Relationship Manager, GRE & Strategic Relationships (Emirati Talent)

Job Purpose

The Relationship Manager, GRE & Strategic Relationships is responsible for managing and expanding a portfolio of GRE and Strategic relationships clients by delivering liability growth, strengthening client relationships and maintain high service standards. The role focuses on originating, managing & partnering for business (Islamic & Conventional) for Term deposit, Current accounts, call/ saving accounts etc. The incumbent is expected to drive balance sheet & revenue growth in the segment. Also, identify new strategic business opportunities to grow the banks clientele and ensure client satisfaction and operate in full compliance with the Bank's policies, regulatory requirements and risk standards.

Principal Accountabilities

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.