sme relationship manager

Fawry MSME Finance

<div>
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 Acquire new B2B SME clients through proactive prospecting, referrals, and market networking.
 
 
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 Conduct market mapping and lead generation to identify potential SME clients and business opportunities.
 
 
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 Build and maintain strong B2B relationships to drive sustainable portfolio growth.
 
 
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 Assess clients&rsquo; financial and business needs to propose suitable financial solutions.
 
 
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 Prepare and submit accurate and complete loan applications in coordination with internal teams.
 
 
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 Collaborate with Credit, Risk, and Operations teams to ensure smooth and timely onboarding of new clients.
 
 
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 Monitor clients&rsquo; financial performance to ensure portfolio quality and minimize risk.
 
 
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 Achieve acquisition and portfolio growth targets in line with business objectives.
 
 
 
 
 
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 Requirements
 
 
 
 &middot; Bachelor&rsquo;s degree in finance, Business Administration, or a related field.
 
 
 
 &middot; Previous experience from 1-3 years in financial services or banking is a must.
 
 
 
 &middot; Customer Relationship Management and Client Servicing skills.
 
 
 
 &middot; Experience in acquiring and managing FMCG clients.
 
 
 
 &middot; Market Research and Business Development skills..
 
 
 
 &middot; Excellent Communication and Negotiation skills
 
 
 
 
 
</div>

SME Relationship Manager

Yubi MENA

<div>
 
 
 Relationship Manager &ndash; SME (Dubai)
 
 
 
 
 
 
 
 Location:
 
 Dubai, UAE
 
 
 
 
 
 
 About Us:
 
 
 
 Yubi is a disruptor in the global corporate debt market, offering a range of innovative digital finance solutions. With a mission to redefine the debt ecosystem, Yubi is rapidly expanding from India to the global stage with a diverse and holistic product suite. Backed by marquee investors such as Insight Partners, B Capital Group, Peak XV partners, and others, Yubi is revolutionising the way businesses access capital.
 
 
 
 
 
 We pride ourselves on a collaborative, transparent, and empowering culture where people are at the core of our growth. If you&rsquo;re looking to make an impact in a dynamic, fast-paced environment, we&rsquo;d love to have you join our epic growth story.
 
 
 
 
 
 
 Role Overview:
 
 
 
 
 
 
 The
 
 Relationship Manager &ndash; SME
 
 will play a key role in scaling up Yubi Loans, focusing on acquiring and onboarding SME borrowers in the UAE. You will be responsible for developing and executing business development strategies, building strong relationships with SME clients across multiple sectors, and ensuring they successfully adopt the Yubi Loans platform for their financing needs.
 
 
 
 
 
 This is an exciting opportunity for a seasoned relationship manager with a background in SME and corporate banking, especially in business loans, working capital solutions, and other forms of financing, to contribute to Yubi&rsquo;s mission of transforming the debt market.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 <ul>
 <li>
 
 Client Acquisition:
 
 Identify and acquire SME and corporate borrowers across various financing products, including Business Loans, POS Merchant Loans, Loan Against Property, Equipment Loans, Working Capital, and Trade Finance. Pitch Yubi&rsquo;s value proposition and successfully onboard clients onto the Yubi Loans platform.
 </li>
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 Business Development:
 
 Conduct proactive business development activities, including outreach, prospecting, and lead generation, to build a robust pipeline of SME and corporate clients.
 </li>
 <li>
 
 Client Engagement:
 
 Develop and manage relationships with key decision-makers (CXOs, CFOs, Treasury teams) of target clients. Foster ongoing engagement throughout the sales process to ensure successful onboarding.
 </li>
 <li>
 
 Needs Assessment &amp; Pitching:
 
 Understand clients' debt requirements and tailor Yubi&rsquo;s products and solutions to address their specific financing needs.
 </li>
 <li>
 
 Transaction Handover:
 
 Ensure smooth handover of onboarded clients to the internal transaction execution team for deal closure and post-onboarding support.
 </li>
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 Account Management:
 
 Monitor the progress of onboarded clients and ensure they remain active on the platform by tracking transaction statuses and fulfilling financing requirements.
 </li>
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 Feedback Loop:
 
 Collect feedback from clients to enhance the onboarding process continuously and share insights with the product and technology teams to improve the customer experience.
 </li>
 </ul>
 
 
 
 
 
 Required Skills &amp; Experience:
 
 
 <ul>
 <li>
 
 Experience:
 
 Minimum of 5 years and up to 15 years of experience in SME and corporate client acquisition, with a strong understanding of enterprise financing products.
 </li>
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 Financial Products Expertise:
 
 In-depth knowledge of SME and commercial banking asset products, including Unsecured Business Loans, Merchant POS Loans, Asset-Backed Loans, Loan Against Property, CAPEX Loans, Working Capital, and Trade Finance.
 </li>
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 Sales &amp; Lead Generation:
 
 Proven track record of generating leads and achieving B2B sales targets. Experience in cold calling, prospect meetings, and creative strategies for lead generation.
 </li>
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 Relationship Management:
 
 Ability to build and maintain relationships with high-level decision-makers (CXO/CFO/Executive Teams) and manage multiple relationships simultaneously.
 </li>
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 CRM Proficiency:
 
 Familiarity with CRM tools (e.g., Hubspot) for data tracking, lead management, and reporting.
 </li>
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 Multilingual Fluency:
 
 Additional language skills are a plus, enabling communication across diverse SME sectors.
 </li>
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 Self-Starter &amp; Entrepreneurial:
 
 A results-driven professional who is proactive, adaptable, and capable of scaling a business rapidly.
 </li>
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 Target-Driven:
 
 Strong track record of meeting sales goals and driving the sales process from lead generation to closing deals.
 </li>
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 Communication Skills:
 
 Excellent verbal and written communication skills, with the ability to present technical proposals and complex financial products in a clear, client-friendly manner.
 </li>
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 Educational Background:
 
 Bachelor&rsquo;s/Master's degree in Business Administration, Finance, Accounting, or related fields.
 </li>
 </ul>
 
 
 
 
 
 Preferred Qualifications:
 
 
 <ul>
 <li>
 Experience in SME lending platforms or fintech solutions.
 </li>
 <li>
 Familiarity with the UAE market and regulatory landscape for corporate and SME financing.
 </li>
 </ul>
</div>

Relationship Manager - SME

Relationship Manager SME (Dubai)Location: Dubai, UAEAbout Us:Yubi is a disruptor in the global corporate debt market, offering a range of innovative digital finance solutions. With a mission to redefine the debt ecosystem, Yubi is rapidly expanding from India to the global stage with a diverse and holistic product suite. Backed by marquee investors such as Insight Partners, B Capital Group, Peak XV partners, and others, Yubi is revolutionising the way businesses access capital.We pride ourselves on a collaborative, transparent, and empowering culture where people are at the core of our growth. If you re looking to make an impact in a dynamic, fast-paced environment, we d love to have you join our epic growth story.Role Overview:The Relationship Manager SME will play a key role in scaling up Yubi Loans, focusing on acquiring and onboarding SME borrowers in the UAE. You will be responsible for developing and executing business development strategies, building strong relationships with SME clients across multiple sectors, and ensuring they successfully adopt the Yubi Loans platform for their financing needs.This is an exciting opportunity for a seasoned relationship manager with a background in SME and corporate banking, especially in business loans, working capital solutions, and other forms of financing, to contribute to Yubi s mission of transforming the debt market.Key Responsibilities:Client Acquisition: Identify and acquire SME and corporate borrowers across various financing products, including Business Loans, POS Merchant Loans, Loan Against Property, Equipment Loans, Working Capital, and Trade Finance. Pitch Yubi s value proposition and successfully onboard clients onto the Yubi Loans platform.Business Development: Conduct proactive business development activities, including outreach, prospecting, and lead generation, to build a robust pipeline of SME and corporate clients.Client Engagement: Develop and manage relationships with key decision-makers (CXOs, CFOs, Treasury teams) of target clients. Foster ongoing engagement throughout the sales process to ensure successful onboarding.Needs Assessment &amp; Pitching: Understand clients' debt requirements and tailor Yubi s products and solutions to address their specific financing needs.Transaction Handover: Ensure smooth handover of onboarded clients to the internal transaction execution team for deal closure and post-onboarding support.Account Management: Monitor the progress of onboarded clients and ensure they remain active on the platform by tracking transaction statuses and fulfilling financing requirements.Feedback Loop: Collect feedback from clients to enhance the onboarding process continuously and share insights with the product and technology teams to improve the customer experience.Required Skills &amp; Experience:Experience: Minimum of 5 years and up to 15 years of experience in SME and corporate client acquisition, with a strong understanding of enterprise financing products.Financial Products Expertise: In-depth knowledge of SME and commercial banking asset products, including Unsecured Business Loans, Merchant POS Loans, Asset-Backed Loans, Loan Against Property, CAPEX Loans, Working Capital, and Trade Finance.Sales &amp; Lead Generation: Proven track record of generating leads and achieving B2B sales targets. Experience in cold calling, prospect meetings, and creative strategies for lead generation.Relationship Management: Ability to build and maintain relationships with high-level decision-makers (CXO/CFO/Executive Teams) and manage multiple relationships simultaneously.CRM Proficiency: Familiarity with CRM tools (e.g., Hubspot) for data tracking, lead management, and reporting.Multilingual Fluency: Additional language skills are a plus, enabling communication across diverse SME sectors.Self-Starter &amp; Entrepreneurial: A results-driven professional who is proactive, adaptable, and capable of scaling a business rapidly.Target-Driven: Strong track record of meeting sales goals and driving the sales process from lead generation to closing deals.Communication Skills: Excellent verbal and written communication skills, with the ability to present technical proposals and complex financial products in a clear, client-friendly manner.Educational Background: Bachelor s/Master's degree in Business Administration, Finance, Accounting, or related fields.Preferred Qualifications:Experience in SME lending platforms or fintech solutions.Familiarity with the UAE market and regulatory landscape for corporate and SME financing.

First Abu Dhabi Bank

Key Responsibilities <ul> <li>Acquire new-to-bank (NTB) high-value SME clients and strengthen existing relationships to grow the bank s liabilities and revenue.</li> <li>Develop a deep understanding of client business models, requirements, and industry trends to provide customized financial solutions.</li> <li>Maintain regular engagement with clients to ensure satisfaction and proactive management of their banking needs.</li> <li>Cross-sell and up-sell FAB s full suite of products, including cash management, treasury, trade finance, and lending solutions.</li> <li>Negotiate and structure tailored financial offerings in collaboration with internal product partners.</li> <li>Ensure timely response and turnaround for client requests, account openings, and service needs.</li> <li>Represent FAB with professionalism to strengthen its brand among SME clients in the UAE.</li> </ul> Business Development <ul> <li>Identify new business opportunities within the SME segment through market analysis and networking.</li> <li>Develop strategic account plans and follow up on sales leads to achieve growth targets.</li> <li>Collaborate with product specialists and GTB partners to present comprehensive banking solutions.</li> <li>Increase FAB s market share in the SME space by targeting key growth industries and sectors.</li> <li>Actively monitor competitors offerings and propose improvements to maintain FAB s competitive edge.</li> </ul> Risk and Compliance Management <ul> <li>Conduct due diligence, financial analysis, and credit assessments for all clients in line with bank policy.</li> <li>Prepare and submit Credit Applications (CA) and renewal proposals accurately and within deadlines.</li> <li>Identify early warning signs of potential credit risk and take timely action to mitigate exposure.</li> <li>Ensure compliance with all regulatory guidelines, internal policies, and business banking standards.</li> <li>Cooperate with internal audit, risk management, and compliance teams to address identified gaps.</li> <li>Maintain up-to-date KYC information and ensure adherence to anti-money laundering (AML) protocols.</li> </ul> Portfolio and Performance Management <ul> <li>Maintain an assigned portfolio of SME clients with a focus on profitability, risk control, and long-term growth.</li> <li>Regularly review client performance, account activity, and financial positions to optimize portfolio health.</li> <li>Track and report business performance against agreed key performance indicators (KPIs).</li> <li>Drive operational efficiency and deliver on service-level agreements (SLAs).</li> </ul> Learning and Development <ul> <li>Develop a personal growth plan and actively participate in FAB s professional training programs.</li> <li>Share best practices and insights with peers and contribute to the overall improvement of SME banking operations.</li> <li>Keep abreast of market developments, regulatory changes, and emerging SME banking trends.</li> </ul> Skills Set <ul> <li>SME relationship management</li> <li>Credit analysis and financial evaluation</li> <li>Business development and cross-selling</li> <li>Risk management and compliance</li> <li>Portfolio growth and revenue optimization</li> <li>Customer service and retention strategies</li> <li>Communication and presentation skills</li> </ul>

Relationship Manager SME Banking

Emirates Islamic

Acquire New-To-Bank clients with focus on high value deposit customers to bring budgeted NNM to the bank and also maintain profitable SME liability/deposits relationships which will help to meet the individual and Unit targets.
<ul>
 <li>Seek out opportunities to actively market NTB SME relationships in line with bank s policy and procedures / sharia laws.</li>
 <li>Regularly review the market trends to identify profitable opportunities in selected segments in line with Bank s overall policy and risk appetite.</li>
 <li>Manage in absence of the Unit Head, a team of RM/RO/CSRs and provide leadership to Business Banking RMs and ROs to acquire and grow relationships selectively and satisfy transactional needs of Business Banking customers.</li>
 <li>Undertake regular reviews of the assigned SME customer portfolio and update KYC to ensure compliance with regulatory requirements</li>
 <li>Take personal responsibility for the establishment and maintenance of key relationships to leverage business achievement.</li>
 <li>Identify and analyze the areas of potential risk under the portfolio and find appropriate solutions.</li>
 <li>Keep aware of market trends, competitors offerings, and latest products development.</li>
 <li>Implement agreed relationship management approaches in order to project the Bank s image in the market and achieve targeted volumes/revenues</li>
 <li>Build critical customer relationships and implement customer service policies and standards consistently in order to sustain and enhance customer satisfaction and retention.</li>
 <li>Track customer satisfaction and solicit feedback to identify improvement opportunities. Adhere to customer service standards set by management.</li>
 <li>Visit key customers on regular basis to strengthen business relationships, ascertain customer needs and extend proper service.</li>
 <li>Receive customers and address their requests and complaints in a timely manner. Whenever needed, contact customer service groups and processing units to ensure satisfactory service standards are met.</li>
 <li>Participate in setting service levels and standards. Take personal responsibility to provide assistance in customers complex issues.</li>
 <li>Ensure effective utilization of accounts opened in order to maximize liabilities targets identified (Casa, Fixed Deposits). Identify loss making customers and devise ways to improve their profitability (cross-selling, up-selling or encourage to leave - Exit). Continuously seek to increase revenue margins to be generated from customers.</li>
 <li>Ensure permanent profitable customer transactions vis- -vis the associated risks. Recognize early warning signals of unsatisfactory account conduct.</li>
 <li>Visiting customers, conducting credit reviews and proposing appropriate recommendations.</li>
 <li>Regular review of available documentations to ensure perfection of the same at all times.</li>
 <li>Regular review and monitoring of accounts performance to identify areas of potential growth and/or risk.</li>
 <li>Protect sensitive customer and bank information are appropriately handled and be vigilant in driving staff behaviour, holding them accountable for any violation of policy.</li>
 <li>Adhere and comply with EIs internal applicable policies and procedures as well as governing regulations issued by concerned authorities.</li>
 <li>Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines. Monitor money laundering activities, and coordinate remedial actions with management.</li>
 <li>Report of any discrepancies to management.</li>
 <li> Cntinuously strive for self development and improvement by identifying training needs and communicating same to line manager for action.</li>
 <li>Provide process improvement, product improvement related and sales campaign suggestions to the UH/HOD</li>
</ul>

Relationship Manager - Business Banking

DICETEK LLC

<div><ul><li>Position : VP &ndash; SME</li><li>Type: : Permanent
</li><li>Location : Dubai SZR &amp; SHJ</li><li>Nationality :UAE Nationals with Family book 
</li></ul> 
Job Summary
To develop, manage and grow both the Assets &amp; Liabilities portfolios of the SME by maintaining strong client relationships, identifying new business opportunities, and ensuring quality and compliance of the customer base.
The role focuses on enhancing profitability while managing risks, including minimizing Non-Performing Loans (NPLs). 
 
Key Responsibilities
1. Business Development (Assets &amp; Liabilities Growth)
<ul><li>Develop and implement strategies to enhance both assets and liabilities books, including deposits, loans, and investment products.
</li><li>Identify and pursue new business opportunities through existing and potential clients.
</li><li>Conduct market analysis to identify profitable sectors and client segments for business growth.
</li><li>Work closely with the product and credit teams to structure suitable financial solutions for clients.
</li></ul>2. Portfolio Management
<ul><li>Manage and improve the existing portfolio by ensuring customer satisfaction, timely renewals, and cross-selling of bank products.
</li><li>Continuously monitor account performance and identify early warning signals to mitigate potential risks.
</li><li>Maintain healthy portfolio yield and ensure adherence to the bank&rsquo;s risk and return parameters.
</li></ul>3. Non-Performing Loans (NPL) Management
<ul><li>Monitor and manage NPL accounts with the objective of minimizing delinquency rates.
</li><li>Implement effective recovery strategies and negotiate repayment plans with clients where necessary.
</li><li>Liaise with the credit and legal departments to ensure proper documentation and timely resolution of problem accounts.
</li><li>Ensure proactive follow-up on overdue payments and take preventive measures to avoid slippage.
</li></ul>4. Compliance and Documentation
<ul><li>Ensure all customer records are accurate, updated, and compliant with regulatory requirements.
</li><li>Maintain complete documentation including Customer Legal Documents, Enhanced Due Diligence (EDD), Know Your Customer (KYC), and Financial Statements.
</li><li>Ensure proper credit limit management and monitoring of collateral and facility utilization.
</li><li>Work in accordance with internal policies, compliance standards, and regulatory guidelines.
</li></ul>5. Customer Relationship Management
<ul><li>Develop long-term, trust-based relationships with clients to foster loyalty and repeat business.
</li><li>Act as the primary point of contact for clients, addressing their financial needs and resolving issues promptly.
</li><li>Conduct regular client visits and meetings to understand their evolving requirements.
</li></ul>Key Performance Indicators (KPIs)
<ul><li>Growth in assets and liabilities book
</li><li>Portfolio quality and NPL ratio reduction
</li><li>Client retention and satisfaction rate
</li><li>Compliance audit ratings
</li><li>Cross-selling ratio and fee income contribution 
</li></ul> 
Preferred Qualifications, Skills &amp; Experience
<ul><li>Bachelor&rsquo;s degree in business, Finance, Economics, or related field (MBA preferred).
</li><li>Minimum 3&ndash;7 years of experience in Relationship Management within the banking sector.
</li><li>Strong understanding of credit analysis, financial products, and risk management.
</li><li>Proven track record in portfolio growth and NPL management.</li></ul></div>

VP- SME (Small and Medium Enterprises) - UAE nationals only

UBL - United Bank Limited

<div>
 
 
 Summary:
 
 This position is responsible to primarily mobilize CASA deposit and to manage liability portfolio to boost business of the branch &amp; achieve expected/given targets and level of growth in all key result areas and ensure constant improvement in liability portfolio.
 
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Demonstrate strong ability to lead the team to self-source, develop new business by actively prospecting for new clients and referrals, and leveraging our existing network to generate New to Bank leads.
 </li>
 <li>
 Lead, develop and manage a team of Relationship managers managing SME&rsquo;s &amp; High Net Worth premier clients to ensure achievement of the business objectives.
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 Create and maintain an environment the team maximizes performances in achieving overall objectives.
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 Perform continuous team's portfolio analysis to identify potential client leads and opportunities.
 </li>
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 Detailed, meticulous and precise in identifying opportunities and gaps and ability to craft out quick business strategies to achieve business goals.
 </li>
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 Monitor and act on sales activity management information and other internal information tools, using them to coach team and achieve the business goals.
 </li>
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 Ability to constantly inspect what we expect on team's deliverables on regular basis.
 </li>
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 Fulfilling clients necessitates while providing an exceptional client experience is the expected behavior from all our employees and it will be measured by specific metric.
 </li>
 <li>
 Use the principles and guidelines in the operating model to ensure customer needs are identified and where appropriate use the support provided by specialists.
 </li>
 <li>
 Drive a high-performance culture through robust objective setting, performance reviews and action to address poor performance.
 </li>
 <li>
 Comply with local regulatory requirements.
 </li>
 </ul>
 
 
 
 
 
 Required Knowledge &amp; Skill set
 
 
 <ul>
 <li>
 Bachelor's degree or equivalent experience
 </li>
 <li>
 Minimum of 6-8 years proven and progressive financial services and/or retail sales experience or equivalent
 </li>
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 Evidence of strong sales results in corporate &amp; branch banking retail
 </li>
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 Relationship management experience with high-net-worth clients
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 Strong communication, client focus and influencing skills
 </li>
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 Strong sales orientation, networking and portfolio management skills
 </li>
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 Sound knowledge of financial services products and services and the client relationship management system
 </li>
 <li>
 Understanding of business banking client segment and products and services
 </li>
 <li>
 Clear view on how to work with Branch Banking, Compliance, Credit &amp; Risk and Internal Control to ensure a balanced risk operating environment
 </li>
 <li>
 Able to communicate well in Arabic &amp; English
 </li>
 </ul>
</div>

Senior Relationship Manager - Liability

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Senior Relationship Manager - Liability