JOB DESCRIPTION

Role : Associate Relationship Manager (UAE National Only)
Location : Dubai

Role Purpose:

To manage a portfolio of small to medium-sized clients and actively source new-to-bank customers within the defined non-for-profit organizations segment, delivering end-to-end relationship support (account onboarding through service execution) while achieving assigned financial targets and ensuring full compliance.

Key Accountabilities of the role

Business Development & Target Achievement

Actively source and acquire new-to-bank customers within assigned segment.
Build and maintain a pipeline of prospects to support portfolio growth.
Achieve assigned financial targets including:
Liability growth (CASA / Wakala deposits)
Fee income from cash management & transaction banking
Cross-sell ratios
Convert prospects into active banking relationships.
Support marketing and referral initiatives to generate leads.

Relationship Management

Manage assigned portfolio of lower-tier clients.
Maintain regular engagement to deepen wallet share and identify opportunities.
Support Regional Manager in larger relationship development.

End-to-End Client Handling

Manage complete account opening process (KYC, documentation review, system input, follow-up until activation).
Submit and track all service requests through internal systems.
Coordinate with operations and compliance for smooth execution.
Act as first point of contact for day-to-day client requirements.

Compliance & Governance

Ensure adherence to ADIB policies, Sharia requirements, and Central Bank regulations.
Maintain updated KYC/ODD for portfolio & escalate exceptions or complex matters appropriately.

Process & Reporting

Maintain updated client records and pipeline.
Document call memos in standard format capturing the contents of the meeting, opportunities for business development and follow-up plan, etc.
Monitor portfolio performance and assist in achieving assigned financial targets.

Behavioral Competencies:

Customer Orientation.
Communication.
Quality standards.
Teamwork.
Technical knowledge.
Information Gathering.
Problem Solving.
Initiative & Change.

Specialist Skills / Technical Knowledge Required for this role:

Strong documentation accuracy and attention to detail.
Client-facing communication skills.
Ability to manage multiple service requests simultaneously.
Sales orientation with operational discipline.
Time management and follow up discipline.

Required experience:

3-5 years experience of experience in banking (preferably in Corporate or SME segments)
Experience in account opening, documentation review, and service request handling.
Exposure to liability growth, customer acquisition activities, and cash management sales is preferred.
UAE based experience is a must