Relationship Officer, Acquisition.Injaz - RBG - Emirati Acquisition.Retail Banking Group

Role Overview

Relationship Officer, Acquisition in the RBG - Emirati Deposits Team at Mashreq Bank, Retail Banking Group.

Role Purpose

Onboard potential quality clients with focus on liability products for the Emirati and Islamic segment in the assigned region. Manage client relationships, support service-related matters, and onboard Mashreq Gold profile clients while offering additional products including personal loans, cards, insurance, and other bank offerings.

Key Responsibilities

Business Development

• Drive new-to-bank business proactively to grow Emirati and Islamic business presence.
• Deliver agreed acquisition numbers and significant cross-sell of other bank products.
• Maintain close contact and relationships with clients to ensure Mashreq remains one of their main banks and captures a major share of their wallet.
• Proactively solicit and manage businesses that meet agreed risk-reward parameters of the unit.
• Ensure consistency in productivity and performance as a self-starter.

Stakeholder & Partnership Management

• Work closely with all product and channel partners from RBG and CIBG and SME FX team to maximize opportunities through regular contacts, feedback, coordination, and cross-referrals.
• Serve as intra-organization liaison ensuring service delivery to clients.
• Effectively and actively liaise with superiors and direct reports within the business unit to achieve business objectives.

Compliance & Risk Management

• Ensure compliance requirements for relationships are adhered to in line with bank policies including KYC, AML, account reviews as per risk levels, and high-value transaction monitoring.

Customer Service

• Conduct hands-on relationship management to ensure effective and timely delivery of bank services and products through proactive interaction across various units.
• Resolve customer problems and complaints, handling each to final resolution by coordinating with line managers and other channel partners.
• Assist customers in achieving their goals and objectives.
• Practice ethical selling with complete disclosure about products.

Qualifications & Experience

• Graduate degree.
• Three or more years of banking sales experience.
• Background in Sales and Marketing.

Skills & Competencies

• Confidence and persistence in sales.
• Likeable personality.
• Strong verbal and written communication skills.
• Strong knowledge of products, service policies, and processes of Retail Banking.

Additional Information

• Operating environment is competitive, dynamic, volatile, and regulated with low entry and exit barriers.
• Job holder operates within well-defined and demarcated business areas and must adhere to policies and guidelines in the Bank's Credit Policy Manual.