Solution Architect – Treasury & Transaction Banking

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.

Lead the team in generating new business opportunities to meet and exceed sales targets across both assets and liabilities.Engage in joint client meetings with team members to enhance business growth and establish new client relationships, alongside conducting daily team huddles and monthly performance assessments in line with established guidelines.Provide mentorship and support to team members by setting clear objectives, identifying developmental needs, and managing performance to reduce staff turnover while enhancing overall team performance.Strengthen and expand relationships with existing RAK elite/wealth management clients to increase revenue and share of wallet, while also evaluating the quality and profitability of both new and existing client portfolios.Ensure that the RAK elite/wealth management service standards are consistently met and maintained, with a commitment to sourcing only desirable business, while ensuring all team members complete their IS certification within the required timeframe.Deliver comprehensive information regarding IS products available on the platform, empowering customers to make informed decisions, and keep clients updated on current market trends and global economic policies, with a focus on providing exceptional customer service to drive satisfaction and retention.Prepare, recommend, and assess credit applications for various banking products, ensuring accurate documentation and timely disbursement, while managing a growing portfolio of relationships, liabilities, AUM, and assets.Advise clients on additional banking products, refer potential leads, and facilitate maximum conversions, while cross-selling various products to minimize customer attrition.Maintain thorough knowledge of the entire product and service range and stay updated on market developments both locally and globally.

Job Purpose:As a vital contributor to the economic landscape of the UAE, particularly in Dubai, the role of Director of Coverage in Commercial Banking focuses on supporting SME and Mid-Market companies as they expand both locally and internationally. The successful candidate will create a personal development plan in collaboration with their Line Manager and pursue continuous improvement through best practices. This position demands the ability to effectively assess and respond to customer needs while ensuring alignment with FAB’s lending and risk management policies.General Accountability:Sales and Financial:Enhance relationships with existing clients while expanding the customer base.Drive increases in sales volume and market share in targeted segments.Utilize newly approved limits to maximize client engagement.Ensure high-quality processing of Credit Applications.Maintain prompt response times for customer inquiries and business applications.Align financing structures and pricing with client needs for optimal solutions.Establish a customer-focused approach to gain a competitive advantage.Increase market share within high-end segments.Leverage existing clients’ networks to foster new lending relationships.Manage and develop the corporate financing portfolio effectively.Provide timely and accurate product information to clients, highlighting benefits that impact their operations.Actively pursue business opportunities and follow up on leads within designated segments.Coordinate visits with the GTx and FX teams to foster client relationships.Facilitate cross-selling opportunities by identifying leads for other bank areas.Risk Management:Prepare and analyze Credit Applications, ensuring compliance with bank policies and regulations.Recognize and address signs of unsatisfactory account conduct promptly.Evaluate financial and business risks associated with lending decisions.

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.

Product DevelopmentDevelop and launch innovative products and variations that enhance our existing offerings, ensuring they integrate smoothly within the RAKBANK portfolio.Initiate and oversee product promotions and marketing campaigns, working closely with cross-functional teams to implement necessary system improvements for successful product launches.Lead cross-selling initiatives in Business Banking across diverse channels, ensuring prompt execution and monitoring of sales targets.Create essential business documentation including product proposals, legal contracts, training materials, and marketing communications.Processes & SystemsMaintain a strong system infrastructure to support product launches, promotions, and campaigns.Design and implement efficient processes with integrated controls and comprehensive management reporting capabilities.Collaborate with stakeholders to revise operational procedures in response to changing business needs.Identify and address critical system and process requirements crucial for business expansion, aligning with advancements across key banking platforms (IVR, Core Banking, Digital Banking, etc.).Portfolio Reporting & MISDevelop both automated and manual reporting systems to monitor portfolio performance, including book movements, utilization rates, and risk assessments.Prepare and submit monthly reports on schedule, tracking downgraded accounts and obtaining necessary approvals for extensions.Generate ad-hoc MIS insights to identify opportunities, evaluate portfolio risks, and support timely decision-making.Create strategic reports to assess product performance, process efficiency, and campaign effectiveness, aiding senior management in strategic planning.

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.

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.

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.

Key Responsibilities:Perform thorough credit analysis by evaluating audited financial statements and formulating comprehensive Credit Proposals.Facilitate onboarding and provide monitoring support for the acquisition and management of Discretionary Lending customer portfolios, collaborating closely with assigned Relationship Managers.Ensure precision in financial spreading and qualitative analysis while meeting established turnaround times for credit proposals.Oversee the follow-up on the origination and execution of customer transactions.Adhere to relevant departmental policies, processes, and standard operating procedures to ensure consistent and controlled work practices.Uphold the organization’s values and ethics, actively contributing to fostering a value-driven culture within the bank.Engage in identifying opportunities for continual improvement and sustainability of systems, processes, and practices, emphasizing global standards, productivity enhancement, and cost reduction.Assist in the prompt preparation of accurate statements and reports to align with departmental requirements and quality benchmarks.Job Context:Support Relationship Managers with the administrative tasks related to the client portfolio, ensuring that all documentation and client files comply with the bank’s policies and procedures.Extract and assess financial statements, cash flow projections, and other intricate financial reports to deliver precise evaluations and recommendations for credit submissions, highlighting key risks and mitigation strategies.Stay vigilant for cross-sell opportunities by assessing client needs, fostering strong customer relationships, and referring clients to appropriate specialists (Trade Finance, Cash Management, and Treasury) for additional product offerings.Deliver outstanding client service by addressing client inquiries promptly and professionally, adhering to established service standards.Contribute to enhancing customer service and satisfaction outcomes for the assigned portfolios.Welcome and guide clients on the bank’s products and services.Execute relevant financial transactions for clients in accordance with service quality standards and bank policies.Assess acceptable levels of lending risk in line with the bank’s risk appetite statement to optimize profitability from transactions.Ensure high data quality standards by maintaining accurate information in the bank’s systems and documentation in a timely manner.Educate clients on various access channels (e.g., Corporate Internet Banking, Phone Banking) to enhance their understanding of available options.

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.

Join FlatGigs as a Senior Architect – Core Banking, where you will play a pivotal role in steering enterprise-wide architecture governance and solution design initiatives within a highly regulated banking ecosystem.This position demands extensive expertise in Core Banking platforms, enterprise integration architecture, and secure microservices ecosystems within containerized and cloud-native environments.The Senior Architect will work within a matrix structure, directly reporting to the Architecture leadership while forming strong partnerships with business delivery teams.Role OverviewIn this strategic and hands-on role, the Senior Architect will:Design robust, scalable, and secure Core Banking solutions.Ensure a balance between business functionality, customer experience, performance, reliability, and security.Develop architectural blueprints that align with enterprise standards.Contribute to the creation of reusable architecture patterns across the organization.This is a unique opportunity to influence the architectural vision of the banking system.Essential Domain ExpertiseIn-depth knowledge of Core Banking systems (Finacle or similar platforms).Strong understanding of banking domain aspects including Accounting, Payments, and Settlements.Experience leading or designing at least 3 Core Banking architecture implementations.Proficient in API-first and microservices ecosystems.Comprehensive understanding of integration ecosystems including switches and third-party integrations.Technical Skills RequiredArchitecture & Design10+ years in designing end-to-end architecture solutions.Expertise in high-level design (HLD) and solution design documentation.Familiarity with microservices and container-based/cloud-native architecture.Knowledge of event streaming and message brokers.Experience in API ecosystem architecture.Integration CompetenciesProficient with REST APIs.Familiarity with ISO8583 or equivalent messaging protocols.Experience integrating with third-party banking ecosystems.Security & Compliance KnowledgeUnderstanding of PCI-DSS, UAE Central Bank regulations, and GDPR compliance.Experience with threat modeling and regulatory alignment.Knowledge of authentication and authorization frameworks.Familiarity with encryption algorithms and key management.Experience in security logging, alerting, and monitoring.Preferred Cyber Security ExposureExperience in both defensive and offensive security.Knowledge of secure architecture hardening techniques.AI Awareness (Preferred)Familiarity with:Machine Learning.Generative AI.RAG systems.Vector databases.Agentic AI.MCP (Model Context Protocol).AI copilots.Agile Methodology ExperienceMust have experience working within:Agile tribes and squads.Sprint planning and retrospectives.Epics, features, stories, and acceptance criteria.Quarterly planning cycles.

Join our dynamic team at RAK Bank as a Sales Officer specializing in Business Banking Liabilities. In this role, you will be responsible for driving sales initiatives, fostering client relationships, and enhancing our product offerings. Your expertise will help us meet the financial needs of our clients while contributing to the overall growth of our business banking segment.

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 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.

Your Role:Lead and manage the daily operations of the Virtual and Chat teams across various channels, including chat, email, and other digital platforms.Implement strategic objectives for the Contact Centre, focusing on training, coaching, resource allocation, and ensuring KPI & SLA compliance.Enhance team morale and engagement through activities such as team events and huddles.Guide the development and coaching of Team Leaders, Assistant Managers, and Agents, fostering operational excellence.Oversee initiatives and advancements within CRM, Chatbot, and virtual banking processes.Track performance indicators including chat efficiency, conversion rates, staffing utilization, and employee engagement.Forecast staffing needs based on historical call/chat trends to optimize resource allocation.Maintain high service quality by providing continuous coaching, monitoring, and adhering to customer experience standards.Participate in business projects aimed at enhancing systems and improving customer journey experiences.Benchmark service delivery against industry standards to enhance engagement and decrease customer effort.Analyze customer contact patterns to promote ongoing improvements in service delivery.Support strategic objectives, compliance, and transformation initiatives while ensuring alignment with operational policies and performance standards.

We are embarking on several innovative initiatives to enhance our Cards and Everyday Banking services. The Product Lead will play a crucial role in facilitating the digital transformation of our card offerings, ensuring compliance with regulatory standards, and adhering to card network requirements. This position entails providing direct product support and coordination to ensure timely project delivery and effective operational rollouts.The Product Lead will collaborate closely with various teams to define requirements, manage documentation, support testing efforts, and ensure business readiness. While IT execution is handled by dedicated teams, this role focuses on product-centric activities that are vital for successful launches.Key Responsibilities:Enhance the digital card journey through workflow design that meets market needs and testing from a product perspective.Detail and define product requirements for mobile app features related to cards and digital initiatives.Facilitate necessary policy and process adjustments across digital and physical card journeys to support business scalability.Coordinate with IT, Digital, Operations, Compliance, and Network teams to ensure readiness for implementation.Drive initiatives for process changes in card management through effective cross-functional collaboration.Assist with Jaywan Mono-Badge and Co-Badge initiatives, including updates to the digital journey, documentation, re-carding, and customer communication strategies.Support segment alignment initiatives (e.g., Credit Card variants) by overseeing system flagging logic and validation processes.Collaborate in resolving Business-As-Usual (BAU) issues with IT and relevant stakeholders.Provide assistance on Mastercard regulatory projects regarding system modifications, testing, and implementation readiness.Key Skills & Experience:A minimum of 4-7 years of relevant experience in Cards, Payments, or Digital Banking.Solid understanding of credit card products, digital customer journeys, policies, and mobile app functionalities.Proven experience working collaboratively with IT and cross-functional teams to implement product solutions.Familiarity with card networks (preferably Mastercard) and compliance initiatives.Experience in requirements documentation, User Acceptance Testing (UAT) support, and issue tracking.Core Competencies:Excellent coordination and stakeholder management abilities.Detail-oriented with a structured approach to execution.Capacity to handle multiple projects simultaneously.Exceptional written and verbal communication skills.

Join First Abu Dhabi Bank as a Sales Executive specializing in Consumer Banking Product Sales. In this dynamic role, you will engage with customers, understand their financial needs, and promote our suite of consumer banking products. Your ability to build relationships and deliver exceptional customer service will be key to driving sales and exceeding targets.As a vital member of our sales team, you will leverage your expertise to identify opportunities, conduct presentations, and provide tailored solutions that enhance customer satisfaction and loyalty. If you are passionate about finance and eager to make a difference, we invite you to apply and become part of our esteemed team.

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.

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.