Employee Banking Relationship Manager

Key Responsibilities:Proactively identify and acquire new clients by building networks and independently sourcing relevant leads for sales and business growth.Assess and address customers' needs independently.Develop and utilize resources that align with business development and sales targets.Collaborate with relevant teams to ensure exceptional client experience throughout all interactions, from follow-ups to service delivery.Attract and retain clients by crafting innovative outreach strategies in partnership with the marketing department.Align with organizational operational procedures to support revenue generation and sales expansion objectives.Continuously evaluate existing processes to identify opportunities for improvement.Manage relationships within Corporate and Investment Banking, directing the fulfilment team to execute business operations at client sites.Increase the portfolio of Employee Banking clients by targeted percentages.Coordinate Helpdesk and Induction activities at client locations to drive revenue through the promotion of retail asset products and services.Oversee lead generation and management through the FAB CRM systems.Serve as the primary point of contact for customer inquiries.Exceed customer service expectations, ensuring effective complaint management and service enhancements.Efficiently manage the bulk account opening process for employees of targeted CIBG/TML customers.Design and implement strategies to boost business penetration in the region.Engage with Corporate & Investment Banking and Business Banking teams to provide clients with a comprehensive retail banking package.Drive multi-product sales with a focus on enhancing corporate profitability.Monitor market trends, industry developments, and competitive dynamics, sharing insights with the Business Intelligence team to adapt strategies effectively.Work closely with strategic alliances within PBG sales and distribution.Comply with the bank's Standard Operating Procedures, Policies, and Code of Conduct.

Job OverviewAs a Virtual Relationship Manager within our Select Banking division, you will play a crucial role in enhancing the financial engagement of our clients. Your primary objective is to increase the wallet share from an assigned portfolio of clients by achieving set service targets through exceptional relationship management and service delivery.Key ResponsibilitiesManage your allocated portfolio effectively, identifying and capitalizing on business opportunities.Engage with existing clients to deepen relationships and generate new business through referrals.Maintain comprehensive knowledge of all products and services offered by the Unit, enabling confident discussions about product attributes.Proactively assess customer needs and provide tailored solutions while assisting senior team members in building long-lasting client relationships.Ensure prompt escalation of client complaints to facilitate timely resolutions.Promote bank services by delivering consistent, accurate, and transparent information, while educating customers on available alternative channels.Execute assigned operational tasks with a strong emphasis on accuracy and adherence to processes, ensuring high performance standards are met without compromising quality.Implement retention strategies to mitigate the risk of client attrition.

Job OverviewThe Assistant Relationship Manager plays a pivotal role in nurturing and expanding a diverse portfolio of Business Banking Liabilities. This position is fundamental in achieving and surpassing set sales and service objectives while adhering to acceptable risk parameters as outlined in our policy guidelines. Success in this role hinges on exemplary client acquisition, relationship management, and efficient service delivery.Key ResponsibilitiesIdentify and cultivate new liability and transactional business accounts to ensure significant portfolio expansion.Collaborate across different departments to enhance cross-selling prospects.Consistently meet and exceed financial targets.Ensure compliance with the Bank’s regulatory and compliance standards.Follow established processes and controls in alignment with Bank policies.Manage and grow a portfolio of Business Liability clients, emphasizing low-cost transactional funds.Stimulate business growth through the acquisition of new business customers.

About the RoleIn the position of Virtual Relationship Manager, you will oversee a diverse portfolio of customer relationships, ensuring that clients receive exceptional service and bespoke financial solutions tailored to their unique needs. Acting as the primary point of contact, you will provide expert advice, resolve issues, and cultivate enduring relationships with clients.Key ResponsibilitiesMeet and exceed sales and service targets while managing risk effectively.Conduct regular assessments of customer portfolios to uncover business opportunities and promote relevant financial products.Foster and maintain strong client relationships, delivering service that aligns with their expectations.Offer specialized advice and resolve customer inquiries to enhance satisfaction.Execute all tasks meticulously, complying with banking policies and regulatory standards.Work collaboratively with internal teams, including compliance, operations, and business support, to optimize processes.Uphold professionalism and integrity, adhering to the Staff Code of Conduct.

As a Business Banking Relationship Officer, you will be the first point of contact for customers, handling both inbound and outbound communications through calls, chats, and emails. Your primary responsibility will involve addressing inquiries, resolving account-related issues, and providing detailed information about our products and services.Your role will include engaging with customers to identify their financial needs, enabling you to effectively cross-sell our banking products and services that best meet their requirements. You will also be responsible for reporting any suspected fraudulent transactions in accordance with established fraud detection protocols.In addition, you will work to manage and de-escalate customer frustrations or complaints, demonstrating empathy and patience while striving for satisfactory resolutions. Adhering strictly to security and compliance guidelines, you will ensure the confidentiality and integrity of customer information and transactions.Collaboration with team members and other departments will be essential in addressing customer issues and enhancing overall service delivery. Staying informed about banking products, policies, and procedures will empower you to provide accurate and up-to-date information to customers.You will document all customer interactions accurately in our designated systems, maintaining detailed records for future reference. Your commitment to exceptional service delivery will be key in enhancing customer satisfaction and loyalty.To succeed in this role, you will be expected to achieve monthly sales targets through effective cross-selling and closing of sales, as well as provide valuable market feedback on competition and suggestions for product improvement.This role demands personalized service, where you will efficiently gather customer information, assess their needs, and educate them accordingly, while capturing and reporting customer feedback for continual product development. It is essential to follow all bank procedures and processes with full adherence to BCP steps, ensuring differentiation between Conventional and Islamic calls based on customer preferences.

Key ResponsibilitiesWork collaboratively with Relationship Managers to provide timely and insightful feedback that drives business objectives.Engage in sales with the highest level of integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries, guaranteeing resolution within established turnaround times (TATs).Prepare and submit accurate applications, maintaining a 100% accuracy rate in all documentation.Facilitate effective collaboration with internal teams to ensure seamless processing of applications.Comply with HR policies, organizational standards, and the professional Code of Conduct.Adhere to Service Level Agreements (SLAs) and TATs as specified in operational guidelines.Effectively manage individual claw backs, ensuring they align with the organization’s financial targets for the fiscal year.QualificationsSolid understanding of banking and insurance products, including RAK Bank offerings and those of competing institutions.Strong sales and service orientation.Exceptional communication, persuasion, and interpersonal skills.Ability to identify cross-selling opportunities across various banking divisions for Bancassurance products.Experience in managing and overseeing Point of Sales loans and Business loans.Collaborate with external agencies such as Network International.

Join RAK Bank as an Assistant Relationship Manager in our Commercial Banking Assets Acquisition department. In this entry-level position, you will play a key role in supporting our team by assisting in the management of client relationships and contributing to the acquisition of commercial banking assets. This is an excellent opportunity for fresh graduates or individuals seeking to kickstart their career in banking.

Your Role and ResponsibilitiesWork collaboratively with Relationship Managers to provide insightful feedback that aligns with our business objectives.Engage in sales activities with integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries and requests, guaranteeing resolution within defined turnaround times (TATs).Prepare and submit applications with meticulous attention to detail, maintaining a 100% accuracy rate.Coordinate with internal teams to ensure seamless processing of applications.Comply strictly with HR policies, organizational guidelines, and the professional Code of Conduct.Adhere to Service Level Agreements (SLAs) and TATs as specified in operational protocols.Proactively minimize individual clawbacks, ensuring they remain within the company’s targets for the financial year.Qualifications for SuccessSolid understanding of banking and insurance products, particularly those offered by RAK Bank and competitor banks.Sales and service-oriented mindset.Exceptional communication, persuasion, and interpersonal skills.Adept at identifying cross-sell opportunities within other business divisions for Bancassurance products.Experience in managing Point of Sales loans and Business loans.Ability to collaborate effectively with external agencies, such as Network International.

Job Purpose:The Small and Medium Enterprises (SME) sector is crucial for the economic vitality of the UAE, especially in the dynamic Dubai market, representing a significant portion of the business landscape. As globalization enhances connectivity, SMEs are evolving to become more international in their endeavors. First Abu Dhabi Bank (FAB) is well-positioned to cater to the diverse needs of these businesses by strengthening our support for domestic SMEs.The selected candidate will develop a personalized self-improvement plan, in collaboration with their Line Manager, and strive to meet established goals. They will actively seek out best practices from peers and participate in training sessions as directed by management. A key responsibility will be to effectively assess and address customer needs and opportunities, both within the existing client base and among prospective clients.Furthermore, the role aims to uphold best practices in key account management and risk policies to align with FAB standards.Relationship Management Responsibilities:Attracting new high-value clients and enhancing existing relationships to grow the bank's liability portfolio and increase revenue.Engaging deeply with clients to understand and enhance their banking experiences.Assessing client requirements to augment the bank’s share of wallet.Cross-selling and upselling bank products and services to maximize revenue generation.Boosting sales volume and market share in targeted sectors.Ensuring timely responses and efficient turnaround times for customer inquiries and business application processes.Negotiating with internal stakeholders to tailor pricing structures for GM and Cash products according to client needs.Establishing a robust customer-centric approach to maintain a significant competitive advantage.Increasing high-end market share and quality business within assigned segments.Building and nurturing strong rapport with customers by providing expert guidance on their financial needs and promoting the bank’s offerings effectively.Delivering accurate and timely information about products and highlighting benefits relevant to their businesses.Keeping clients informed about new products and services.Proactively sourcing new business opportunities and pursuing sales leads within designated market segments.Scheduling timely client visits to introduce GTB and GM partners.Identifying and forwarding sales leads to other bank departments for cross-selling opportunities.Collaborating with product managers and specialists to promote the bank’s offerings.Risk Management Responsibilities:Ensuring timely updates of KYC documentation.Collaborating closely with internal teams to manage compliance, operational, and credit risk exposures as necessary.Preparing Credit Applications (CA), analyzing financial statements, and facilitating approvals.

About the RoleAs a Client Relationship Manager at RAK Bank, you will expertly oversee a diverse portfolio of customer relationships. Your primary responsibility will be to ensure clients receive exceptional service and customized financial solutions tailored to their requirements. You will serve as the main point of contact for customers, providing expert guidance, addressing challenges, and cultivating enduring relationships.Key ResponsibilitiesMeet and exceed sales and service targets while maintaining acceptable risk levels.Conduct regular reviews of customer portfolios to uncover business opportunities and promote cross-selling of financial products.Foster and manage client relationships, ensuring that service delivery aligns with client expectations.Offer specialized advice and resolve customer inquiries to enhance satisfaction.Complete tasks with attention to detail, complying with banking policies and regulatory standards.Work closely with internal teams such as compliance, operations, and business support to optimize processes.Maintain professionalism and integrity in accordance with the Staff Code of Conduct.

Your RoleWork collaboratively with Relationship Managers to provide timely and insightful feedback that supports the achievement of business objectives.Engage in sales activities with the highest level of integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries, guaranteeing resolution within established turnaround times (TATs).Ensure accuracy by submitting error-free applications and maintaining 100% correctness in all documentation.Facilitate smooth processing of applications by coordinating effectively with internal teams.Follow HR policies, organizational guidelines, and uphold the professional Code of Conduct at all times.Comply with Service Level Agreements (SLAs) and TATs as specified in operational procedures.Strategically limit individual claw backs to stay within the organization’s defined targets for the financial year.Qualifications We SeekA solid understanding of banking and insurance products, including RAK Bank offerings and competitive products from other banks.A strong sales and service orientation.Outstanding communication, persuasion, and interpersonal skills.Ability to identify cross-sell opportunities for Bancassurance products across various business divisions of the bank.Experience managing and overseeing Point of Sales loans and Business loans.Collaboration with agencies such as Network International is a plus.

About the RoleWe are on the lookout for a seasoned and proactive Senior Relationship Manager to become a vital member of our Elite Business Banking team. This position is tailored for a high-achieving professional who excels in forging meaningful client relationships, providing bespoke financial solutions, and fostering portfolio expansion. As the trusted adviser to our Elite Business Banking and High-Net-Worth Individual (HNWI) clientele, you will ensure their banking journey is smooth, personalized, and focused on delivering exceptional value. This role reports directly to the Senior Vice President, Head of Elite Business Banking Liabilities.Key ResponsibilitiesIdentify and onboard new Elite Business Banking and HNWI clients to cultivate a strong and lucrative portfolio.Facilitate seamless onboarding processes that adhere to compliance and regulatory standards.Strengthen and manage relationships with existing clients by gaining a deep understanding of their unique financial objectives.Provide tailored banking and investment solutions aimed at enhancing portfolio value and client loyalty.Develop and implement retention strategies for high-valued clients to ensure sustained engagement.Meet or surpass budgeted sales and service targets through effective relationship management.Drive revenue growth by focusing on low-cost transactional funds and other income avenues.Encourage cross-selling opportunities across the bank's comprehensive range of products and services.Ensure compliance during all client interactions per internal policies and regulatory guidelines.Proactively identify and manage risks associated with business banking activities.Collaborate with service and back-office teams to fulfill client expectations and resolve inquiries promptly.Address SAS and Correspondent Bank queries within established turnaround times.Collect market insights to aid in product development and improve customer offerings.Continuously seek innovative methods to enhance service delivery and client satisfaction.

Your Role:Work closely with Relationship Managers to provide timely, insightful feedback that aligns with our business objectives.Engage in sales activities with the highest level of integrity and professionalism, ensuring transparency in every client interaction.Respond swiftly to customer inquiries, guaranteeing solutions are delivered within specified turnaround times (TATs).Accurately submit applications and maintain 100% documentation accuracy.Facilitate effective collaboration with internal teams for smooth application processing.Adhere strictly to HR policies, organizational standards, and the professional Code of Conduct.Ensure compliance with Service Level Agreements (SLAs) and TATs as outlined in operational guidelines.Strategically manage clawbacks to remain within the organization's financial targets for the year.

Key ResponsibilitiesWork closely with Relationship Managers to provide timely and strategic feedback that aligns with business objectives.Execute sales with the highest level of integrity and professionalism, ensuring transparency in all client interactions.Respond swiftly to customer inquiries, ensuring resolutions are achieved within established turnaround times (TATs).Deliver applications with meticulous attention to detail, achieving 100% accuracy in documentation.Facilitate collaboration with internal teams to ensure the efficient processing of applications.Comply with HR policies, organizational standards, and the Code of Conduct.Uphold compliance with Service Level Agreements (SLAs) and TATs as specified in operational protocols.Strategically manage individual clawbacks to stay within the organization’s defined financial targets for the year.QualificationsIn-depth knowledge of banking and insurance products, specifically RAK Bank and competitive offerings from other financial institutions.Sales and service-oriented mindset.Exceptional communication, persuasion, and interpersonal skills.Ability to identify cross-sell opportunities across different business divisions for Bancassurance products.Experience in managing and overseeing Point of Sales loans and Business loans.Collaboration experience with agencies such as Network International.

About the RoleWe are seeking a dynamic Relationship Manager specializing in SME Acquisition to drive the growth of our SME client base in Dubai. In this pivotal role, you will be responsible for identifying and onboarding new clients while providing tailored banking solutions including Working Capital, Unsecured Loans, Merchant POS Loans, Asset-Backed Lending, and Trade Finance products. Your strong sales acumen and extensive experience in SME lending will be key to establishing and nurturing long-term client relationships. This position reports to the Associate Vice President - SME Acquisition.

As an Assistant Relationship Manager for the SME Chinese Segment at RAKBANK, you will play a pivotal role in nurturing and expanding relationships with Chinese small and medium enterprises. Your expertise will drive growth initiatives and enhance customer satisfaction, ensuring that our clients receive top-notch service tailored to their unique needs.

Join RAK Bank as an Associate Vice President and Senior Relationship Manager in our Elite Banking department, where you will play a pivotal role in fostering strong relationships with high-net-worth clients. Your expertise will help us deliver personalized banking solutions that cater to the unique needs of our clientele.In this role, you will be responsible for maintaining and enhancing client relationships, identifying new business opportunities, and ensuring the highest standards of service excellence. You will also collaborate with internal teams to develop strategic plans that align with our clients' financial goals.

Core Responsibilities:Oversee the operations of the designated Coverage team, ensuring optimal performance and effective management of business objectives.Collaborate closely with the Real Estate department to enhance service delivery, while independently driving revenue growth and managing portfolio risks.Develop strong credit skills and understanding of risk/reward parameters to empower decision-making in handling customer service issues and exceptions.Proactively address customer inquiries and service-related matters to optimize resources for cross-selling complex products.Possess in-depth knowledge of customer and corporate products, equipped with effective problem-solving and interpersonal skills to meet performance targets and collaborate effectively with various stakeholders.Maintain a zero-expiry level for all assigned accounts.Meet annual targets for performing loans set by Senior Management.Cross-sell GFM, GTB, and related products to enhance customer satisfaction.Ensure that the Non-Performing Loans (NPL) ratio remains below 4%, with timely credit reviews and renewals.Achieve satisfactory audit reports.Deliver exceptional customer service by acting as a client service manager, proactively resolving issues and facilitating other services.Enhance credit analysis competencies.Adhere to all internal processes for the existing portfolio in accordance with the Bank’s policies and procedures.Comply with documentation requirements for call reports, KYC, and all operational matters, ensuring timely turnaround of new proposals as per agreed Service Level Agreements (SLA).Specific AccountabilitiesDemonstrate sound knowledge of appraisals, financial modeling, and legal/regulatory frameworks.Exhibit strong verbal and written communication skills.Effectively manage teams and work under pressure.Organize workload efficiently to meet deadlines.Interpret and appraise financial statements and feasibility reports accurately.Operate within the framework of Group policies and overall organizational governance.Empowered to make decisions as per the approved authorization matrix.

Role OverviewAs a Virtual Relationship Manager at RAKBANK, you will oversee a diverse portfolio of client relationships, ensuring exceptional service and customized financial solutions that align with their individual needs. You will serve as the primary liaison for clients, providing expert advice, resolving issues, and cultivating enduring relationships.Key ResponsibilitiesMeet and exceed sales and service goals while maintaining compliance with risk standards.Regularly assess customer portfolios to uncover business prospects and promote financial products.Foster and manage client relationships, delivering outstanding service in line with client expectations.Offer specialized advice and address customer inquiries to ensure high satisfaction levels.Complete all tasks with accuracy, adhering to banking policies and regulations.Work collaboratively with internal teams such as compliance, operations, and business support to enhance process efficiency.Exhibit professionalism and integrity in alignment with the Staff Code of Conduct.Candidate ProfileWe are looking for a proactive, results-oriented individual who:Has a minimum of 2 years of experience in banking or financial services focused on relationship management.Holds a Bachelor's degree in a relevant field.Demonstrates excellent problem-solving and strategic decision-making abilities.Can independently manage responsibilities while effectively collaborating with internal teams.Is knowledgeable about banking processes and compliance standards.

Customer AcquisitionAnalyze client needs and collaboratively evaluate the feasibility of potential deals with product teams and partners to ensure alignment with business objectives.Create strategic account plans to promptly pursue identified business opportunities, providing regular updates on pipeline and account development.Offer insights to the Unit Head regarding customer demands and market trends that are commercially viable, assisting in product enhancement to meet customer needs.Relationship ManagementEstablish and nurture effective relationships with clients, managing their accounts under the guidance of the Unit Head to ensure ongoing business and assist customers in making informed decisions regarding their accounts and the financial services available to them.Serve as the primary contact for all clients in the portfolio, ensuring efficient service and resolution of any issues.Cultivate strong partnerships with product teams to enhance cross-selling opportunities.Design and implement a call program to assess risks, evaluate opportunities, and maximize potential cross-selling of products, ensuring alignment with the bank's relationship strategy and portfolio quality.Portfolio ManagementConduct regular meetings with portfolio clients, maintaining ongoing dialogues to address their financial needs and introduce relevant products and services, thereby maximizing portfolio revenue.Stay informed about all services and products utilized by customers, as well as any requests or issues raised across the bank's departments, to ensure comprehensive customer awareness.Guarantee compliance with all regulatory, audit, and internal control requirements to uphold the highest standards of operational efficiency, minimizing potential losses and near misses.Internal CollaborationBuild relationships and coordinate with various departments to meet client service expectations.Engage with stakeholders, including Operations, Technology, Branches, Legal, and Risk, to deliver an exceptional client experience.Self-Management ResponsibilitiesSet performance goals at the beginning of the year in collaboration with the reporting manager, ensuring that these goals are met throughout the year.Identify personal training and development needs and agree upon them with the reporting manager to foster professional growth.