Relationship Manager and Senior Relationship Manager | Priority Banking(For Future Openings)

Role Overview

Relationship Manager and Senior Relationship Manager within Priority Banking at Emirates Islamic Bank, a division of Emirates NBD. This is a future opening position.

Company Overview

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 9 million customers. Emirates NBD is the leading financial services brand in the UAE with a Brand value of approximately USD 4 billion. The bank serves customers through retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations. Emirates NBD is a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of branches. The bank also operates Liv, the lifestyle digital bank by Emirates NBD, which has over half a million users and continues to be the fastest-growing digital bank in the region.

Role Purpose

To acquire new Priority Banking client relationships, maintain and grow existing client relationships, meet revenue targets across Assets, Liabilities, Investments and Insurance business, achieve high levels of service standards, maximize client satisfaction, and ensure compliance with UAE Central Bank and anti-money laundering regulations.

Key Responsibilities

Client Relationship Management

• Build and develop relationships with Priority Banking clients while leveraging customer service representatives for basic transactions.
• Acquire new clients, present products, and close deals to contribute to unit goals.
• Engage priority banking clients to understand evolving financial needs and recommend suitable retail banking products.
• Identify cross-sell and up-sell opportunities within the assigned portfolio to support business growth targets.
• Maintain regular contact with clients to reinforce loyalty and reduce attrition risk.
• Monitor client satisfaction and address service issues in line with established escalation protocols.

Product Advisory and Sales

• Offer comprehensive advice on all Priority Banking products, including basic banking, lending, and wealth management.
• Proactively contact clients to cross-sell products and promote new offerings.
• Cross-sell and refer clients to other bank areas, staying informed of market trends and competitor activity.

Compliance and Risk Management

• Follow all policies related to operational risk, sales practices, and anti-mis-selling.
• Keep client profiles up-to-date, uphold confidentiality, and assess risk tolerance for suitable product recommendations.
• Verify client documentation and ensure adherence to KYC, AML, and CDD standards as per regulatory and bank policy.
• Escalate any suspicious activity or documentation discrepancies to compliance and management.
• Keep accurate and up-to-date records of all client interactions and transactions in the bank's CRM system.
• Participate in periodic audits and compliance reviews by providing required information and clarifications.

Service Excellence

• Coordinate with internal teams to resolve client queries and service requests promptly.
• Facilitate seamless onboarding for new clients by guiding them through account opening and product setup.
• Educate clients on digital banking tools and promote adoption for enhanced convenience and security.
• Collect and act on client feedback to improve service delivery within the branch.
• Monitor and improve service quality to exceed client expectations.

Operational Execution

• Process account maintenance requests, fund transfers, and product applications in accordance with standard operating procedures.
• Validate transaction details and ensure all required approvals are obtained before execution.
• Update client records and ensure data integrity in all banking systems.
• Support branch operations by assisting with daily reconciliations and reporting exceptions to supervisors.

Qualifications & Experience

• Bachelor's degree in Banking, Finance, Business Administration, Business or related field.
• At least 4 years in a sales role within the Financial services or Banking industry.
• Experience across a wide range of Banking areas, such as Retail and Wealth Management.
• CISI Certification is preferred.
• Preferred: Certification in Relationship Management or Retail Banking (e.g., CBM, CBBM).
• Ongoing professional development in regulatory compliance and digital banking.

Skills & Competencies

• Excellent communication and presentation skills.
• Interpersonal skills essential for this role.
• Ability to identify and execute cross-sell and up-sell opportunities.
• Proficiency with bank CRM systems and digital banking platforms.
• Strong attention to detail and accuracy in transactional and administrative processes.
• Proactive approach to client engagement and relationship building.

Additional Information

Emirates NBD offers flexible work policy allowing work from home. The bank provides extremely competitive rewards, benefits and perks and offers a huge range of professional development opportunities to accelerate career progression.