Relationship Manager - SME Coverage (Mandarin Speaking)

At RAKBANK, we believe in fostering a culture of innovation, growth, and excellence. We are not just a bank – we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance.

We’re looking for driven Relationship Manager for SME Coverage team to engage with our Chinese client segment. The Relationship Manager is responsible for managing and expanding a high‑value portfolio of SME clients across both liability and asset products, with a strong focus on structured trade finance solutions such as letters of credit, bank guarantees, supply chain financing, working capital loans, and commercial loans. This role centers on building deep, trusted client relationships, understanding business needs, and delivering tailored financial solutions that enhance liquidity and operational efficiency. By proactively onboarding new high‑value clients, strengthening existing relationships, and driving cross‑sell opportunities, the Relationship Manager plays a key role in increasing the bank’s liability book, optimizing credit quality, and delivering exceptional service to maximize overall profitability.

What You Will Be Doing:

• Build and nurture strong relationships with SME clients by understanding their trade cycles, working capital needs, and overall business priorities.
• Analyze client cash flow patterns and recommend customized working capital optimization strategies.
• Manage and expand a high‑value SME portfolio, consistently delivering on annual business and revenue targets.
• Conduct deep‑dive assessments of clients’ business models, financial structures, and industry dynamics to offer tailored banking solutions.
• Identify client growth potential and strategically enhance the bank’s wallet share across assigned relationships.
• Spot cross‑selling opportunities for SME products such as POS Lending, Asset-Backed Lending, Supply Chain Finance, and Cash Management solutions.
• Drive portfolio profitability while maintaining high credit standards and sound risk management practices.
• Prepare robust credit proposals, supported by detailed financial analysis and risk evaluation.
• Monitor client portfolio health, detect early warning signals, and proactively implement risk mitigation actions.
• Collaborate closely with Credit, Operations, and Compliance teams to ensure smooth onboarding, documentation, and service delivery.
• Resolve client queries promptly, ensuring exceptional service quality and strong relationship retention.
• Stay updated on market trends and regulatory changes, leveraging insights to advise clients and identify new business opportunities.What You Should Have

• Bachelor’s degree in finance, Economics, Business Administration, or a related field (MBA or CFA preferred)
• 7–10 years of experience in SME Banking, including Acquisitions, business development and relationship management.
• Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region
• Fluent Mandarin/English speaking and writing
What We Are Looking For

• Strong understanding of SME banking in UAE and lending & liability products
• Strong understanding of credit analysis, financial statements, and lending structures
• Ability to interpret financial documents (P&L, balance sheets).
• Excellent communication and interpersonal skills.
• Knowledge of UAE regulatory environment and corporate governance standards
• Familiarity with digital banking platforms and financial technology solutions
• Excellent communication, negotiation, and presentation skills
• Strategic thinking with strong commercial acumen
• High ethical standards and integrity
• Sales-driven with strong negotiation and closing skills.
What’s In It for You

• Pay for performance culture (Competitive and performance-linked compensation)
• Diverse workforce and inclusive culture
• Career development and growth opportunities by design
• Work with the best minds in the field
• Get opportunities to bring your whole self to the organization and perform to your best.