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Job Description
Role : Relationship Manager - Commercial Cards
Location : Dubai
Role Purpose:
Relationship Manager, Commercial Cards is responsible to drive acquisition, portfolio growth, and relationship management of Commercial Card solutions (Corporate, Purchasing, Travel & Expense cards) for corporate clients, ensuring Shariah-compliant structures, superior client experience, and sustainable revenue growth in line with the bank's Islamic principles.
Key Accountabilities of the role
- Client Acquisition & Relationship Management
- Acquire and manage corporate clients for commercial card solutions.
- Build long-term relationships with CFOs, finance teams, and procurement heads.
- Act as the primary point of contact for assigned clients, ensuring high service standards and retention.
- Product Sales & Portfolio Growth
- Promote Shariah-compliant Commercial Card products including Corporate, Purchase, and Expense Management cards.
- Achieve assigned sales, revenue, and portfolio growth targets.
- Assess client financials, creditworthiness, and card limit requirements in coordination with Credit Risk teams.
- Ensure compliance with Islamic banking principles, internal policies, and UAE Central Bank regulations.
- Monitor portfolio performance, utilization, delinquency, and take proactive corrective actions.
- Client Onboarding & Account Management
- Coordinate onboarding, documentation, and KYC/AML requirements.
Oversee card issuance, limit enhancements, renewals, and periodic reviews.
Resolve client queries, service issues, and escalations in a timely manner.
Work closely with Product, Operations, Compliance, Risk, and IT teams to deliver seamless client solutions.
Prepare regular MIS reports on sales performance, pipeline, and portfolio health.
Specialist Skills / Technical Knowledge Required for this role:
- 3 – 5 years of experience in Commercial Cards, Transaction Banking, or Corporate/SME Banking
- Prior experience in an Islamic Bank or Shariah-compliant products is highly desirable
- Strong understanding of UAE corporate market and regulatory environment
- Strong relationship management and consultative selling skills
- Knowledge of commercial card solutions and expense management systems
- Financial analysis and credit assessment skills
- Excellent communication and presentation skills
- Proficiency in MS Office and CRM systems
- Client-centric and results-driven
- Strong negotiation and problem-solving skills
- Ability to work independently and collaboratively
Previous experience required (if any)
A minimum of 3-5 years industry experience of Commercial Cards, Transaction Banking, or Corporate/SME Banking
University degree
Understanding of marketing dynamics including demographic factors, competitor products and services and customer experience
Knowledge of the UAE Cards market and main competitors
Ability to identify opportunities, negotiate and analyze post campaign results
Skills
SalesAccount ManagementTransaction BankingFinanceIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
About Company
Abu Dhabi Islamic Bank, A Public Joint Stock Company, is a leading Islamic bank headquartered and listed in Abu Dhabi- UAE with a purpose of being a lifelong partner for customers, colleagues and community. Over the last two decades, ADIB has demonstrated a consistent track record of growth with assets now totaling USD 34 billion. The bank currently serves more than 1 million customers through a balanced proposition that combines a highly-personalized customer experience with world-class digital banking services. ADIB is a full-fledged financial service provider that offers banking solutions for individuals, corporates and affluent customers. In addition, the wider ADIB Group provides brokerage, real estate and property management, payments and insurance services. ADIB has one of the largest distribution networks in the UAE with more than 60 branches. Internationally, the bank has a presence in six strategic markets - Egypt, , the Kingdom of Saudi Arabia, the United Kingdom, Qatar, Sudan and Iraq.
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