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