Relationship Manager - Commercial Cards

Role Overview

Relationship Manager - Commercial Cards at ADIB in Dubai, responsible for driving acquisition, portfolio growth, and relationship management of Commercial Card solutions for corporate clients while ensuring Shariah-compliant structures and sustainable revenue growth.

Role Purpose

The Relationship Manager, Commercial Cards drives 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 Responsibilities

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.

Reporting & Analysis

• Prepare regular MIS reports on sales performance, pipeline, and portfolio health.
• Identify opportunities, negotiate, and analyze post-campaign results.

Qualifications & Experience

• Minimum 3–5 years of industry experience in Commercial Cards, Transaction Banking, or Corporate/SME Banking.
• Prior experience in an Islamic Bank or with Shariah-compliant products is highly desirable.
• University degree.
• Strong understanding of UAE corporate market and regulatory environment.
• Knowledge of the UAE Cards market and main competitors.

Skills & Competencies

• 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.
• Strong negotiation and problem-solving skills.
• Ability to identify opportunities and analyze post-campaign results.
• Understanding of marketing dynamics including demographic factors, competitor products and services, and customer experience.
• Client-centric and results-driven mindset.
• Ability to work independently and collaboratively.