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Mashreq is seeking a Relationship Manager Liabilities for Emirati and Islamic segment within the Retail Banking Group in Abu Dhabi. The role focuses on onboarding liability clients, growing Emirati and Islamic business, cross-sell loans, cards, and other products, while maintaining strong client relationships and ensuring service and compliance (KYC, AML). You will collaborate with product and channel teams, manage risk, and cover for Team Leader when needed. The ideal candidate has 7-10+ years of bank sales, a graduate degree, solid product knowledge, and a self starter mindset. To apply, tailor your CV to show liability growth, cross-sell success, quantify results, and highlight Emirati/Islamic experience and onsite readiness.

Job Title

Relationship Manager, Liabilities

Department

RBG - Emirati Segment

Position Name 

Relationship Manager Liabilities 

RBG - Emirati Segment.41.Retail Banking Group

Position ID

Incumbent No.

Incumbent Name

Job Number

Job Purpose

The job purpose is to onboard potential quality clients with focus on liability products for Emirati & Islamic segment in the assigned region. In addition, the candidate will be required to handle other product offering like Personal loans, Cards, Insurance and other products offered by the bank.

The job holder will also be responsible in managing the relationship and support the client in any service-related matters and onboard Mashreq Gold profile clients.

Dimensions

Operating Budget

NA

Number of Staff

Direct: TL/SM: 

In Direct:

Capital Exp. Budget

NA

Other

Key Result Areas

• To proactively drive new-to-bank business to grow Emirati and Islamic business presence 

• To maintain close contact and relationship with the clients in a way, which ensures that we remain one of their main banks getting a major share of their wallet.

• To proactively solicit / manage businesses, which meet agreed risk-reward parameters of the unit.

• To deliver agreed liabilities numbers and significant cross-sell of other products of the bank.

• Intra-organization liaison ensuring service delivery to clients.

• To work closely with all product and channel partners from RBG and CIBG and the SME FX team to maximize opportunities provided through regular contacts, feedback, co-ordination, and cross referrals.

• To ensure that the credit risk on account of facilities execution 

• To ensure compliance requirements for the relationships are adhered to in line with the banks policies – KYC, AML, account reviews as per risk levels and high value transaction monitoring.

• Self-starter to ensure consistency in productivity and performance.

Problem Solving

• Staff attrition tends to be high in entry level sales and hence 1-1 coaching and leadership is required for new joiners to achieve productivity levels. 

• Incentives are tracked and paid to staff and assist in any queries.

• Hands on relationship management required to ensure effective and timely delivery of banks’ services / products through proactive interaction across various units.

• Responsible to resolve customer problems/complaints and handling it till final resolution through coordinating with line managers and other channel partners.

Decision Making Authority & Responsibility

• Cover for the Team Leader during their absence
• Responsible for assisting staff and customers in achieving their goals and objectives
• Strong responsibility for Ethical selling to customers with complete disclosure about the project

Knowledge, Skills and Experience

• Sales profile that requires confidence, persistence, likeable personality, verbal written skills 
• Strong knowledge of products, service policies and processes of Retail Banking
• Graduate and have experience in Sales & Marketing with 7 - 10 plus years banking sales experience

Job Holder

Date

Line Manager

Date

Approved By

Date