Relationship Manager Commercial Cards

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 banks 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