Associate Relationship Manager- Liabilities & Cash Management

Role       : Associate Relationship Manager
Location : Abu Dhabi                            
Role Purpose:
To 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 (account onboarding through service execution) while achieving assigned financial targets and ensuring full compliance. 
    
Key Accountabilities of the role      
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 financial targets including:
• Liability growth (CASA / Wakala deposits)
• Fee income from cash management & transaction banking
• 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 (KYC, documentation review, system input, 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 & escalate exceptions or complex matters appropriately.

Process & Reporting

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

Behavioral Competencies: 

• Customer Orientation.
• Communication.
• Quality standards.
• Teamwork.
• Technical knowledge.
• Information Gathering.
• Problem Solving.
• Initiative & Change. 
   

Specialist Skills / Technical Knowledge Required for this role:
 

• 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. 

Required experience: 

• 3-5 years experience 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