Relationship Manager - Commercial Cards

ADIB - Abu Dhabi Islamic Bank


Date: 2 hours ago
City: Abu Dhabi
Contract type: Full time


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 bank’s 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

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