Virtual Relationship Manager - Emiratized Role

Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting & dynamic industry.

To manage and grow a portfolio of profitable borrowing and non-borrowing customer base in defined geographical markets in pursuit of specific sales, service, growth, and opportunity targets.

KEY ACCOUNTABILITIES:

• Meet and exceed monthly target objectives across portfolio growth and revenue
• Focus on activation and management of dormant/inactive customers
• To be abreast with all policies, products, and processes to ensure superior client on boarding experience
• To proactively participate in Learning, Development, and training programmes of the bank to be effective sales personnel
• Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated

Job Context

Financials:

• Manage portfolio of assigned customers comprising of customers primarily non borrowing customers
• Achieve monthly& annual KPI objectives (Portfolio, Revenue, X-sell, and Activations)
• Cross sell bank products (New accounts, Assets, Trade, FX and Bancassurance) to increase product penetration across customer portfolio
• Refer and upgrade customers to other units within the segment viz. Sales & Coverage RM
• Ensure penetration in the market through focus on New to Bank referrals from existing customers
• Maintain Daily Sales Reports on business performance for review

Customers

• Be commercially effective in the role and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience
• Ensure timely updating of KYC and conduct due diligence
• Ensure thorough knowledge of all products, policies, and processes in order to achieve superior client on boarding experience
• Effectively manage current account excess and account conduct management
• To ensure no mis selling to customers by offering products/services transparently as per customer requirements
• Understand and resolve/escalate customer redresses to ensure timely resolution

Learning & Growth:

• Participate in the assigned People Development and Learning & Development programmes. Take accountability for own development by active enrolment and participation with close coordination with respective Unit Manager
• To ensure participation in assigned training, Learning & Development programmes
• Awareness to competition offerings and offer suggestions to line manager to improve product/ processes

Internal Processes:

• Ensure strict adherence of prescribed Sales & Compliance processes as per Bank's policies.
• Adherence to governance & controls to proactively identify, manage and minimize/mitigate potential losses
• Adhere to agreed SOPs across applicable areas
• Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings

FRAMEWORKS, BOUNDARIES, & DECISION-MAKING AUTHORITY:

• Propose and recommend decisions as per the approved authorization matrix.
• Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.
  
  

QUALIFICATIONS & EXPERIENCE:

Minimum Qualification

• Bachelor’s Degree in Business Administration, Finance, Banking, or a related major field of study is preferred

Minimum Experience

• 3 years’ relevant experience in the Corporate, Commercial or Business Banking in similar positions of managing customer base in the identified target segment.