Relationship Manager - Business Banking -Liabilities

About the Role
In this role, you will focus on acquiring small to medium customer relationships primarily concerned with liabilities booking. You will provide general and tailored advice and solutions to customers while maintaining a well-structured portfolio in line with the company's risk and regulatory frameworks. You will also be responsible for enhancing revenue generation from both existing and new relationships, ensuring high service standards are met, and adhering to the company's policies and regulations.

Responsibilities

• Acquire New-To-Bank clients focused on high value deposit customers to bring budgeted Net New Money (NNM) to the company and maintain profitable SME liability/deposit relationships to meet individual and Unit targets.
• Actively market “New-To-Bank” (NTB) SME relationships in accordance with the company's policy, procedures, and Sharia laws.
• Regularly review market trends to identify profitable opportunities in selected segments, aligned with the company's overall policy and risk appetite.
• Manage a team of Relationship Managers (RM), Relationship Officers (RO), and Customer Service Representatives (CSRs) in the absence of the Unit Head, providing leadership to Business Banking RMs and ROs for selective relationship acquisition and growth while satisfying the transactional needs of Business Banking customers.
• Identify and analyze potential risk areas within the portfolio and devise appropriate solutions.
• Implement agreed-upon relationship management strategies to enhance the company's market image and achieve targeted volumes and revenues.
• Ensure effective utilization of opened accounts to maximize identified liability targets (Casa, Fixed Deposits). Identify loss-making customers and develop strategies to improve their profitability, whether through cross-selling, up-selling, or encouraging them to exit. Continuously seek to increase revenue margins from customer relationships.
• Ensure that customer transactions remain profitable relative to associated risks and recognize early warning signals of unsatisfactory account conduct.
• Comply with the company's internal policies and procedures and with regulations issued by the relevant authorities.
• Collaborate with internal audit and risk management to address gaps, respond to audit findings within agreed deadlines, and monitor for money laundering activities while coordinating remedial actions with management.

Qualifications

• Bachelor’s degree is required.
• Minimum of 5 years experience in SME Liabilities & Trade.