Relationship Manager - Commercial Cards

Role Overview

The Relationship Manager for Commercial Cards is responsible for acquiring and managing corporate clients for a range of Shariah-compliant commercial card products offered by the bank, such as Corporate, Purchasing, and Travel & Expense cards. The role focuses on portfolio growth, delivering excellent client experiences, and driving sustainable revenue within the framework of Islamic banking principles.

Key Responsibilities

• Identify and onboard corporate clients for commercial card solutions.
• Maintain strong, long-term partnerships with CFOs, finance departments, and procurement leaders.
• Serve as the main contact for assigned clients, ensuring exceptional service and client retention.
• Promote and sell Shariah-compliant card products while meeting prescribed sales and revenue goals.
• Collaborate with Credit Risk teams to evaluate client creditworthiness and card limits.
• Ensure adherence to Islamic banking standards, internal protocols, and UAE Central Bank rules.
• Track portfolio metrics such as performance, utilization, and delinquency, implementing corrective actions proactively.
• Manage client onboarding, documentation, and compliance with KYC/AML requirements.
• Oversee card issuance processes, credit limit adjustments, renewals, and routine account reviews.
• Promptly address client inquiries, service concerns, and issue escalations.
• Coordinate with Product, Operations, Compliance, Risk, and IT departments to deliver integrated client solutions.
• Compile regular management information system (MIS) reports detailing sales achievements, pipeline status, and portfolio condition.

Required Skills and Experience

• 3 to 5 years of relevant experience in Commercial Cards, Transaction Banking, or Corporate/SME Banking.
• Experience in Islamic banking or familiarity with Shariah-compliant financial products is advantageous.
• Comprehensive understanding of the UAE corporate sector and regulatory landscape.
• Proven expertise in relationship management and consultative sales.
• Knowledge of commercial card offerings and expense management platforms.
• Ability to perform financial analyses and credit assessments.
• Strong verbal and written communication, alongside presentation skills.
• Proficiency with MS Office tools and Customer Relationship Management (CRM) software.
• Client-focused mindset combined with a target-oriented work ethic.
• Excellent negotiation and problem-solving capabilities.
• Capacity to operate independently as well as part of a team.
• University degree in a relevant field is required.
• Understanding of marketing strategies, including competitor analysis and customer experience considerations.
• Familiarity with the UAE cards market landscape and major competitors.
• Competence in opportunity identification, negotiation, and evaluating post-campaign outcomes.

Additional Information

Location: Dubai