diverse, inclusive community where every voice is valued.

About the business area

The Retail Banking Group (RBG) supports retail and micro-business customers in managing their finances, through expert advice and the provision of a full suite of specialist products and services in conventional and Shari’ah compliant banking. The business is committed to driving digital innovation to deliver excellence in customer service. We are actively seeking an ambitious professional to join our Retail Banking team at ADCB to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking.

In this role, your key responsibilities include :

• Lead the identification of potential new clients, whilst maintaining and developing current client relationships, reviewing and recommending actions to be taken on identified changing/developing needs and requirements, reviewing the offered advice and guidance, to ensure it is value added, places the clients needs at the forefront and ensure the achievement of desired objectives of the Bank in line with the required standards
• Oversee potential new client leads obtained, leading the action taken that cultivate and converts them into new Privilege Club clients whilst continually growing the sustainable revenues from existing customers in order to achieve the Privilege Club growth and sales targets
• Manage the creation and development of effective plans that manage relationships, anticipates customer needs and provides superior quality services in order to achieve an increased wallet share and high Net Promotor Score (NPS)
• Direct the sourcing and implementation of Privilege Club product penetration to base assigned in order to maintain the claw back ratio within accepted tolerance level and achieve/exceed set targets
• Portfolio Management Oversee the customer portfolios, seeking new additions that fully understanding clients’ requirements, increase profitability and relationship depth whilst minimize risks in order to achieve desired targets through cross-sell, upsell and client retention to ensure a healthy portfolio
• Manage the optimization of potential value and profitability of existing relationships by reviewing and approving recommendations from conducted analysis of the delivery of appropriate solutions, products and services in order to meet customer needs, improve customer engagement and ensure best-in-class product offerings
• Maintain and cultivate an effective dialogue/working relationship with Risk Management teams in order to build a sustainable asset growth and ensure the implementation of updates and Banks requirements
• Lead the coordination and meeting with current and new customers within the portfolio to ensure their requirements are fully understood, products are sourced to fulfil their requirements, ensuring client satisfaction and retention
• oversee the management of each customer’s Know Your Customer (KYC) details to ensure they are updated in the Bank’s records and comply with Banks requirements
• Support in the development of departmental, Key Performance Indicators (KPIs), delegating responsibilities, tracking achievements and identifying areas requiring focus in order to deliver the set financial targets
• Manage self and team in line with ADCB’s people management policies, procedures, processes and practices to ensure adherence and to maximize own and employee contribution to business performance
• Manage the effective achievement of the team’s objectives through setting individual objectives, managing performance, developing the team and providing formal and informal feedback to maximize overall performance, engagement and motivation
• Recommend and implement improvements to departmental policies, procedures and processes covering all areas of activity so that all relevant procedural requirements are fulfilled while ensuring that ADCB delivers best-in-class services, products and innovation
• Identify opportunities to contribute to organizational and departmental change initiatives, programmers and projects taking into account best practice and standards in the business environment
• Demonstrate Our Promise and apply the ADCB Service Standards to deliver the Bank’s required levels of service in all internal and external customer interactions

The ideal candidate should have the following experience

• At least 6 years of Relationship Management experience in Banking/Financial Services industry
• Mandatory to have Securities and Commodities Authority (SCA) UAE Accredited, International Certificate in Wealth and Investment Management (Level 3) and the UAE Financial Rules and Regulations
• Bachelor’s Degree in Business Administration, Finance or Economics
• Understanding of Retail Banking management products and services
• Excellent communication skills

What we offer:

• Competitive Salary : The indicative pay range for this role is AED 19,500– AED 29,500 per month. Additionally, all employees are eligible to participate in one of our rewarding variable pay plans.
• Comprehensive Benefits Package : This includes market-leading medical insurance, group life and personal accident insurance, paid leave and leave airfare, employee preferential rates on loans and finance facilities, staff discounts and offers, and children education assistance (for certain job levels).
• Flexible and Remote Working Options : We understand the importance of work-life balance and offer flexible working arrangements, subject to eligibility and job requirements.
• Learning and Development Opportunities : We value and facilitate continuous learning and personal development, through a variety of exciting learning opportunities, such as structured instructor-led courses, a comprehensive e-Learning catalog, on-the-job training and professional development programs.

At ADCB, we are dedicated to creating a respectful, caring and disciplined work environment that aligns with your career ambitions.