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credit relationship manager

Sundus

<div>
 Job Title:
 
 Relationship Manager &ndash; Small Business Finance
 
 
 
 Job Location: Dubai
 
 
 Experience- 5+ years
 
 
 Duration- 2 years renewable
 
 
 Client- Bank
 
 
 Payroll- Sundus
 
 
 Working days- 5 days
 
 
 Education: Bachelor&rsquo;s degree
 
 
 Industry: Banking - Financial Services
 
 
 
 Previous Experience
 
 
 
 <ul>
 <li>
 Minimum five (05) years' experience as a Relationship Management experience in a banking environment
 </li>
 <li>
 Minimum Qualification &ndash; Bachelor&rsquo;s degree
 
 
 </li>
 </ul>
 
 Specialist Skills / Technical Knowledge Required For This Role
 
 
 
 <ul>
 <li>
 Good knowledge of CLIENT&rsquo;s Business Banking products &amp; services
 </li>
 <li>
 Experience of credit analyses.
 </li>
 <li>
 Good knowledge of CLIENT&rsquo;s Operational Policies &amp; Procedures
 </li>
 <li>
 Proficient in credit appraisal techniques including credit, risk, business &amp; financial analysis.
 </li>
 <li>
 Knowledge of Business Relationship Management.
 </li>
 <li>
 Fair Knowledge of UAE banking practices, regulations &amp; risks
 </li>
 <li>
 Good Knowledge of Anti-Money laundering regulations issued by the client and other regulatory authorities
 </li>
 <li>
 General awareness of competitors in the local market
 </li>
 <li>
 Excellent knowledge of service standards
 </li>
 <li>
 Knowledge of Cross Sales
 </li>
 <li>
 Computer skills
 </li>
 <li>
 Excellent Communication Skills.
 
 
 </li>
 </ul>
 
 Responsibilities
 
 
 
 Credit
 
 
 <ul>
 <li>
 Acquire volumes principally from within the bank&rsquo;s existing portfolio
 
 
 </li>
 </ul>
 (x-sell) and through other contacts / efforts and Develops a database
 
 
 of qualified leads through referrals, telephone canvassing, face to face
 
 
 cold calling with business owners, direct mail, email, and networking
 
 
 on selective basis, as to achieve your business targets
 
 
 <ul>
 <li>
 Call Report preparation to be high standards i.e. informative,
 
 
 </li>
 </ul>
 presentable, conclusive, professional, and comprehensive
 
 
 <ul>
 <li>
 Prepare credit applications &ndash; analysis financial statements/bank
 
 
 </li>
 </ul>
 statements and make it ready for the approval. Ensure that CA&rsquo;s for
 
 
 clients are correctly prepared in accordance with the bank polices and
 
 
 regulatory framework.
 
 
 <ul>
 <li>
 Analyze of working capital requirements for clients, monitors
 
 
 </li>
 </ul>
 financial health of the client&rsquo;s business and industry.
 
 
 <ul>
 <li>
 Ensure that all documentations for credit proposals are complete with
 
 
 </li>
 </ul>
 sufficient covered collaterals.
 
 
 <ul>
 <li>
 Initiates and ensures disbursements and adjustments of facilities.
 </li>
 <li>
 Ensure that the approved credit lines are valid and available for the
 
 
 </li>
 </ul>
 clients.
 
 
 <ul>
 <li>
 Liaise with various internal departments (credit-risk, legal, operations,
 
 
 </li>
 </ul>
 Trade finance&hellip;) for smooth and quick turnaround of transactions.
 
 
 <ul>
 <li>
 Strictly adhere to Bank&rsquo;s financing policy Manual and report any
 
 
 </li>
 </ul>
 exceptions
 
 
 <ul>
 <li>
 Proper credit monitoring, through different methods mainly regular
 
 
 </li>
 </ul>
 customer&rsquo;s sites visits i.e. office, showrooms, warehouses... and
 
 
 providing call reports for the same.
 
 
 <ul>
 <li>
 Recover of banks dues in time through the daily reports and follow
 
 
 </li>
 </ul>
 ups
 
 
 <ul>
 <li>
 Must provide practical and suitable options to help Consumers make
 
 
 </li>
 </ul>
 informed decisions that are in Consumers&rsquo; best interest including
 
 
 assessment of appropriateness, affordability, and suitability.
 
 
 <ul>
 <li>
 Ensure ethical sales practices are followed without fail
 
 
 </li>
 </ul>
 which must be conducted with due skill, care and
 
 
 diligence, integrity and in a fair, honest and professional
 
 
 manner towards consumers. Must not indulge in
 
 
 misleading or aggressive sales practices and exploitation
 
 
 of customers due to their vulnerabilities, apathy or lack of
 
 
 knowledge
 
 
 <ul>
 <li>
 Must take necessary steps to ensure that Customers are
 
 
 </li>
 </ul>
 made aware of and understand the proposed terms and
 
 
 conditions prior to the final stage of the sales process or
 
 
 the time of signing of the Facility Offer Letter
 
 
 Customer Service
 
 
 <ul>
 <li>
 Maintain contact with all clients in the market area to ensure high
 
 
 </li>
 </ul>
 levels of Client Satisfaction.
 
 
 <ul>
 <li>
 Maintain high standard service with customers and ensure no
 
 
 </li>
 </ul>
 complains.
 
 
 <ul>
 <li>
 Responding on customers calls and starts with appropriate greetings.
 </li>
 <li>
 Develops, enhances, and maintains relationships with prospective
 
 
 </li>
 </ul>
 clients to ensure revenue / profit targets are met/ exceeded.
 
 
 <ul>
 <li>
 Ensure that service quality norms and client satisfaction scores are
 
 
 </li>
 </ul>
 met for their set of clients.
 
 
 To do regular visits to the customer&rsquo;s
 
 
 Internal / External Cooperation
 
 
 <ul>
 <li>
 Demonstrate ability to interact and cooperate with all bank employees.
 </li>
 <li>
 Build trust, value others, communicate effectively, drive execution,
 
 
 </li>
 </ul>
 foster innovation, focus on the customer, collaborate with others,
 
 
 solve problems creatively and demonstrate high integrity.
 
 
 <ul>
 <li>
 Maintain professional internal and external relationships that meet
 
 
 </li>
 </ul>
 department core values.
 
 
 <ul>
 <li>
 Proactively establish and maintain effective working team
 
 
 </li>
 </ul>
 relationships with all support departments
 
 
 <ul>
 <li>
 Must complete mandatory trainings within bank provided timelines
 
 
 </li>
 </ul>
 and ensure that the staff enhance their skills by opting for/undergoing
 
 
 appropriate trainings as per their development requirements identified
 
 
 through discussions with their Line Managers.
</div>

Relationship Manager – Small Business Finance

COMMUNIK MARKETING MANAGMENT EST

Walk-In Interview &ndash; Relationship Officer (Credit Card Sales)Date: 23rd Decemeber 2025 - 27th December 2025Time: 11:00 AM &ndash; 1:00 PMVenue: Communik Marketing Management Est. &ndash; Main Branch M-13, ACICO Business Park, Shaikh Rashid Road, Port Saeed, Dubai (Nearest Metro: Deira City Centre Metro Station)Location Link: https://lnkd.in/dQSXBFnVPosition: Relationship Officer &ndash; Credit Card SalesRequirements:Excellent communication &amp; sales skillsPrior experience in credit card or banking sales preferredSelf-motivated and target-orientedVisa will be providedSalary: Performance-based (AED 2,500 &ndash; 5,000)Join us and grow with a dynamic sales team!Job Type: Full-timePay: AED2,500.00 - AED5,000.00 per month

Walk-In Interview – Relationship Officer (Credit Card Sales)

Manlift Middle East LLC

Company: Manlift Middle East LLCJob Title: Credit Control ManagerReporting to: Finance Manager - UAEIndustry: Aerial Work PlatformAbout the Company:Manlift is an international company specialising in renting and selling aerial work platforms and related machinery of renowned brands which include JLG, Genie &amp; Teupen among others. Over the years, Manlift has grown into a specialist in the area of working safely and efficiently at heights across the UAE, Qatar and India. By continuously investing in people, quality and innovation, Manlift has become a leading international player. With its international operation and support, Manlift can offer its customers the best possible service wherever they are.Purpose of the Role: This role is responsible for overseeing the day-to-day finance and accounting activities for Manlift&rsquo;s businesses. The position will also support the Finance Manager in driving business performance through revenue enhancement and effective cost control.Tasks and responsibilities:1. Credit Policy &amp; Governance<ul><li>Develop and implement credit control policies, procedures, and approval matrices.</li><li>Evaluate credit worthiness of customers using financial analysis, credit reports, trade references, and internal policies.</li><li>Review and recommend customer credit limits to management.</li><li>Ensure compliance with company credit policy, IFRS requirements, and audit standards.</li></ul>2. Customer Credit Management<ul><li>Conduct credit checks for new customers and periodic reviews of existing customers.</li><li>Monitor ageing of receivables and identify high-risk customers.</li><li>Approve or recommend terms of payment, credit periods, and special arrangements.</li><li>Work closely with commercial teams on onboarding processes and customer risk assessment.</li></ul>3. Collections &amp; Receivables Management<ul><li>Lead, manage, and motivate the collections team to ensure timely receipt of outstanding payments.</li><li>Monitor daily, weekly, and monthly collections performance.</li><li>Implement proactive collection strategies to reduce Days Sales Outstanding (DSO).</li><li>Ensure timely follow-up of overdue accounts and initiate escalation protocols.</li><li>Handle complex or major customer accounts directly.</li></ul>4. Dispute Resolution/Legal<ul><li>Identify and resolve billing, pricing, delivery, and contract-related disputes affecting collections.</li><li>Coordinate with sales, finance, operations, and customer service teams to resolve customer queries/credit notes.</li><li>Ensure timely issuance of credit notes and debit notes as per approval policies.</li><li>Liaison with external lawyers in taking legal action against defaulting customers, follow up on the cases and periodic meeting with lawyers to discuss various actions to recover the dues.</li></ul>5. Reporting &amp; Analysis<ul><li>Prepare monthly ageing analysis, DSO reports, forecasted collections, and overdue analysis reports.</li><li>Highlight red flags, doubtful debts, and slow-moving accounts to management.</li><li>Assist in provisioning for doubtful debts as per IFRS.</li><li>Present monthly performance PowerPoint for MBR.</li></ul>6. Process Improvement &amp; Systems<ul><li>Enhance automation of collections processes through ERP, CRM, or credit control systems.</li><li>Implement best practices to improve efficiency, reduce disputes, and strengthen controls.</li><li>Ensure accurate customer master creation and maintenance.</li></ul>7. Team Management<ul><li>Lead and supervise the credit control and collections team.</li><li>Provide training, coaching, and development for team members.</li><li>Set KPIs for team performance and monitor results.</li></ul>Skills &amp; Competencies:<ul><li>Strong knowledge of credit management principles, financial analysis, and risk assessment.</li><li>Excellent communication, negotiation, and stakeholder management skills.</li><li>High level of analytical ability and commercial acumen.</li><li>Strong command of ERP systems (SAP/Oracle/), Excel, and reporting tools.</li><li>Ability to manage pressure, deadlines, and difficult conversations professionally.</li></ul>Qualifications &amp; Experience:<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, or Business.</li><li>Professional qualifications (CMA/ACCA/CPA/CFA) an added advantage.</li><li>5&ndash;10 years of experience in credit control, receivables, or finance operations.</li><li>Experience in managing collections for large key accounts and high transaction volumes.</li><li>Prior experience in contracting and Construction industries preferred.</li></ul>Job Types: Full-time, Permanent

Credit Control Manager - UAE

Money Concepts financial brokers

&quot;RELATIONSHIP OFFICERS&quot;&quot;PEOPLE WITH MATCHING EXPERIENCE AND AVAILABLE IN UAE, CAN JOIN IMMEDIATELY, O​NLY TO APPLY&quot;We are looking for Relationship / Sales Officer (tele callers) for sales of Credit Cards.Multiple vacancies are open for this positionWHAT WE OFFER .Salary 2,000-5,000 AED /pm + commission based on salesVisa and medical insurance provided by companyRequirements: Banking retail sales experience in UAE minimum 6 months or 1+ years in home country. Fluent in English, (Written and Spoken) .Product Training will be provided by the CompanyProfessional working environmentCandidates from Asian region ONLY ​apply.Send your Resume on the the given number.All others DO NOT APPLYMr Iqbal A K . +971562455241Call and whatsappJob Type: Full-timePay: AED2,000.00 - AED5,000.00 per monthApplication Question(s):<ul><li>Can join immediately</li></ul>Experience:<ul><li>Credit card and personal loans sales: 1 year (Required)</li></ul>Language:<ul><li>Fluent English (Required)</li></ul>Location:<ul><li>Dubai (Required)</li></ul>

Relationship officers for the sales of credit cards

Virtusa

Work closely with stakeholders to understand and document business requirements, specifically around the Credit Journey (from credit application to approval and disbursement).Analyze and map current business processes, identifying opportunities for improvement and optimization within the Corporate Banking credit processes.Collaborate with business and technical teams to define and prioritize features, enhancements, and solutions for the Credit Journey.Ensure all requirements are clearly defined and communicated to development teams, ensuring alignment with business needs and regulatory requirements.Perform data analysis and reporting to support decision-making and track progress against business goals.Act as a liaison between business users and technical teams, translating business needs into actionable technical requirements.Support testing efforts, including user acceptance testing (UAT), to ensure successful delivery of solutions.Monitor project timelines and deliverables, ensuring successful implementation of solutions within the Corporate Banking space.

Corporate Credit BA

United Arab Bank

<div>
 
 
 Job Purpose
 
 :
 
 
 The Unit Manager &ndash; Commercial Banking lead the Commercial banking client portfolio (Assets &amp; Liabilities), across mid-market, SME and upper SME clients. The role is responsible for building a high-quality lending book, managing a team of relationship managers (RMs/ SRMs), ensuring strong credit underwriting discipline, driving revenue growth, and maintaining roust risk and compliance standard in line with UAE central bank regulation and bank&rsquo;s internal governance framework
 
 
 
 
 
 
 Principal Accountabilities
 
 :
 
 
 
 Business Development &amp; Portfolio Growth
 
 
 <ul>
 <li>
 Drive acquisition of new to bank relationships across Commercial segment defined.
 </li>
 <li>
 Deliver on annual asset growth targets (Working capital, loans, Trade finance and Cash Management products)
 </li>
 <li>
 Lead a team of relationship managers, to achieve business targets
 </li>
 <li>
 Build industry specify strategies
 </li>
 <li>
 Lead Cross-sell/Upsell initiatives from GTB &amp; Treasury (Trade, Cash, FX &amp; derivatives, Payments)
 </li>
 <li>
 Conduct Market research to identify new business opportunities and competitor strategies
 </li>
 <li>
 Ensure deepening of wallet share through structure finance and trade utilization
 </li>
 </ul>
 
 
 
 
 
 Credit &amp; Risk Management
 
 
 <ul>
 <li>
 Ensure high quality credit proposals, financials spreading, and cash -flow analysis
 </li>
 <li>
 Review credit applications for accuracy, compliance and risk appetite alignment
 </li>
 <li>
 Maintain portfolio quality through proactive monitoring of early warning signals (EWS)
 </li>
 <li>
 Manage overdue, restructuring, recovery actions in collaboration with credit/ SAM
 </li>
 <li>
 Uphold regulatory expectations: CBUAE guidelines, IFRS9, AML/ KYC Sanctions and ESG
 </li>
 </ul>
 
 
 
 
 
 Leadership &amp; Team Management
 
 
 <ul>
 <li>
 Lead, coach, and mentor a team of Relationship Managers and Assistant RMs.
 </li>
 <li>
 Conduct regular reviews of RM pipelines, call reports, and portfolio plans.
 </li>
 <li>
 Drive productivity benchmarks (average monthly asset booking, revenue/RM, pipeline coverage).
 </li>
 <li>
 Ensure training on products, credit skills, compliance and sales excellence.
 </li>
 <li>
 Instill a culture of integrity, governance and customer-centricity.
 </li>
 </ul>
 
 
 
 
 
 Client Management &amp; Customer Experience
 
 
 <ul>
 <li>
 Act as senior escalation point clients.
 </li>
 <li>
 Build strong client relationships, ensuring high service quality and fast TAT.
 </li>
 <li>
 Partner with Operations, GTB, Trade OPS, CCU, and Legal to ensure seamless delivery.
 </li>
 <li>
 Promote digital adoption (Online Banking, Cash Management Portal, API Banking, Mobile).
 </li>
 </ul>
 
 
 
 
 
 Governance Compliance &amp; Risk Management
 
 
 <ul>
 <li>
 Ensure full adherence to KYC/AML, Sanctions, Enhanced Due Diligence (EDD) and onboarding rules.
 </li>
 <li>
 Maintain complete documentation, covenant monitoring and annual reviews.
 </li>
 <li>
 Enforce policy compliance for pricing, collateral, security documentation and facility usage.
 </li>
 <li>
 Support internal/external audits and close all observations on time.
 </li>
 </ul>
 
 
 
 
 
 Job Requirements
 
 :
 
 <ul>
 <li>
 Bachelor's degree in finance, business, or a related field MBA or professional banking qualifications (ACCA, CFA, IFQ) preferred.
 </li>
 <li>
 10+ years in SME/corporate banking, or financial services, with a proven track record in sales &amp; relationship management and Team Management
 </li>
 </ul>
</div>

Unit Manager, Commercial Banking (Assets & Liabilities) Wholesale Banking

<div>
 
 
 Job Purpose
 
 :
 
 
 The Portfolio &amp; Analytics Manager will be responsible for managing, analyzing, and optimizing the Commercial Banking portfolio across Assets, Liabilities, and all Commercial Banking Products. The role requires strong quantitative, analytical, and strategic skills to support growth objectives, ensure portfolio quality, and drive data-led decision-making. This position will work closely with Product Manager, Relationship Management, Credit, Risk, Finance, and senior leadership to provide insights and recommend strategies that balance growth, profitability, and risk.
 
 
 
 
 
 
 Principal Accountabilities
 
 :
 
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 
 
 Portfolio Management
 
 
 <ul>
 <li>
 Monitor the Commercial Banking portfolio across loans, deposits, trade finance, and cash management.
 </li>
 <li>
 Track key portfolio metrics (growth, yield, concentration, delinquencies, RAROC, cross-sell ratios, etc.).
 </li>
 <li>
 Conduct portfolio segmentation (by sector, geography, customer size, and risk profile).
 </li>
 <li>
 Provide early warning signals and recommend actions for stressed sectors or customers.
 </li>
 <li>
 Drive balance sheet optimization and product mix strategies to maximize profitability
 
 .
 
 </li>
 </ul>
 
 
 
 
 
 Analytics &amp; Insights
 
 
 <ul>
 <li>
 Develop dashboards, MIS, and portfolio performance reports for management committees
 </li>
 <li>
 Conduct scenario analysis, stress testing, and sensitivity analysis on the portfolio.
 </li>
 <li>
 Support product teams with data-driven insights for pricing, campaign design, and customer targeting.
 </li>
 <li>
 Apply advanced analytics (including statistical modeling, credit scoring, and trend forecasting) to identify growth opportunities.
 </li>
 <li>
 Benchmark portfolio performance against peers and market trends
 </li>
 </ul>
 
 
 
 
 
 Strategy &amp; Business Planning
 
 
 <ul>
 <li>
 Support annual planning, budgeting, and forecasting with detailed portfolio analytics.
 </li>
 <li>
 Provide inputs to product and segment strategies, ensuring risk-return alignment.
 </li>
 <li>
 Evaluate customer acquisition, retention, and profitability at segment and product levels.
 </li>
 <li>
 Support decision-making for new initiatives, such as segment growth, liability mobilization, or digital solutions.
 </li>
 </ul>
 
 
 
 
 
 Risk &amp; Compliance
 
 
 <ul>
 <li>
 Ensure portfolio monitoring adheres to internal credit policy and UAE Central Bank regulatory requirements.
 </li>
 <li>
 Provide data inputs for risk appetite frameworks and sectoral exposure limits.
 </li>
 <li>
 Collaborate with Risk teams to identify high/medium/low risk sectors and ensure mitigation plans.
 </li>
 <li>
 Maintain compliance with KYC/AML monitoring through portfolio-level analytics.
 </li>
 </ul>
 
 
 
 
 
 Job Requirement
 
 :
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in finance, Business, Economics, Statistics, or related field (Master&rsquo;s/MBA preferred or Professional Certification in Finance)
 </li>
 <li>
 7&ndash;10 years of experience in commercial/corporate banking, with at least 3 years in portfolio/analytics roles. Strong knowledge of credit, liabilities, transaction banking, and UAE commercial banking landscape. Proven track record in financial and portfolio analysis, reporting, and strategy development.
 </li>
 </ul>
 
 
</div>

Manager, Portfolio & Analytics, Commercial Banking - Wholesale Banking

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