Associate Relationship Manager

Role Overview

Associate Relationship Manager at ADIB, Dubai. UAE National only.

Role Purpose

Manage a portfolio of small to medium-sized clients and actively source new-to-bank customers within the defined non-for-profit organizations segment, delivering end-to-end relationship support from account onboarding through service execution while achieving assigned financial targets and ensuring full compliance.

Key Responsibilities

Business Development & Target Achievement

• Actively source and acquire new-to-bank customers within assigned segment.
• Build and maintain a pipeline of prospects to support portfolio growth.
• Achieve assigned liability growth targets including CASA and Wakala deposits.
• Achieve assigned fee income targets from cash management and transaction banking.
• Achieve assigned cross-sell ratios.
• Convert prospects into active banking relationships.
• Support marketing and referral initiatives to generate leads.

Relationship Management

• Manage assigned portfolio of lower-tier clients.
• Maintain regular engagement to deepen wallet share and identify opportunities.
• Support Regional Manager in larger relationship development.

End-to-End Client Handling

• Manage complete account opening process including KYC, documentation review, system input, and follow-up until activation.
• Submit and track all service requests through internal systems.
• Coordinate with operations and compliance for smooth execution.
• Act as first point of contact for day-to-day client requirements.

Compliance & Governance

• Ensure adherence to ADIB policies, Sharia requirements, and Central Bank regulations.
• Maintain updated KYC/ODD for portfolio and escalate exceptions or complex matters appropriately.

Process & Reporting

• Maintain updated client records and pipeline.
• Document call memos in standard format capturing meeting contents, opportunities for business development, and follow-up plan.
• Monitor portfolio performance and assist in achieving assigned financial targets.

Qualifications & Experience

• 3–5 years of experience in banking, preferably in Corporate or SME segments.
• Experience in account opening, documentation review, and service request handling.
• Exposure to liability growth, customer acquisition activities, and cash management sales is preferred.
• UAE-based experience is a must.

Skills & Competencies

• Strong documentation accuracy and attention to detail.
• Client-facing communication skills.
• Ability to manage multiple service requests simultaneously.
• Sales orientation with operational discipline.
• Time management and follow-up discipline.
• Customer orientation.
• Quality standards.
• Teamwork.
• Technical knowledge.
• Information gathering.
• Problem solving.
• Initiative and change management.