Associate Relationship Manager- Liabilities & Cash Management

Role : Associate Relationship Manager
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