Senior Relationship Manager – Corporate Liabilities (UAE)

Job PurposeResponsible for originating, managing, and expanding relationships with Corporate Banking clients, with primary focus on liability generation, transaction banking, FX revenues, and fee income. The incumbent will drive the acquisition of new-to-bank corporate relationships while deepening existing client engagement to increase deposit balances, transactional flows, treasury revenues, and cash-backed non-funded facilities. The role holder will be tasked in delivering comprehensive banking solutions through close collaboration with Product, Treasury, Trade Finance, Operations, Risk, and Compliance teams, while ensuring sustainable and profitable portfolio growth as per the bank’s policies.Key ResponsibilitiesManage and grow a portfolio of corporate banking relationships with a primary focus on liability acquisition, transaction banking revenues, FX income, and fee generation. Acquire new-to-bank corporate clients and deepen existing relationships to increase wallet share, client retention, and overall relationship profitability. Drive growth in CASA balances, operating accounts, term deposits, escrow balances, and other liability products in line with the Bank's funding objectives. Build and maintain strong relationships with CFOs, Treasurers, Finance Directors, business owners, and other key decision-makers within client organizations. Identify, originate, and execute opportunities across cash management, payments, collections, liquidity management, virtual accounts, escrow services, and digital banking solutions.Generate foreign exchange revenues by capturing client transactional flows and promoting treasury solutions, including spot FX, forward contracts, and hedging products. Originate and grow 100% cash-backed non-funded facilities, including Letters of Credit, Letters of Guarantee, Bid Bonds, Performance Guarantees, Advance Payment Guarantees, and other trade-related instruments.Drive fee income generation through transaction banking, FX, trade finance, and non-funded products.Develop and implement client account plans to increase product penetration, strengthen client engagement, and enhance revenue contribution. Monitor client activities, industry developments, and market trends to identify new business opportunities and maintain a competitive market presence. Manage complex client relationships independently while ensuring superior service delivery and timely resolution of client queries and requests through close coordination with internal stakeholders. Collaborate closely with Transaction Banking, Treasury, Trade Finance, Product, Operations, Credit, Risk, Compliance, and other support functions to deliver comprehensive banking solutions and an enhanced client experience. Ensure timely onboarding, periodic reviews, and ongoing maintenance of client relationships in accordance with the Bank's policies and regulatory requirements. Adhere to all applicable regulatory requirements, including KYC, AML, sanctions, and internal policies, while maintaining strong governance and risk management standards. Monitor portfolio performance, identify early warning signals, and implement or coordinate appropriate remedial actions to mitigate potential risks and protect the Bank's interests. Manage assigned business and revenue targets, including liabilities, FX revenues, transaction banking revenues, cash-backed non-funded volumes, fee income, and overall portfolio profitability. Maintain effective relationships with internal stakeholders and external partners to ensure seamless service delivery and achievement of business objectives. Contribute to the achievement of the Corporate Coverage team's strategic goals through disciplined execution, proactive client engagement, and cross-functional collaboration.Market Conduct &Consumer Protection ResponsibilitiesMust provide information in a proactive and transparent manner to allow a customer sufficient time to understand the information, including the terms and conditions. All information on products and services aimed at and for Customers must have clear, transparent and consistent disclosures and comply with all applicable documentation requirements.Undertake awareness and educational initiatives to and for customers which includes but not limited to raise awareness of the banking services and financial products and their inherent risk through all channels of communications (i.e. SMS, Emails, Website, ATMs, Branches) Must regularly monitor and improve the effectiveness of their disclosures with techniques including and not limited to Complaint analysis and Customer satisfaction surveys. Take necessary steps to ensure that Customers are made aware of and understand the proposed terms and conditions prior to the final stage of the process or the time of signing of the agreement. Undertake initiatives to mitigate any potential risks and assist customers to make an informed financial decision. Assist to implement and carry out the Central Bank of UAE’s requirements with a focus or approach of the educational and awareness programs to be provided by the Bank.Qualifications & ExperienceBachelor’s degree in Finance, Accounting, Commerce, or a related discipline is required.Master's degree in Accounting, Finance, Economics, or a related discipline is preferred.Minimum 5-6 years of practical experience in a bank with 3 years in the same or similar function.