sme relationship manager

Arab Bank

<div>
 <p>
  <strong>
   Job Description
  </strong>
 </p>
 <ul>
  <li>
   Achieving set objectives by proactively managing relationship with existing and developing/building relationships with new SME Clients .
  </li>
  <li>
   Ensure the implementation of marketing strategy within the SME section
  </li>
  <li>
   Identify existing and potential key SME Clients and define their needs
  </li>
  <li>
   Manage SME Clients relationships in a way to achieve set targets.
  </li>
  <li>
   Maximize the up-selling and cross-selling of other SBU&rsquo; s products and services
  </li>
  <li>
   Identify new products and services to meet Clients requirements and needs
  </li>
 </ul>
 <p>
  <strong>
   Job Requirements
  </strong>
 </p>
 <ul>
  <li>
   Minimum 4 years of experience in SMEs Dept.
  </li>
  <li>
   Credit Course is a must.
  </li>
  <li>
   Thorough understanding of the full range of banking products and services
  </li>
  <li>
   Proven ability to develop relationships with SME companies.
  </li>
  <li>
   Proven analytical and modeling skills and thorough understanding of financial statement.
  </li>
  <li>
   Excellent understanding of lending practices.
  </li>
  <li>
   Excellent interpersonal, negotiation, communication skills
  </li>
 </ul>
 <p>
 </p>
</div>


SME Relationship Manager

YES BANK

<div>
 <strong>
  Job Title: Relationship Manager
  <br/>
  <br/>
 </strong>
 Department: Medium Enterprises (ME)
 <br/>
 <br/>
 Experience: 3&ndash;4 Years
 <br/>
 <br/>
 Grade: Manager to AVP
 <br/>
 <br/>
 <strong>
  Role Summary
  <br/>
  <br/>
 </strong>
 We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products.
 <br/>
 <br/>
 <strong>
  Key Responsibilities
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between ₹100 Cr to ₹500 Cr. Identify opportunities through market intelligence, references, and industry networking.
  </li>
  <li>
   Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.
  </li>
  <li>
   Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank&rsquo;s credit policies.
  </li>
  <li>
   Sanction Process &amp; Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings.
  </li>
  <li>
   Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.
  </li>
  <li>
   Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Desired Candidate Profile
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Graduate/Postgraduate in Finance, Commerce, or a related field.
  </li>
  <li>
   3&ndash;4 years of experience in corporate/SME/ME banking.
  </li>
  <li>
   Strong understanding of credit analysis and financial statements.
  </li>
  <li>
   Excellent relationship management and communication skills.
  </li>
  <li>
   Proven ability to drive business and manage risk effectively.
  </li>
 </ul>
</div>


Relationship Manager

Emirates Islamic

<div><ul><li>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.
</li><li>Seek out opportunities to actively market &ldquo;NTB&rdquo; SME relationships in line with bank&rsquo;s policy and procedures / sharia laws.
</li><li>Regularly review the market trends to identify profitable opportunities in selected segments in line with Bank&rsquo;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&rsquo; offerings, and latest products development.
</li><li>Implement agreed relationship management approaches in order to project the Bank&rsquo;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&rsquo; 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-&agrave;-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></div>

Relationship Manager - Business Banking

<p>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.</p>
<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>

DICETEK LLC

<div><ul><li>Position : <b>VP &ndash; SME</b></li><li>Type: : Permanent
</li><li>Location : Dubai SZR &amp; SHJ</li><li>Nationality :<b>UAE Nationals with Family book<br>
</b></li></ul><p></p><br>
<p><b>Job Summary
</b></p><p>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.
</p><p>The role focuses on enhancing profitability while managing risks, including minimizing Non-Performing Loans (NPLs).<br>
</p><p></p><br>
<p><b>Key Responsibilities
</b></p><p><b>1. Business Development (Assets &amp; Liabilities Growth)
</b></p><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><p><b>2. Portfolio Management
</b></p><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><p><b>3. Non-Performing Loans (NPL) Management
</b></p><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><p><b>4. Compliance and Documentation
</b></p><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><p><b>5. Customer Relationship Management
</b></p><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><p><b>Key Performance Indicators (KPIs)
</b></p><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<br>
</li></ul><p></p><br>
<p><b>Preferred Qualifications, Skills &amp; Experience
</b></p><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><p></p>

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

UBL - United Bank Limited

<div>
 <p>
  <strong>
   Summary:
  </strong>
  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.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <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.
  </li>
  <li>
   Create and maintain an environment the team maximizes performances in achieving overall objectives.
  </li>
  <li>
   Perform continuous team's portfolio analysis to identify potential client leads and opportunities.
  </li>
  <li>
   Detailed, meticulous and precise in identifying opportunities and gaps and ability to craft out quick business strategies to achieve business goals.
  </li>
  <li>
   Monitor and act on sales activity management information and other internal information tools, using them to coach team and achieve the business goals.
  </li>
  <li>
   Ability to constantly inspect what we expect on team's deliverables on regular basis.
  </li>
  <li>
   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>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Required Knowledge &amp; Skill set
  </strong>
 </p>
 <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>
  <li>
   Evidence of strong sales results in corporate &amp; branch banking retail
  </li>
  <li>
   Relationship management experience with high-net-worth clients
  </li>
  <li>
   Strong communication, client focus and influencing skills
  </li>
  <li>
   Strong sales orientation, networking and portfolio management skills
  </li>
  <li>
   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

L&T Technology Services Ltd.

<div><div><div>Buyer Relationship Manager</div><p>LNT/BRM/1507583</p><ul>
SU-L&amp;T SufinMadurai</ul></div><div><div><div><ul><div><div><div>
Posted On</div><div>
14 Oct 2025</div></div></div><div><div><div>
End Date</div><div>
12 Apr 2026</div></div></div><div><div><div>
Required Experience</div><div>
5 - 12 Years</div></div></div></ul></div></div></div></div>
<br><div><div><div>Skills</div></div><div><div><p>
Knowledge &amp; Posting Location</p><div><p>
BUSINESS ACQUISITIONS
</p></div></div><div><p>Minimum Qualification</p><div><p>
B.TECH/B.E</p></div></div></div></div>
<br><div><div><div>Job Description</div></div><div><p>
Position: Relationship Manager - Buyer L&amp;T is a major technology, engineering, construction, manufacturing and financial services conglomerate, with global operations. The Company addresses critical needs in key sectors Hydrocarbon, Infrastructure, Power, Process Industries and Defense - for customers in over 30 countries around the world. We combine a proven track record and professional skills, woven together with a culture of trust &amp; caring. Consistently rated among the best employers in the country, L&amp;T offers unmatched leadership opportunities &amp; growth. Our approach is built on empowering employees to take on challenging assignments and explore their potential. L&amp;T SuFin is a B2B Ecommerce Platform which will leverage L&amp;T&rsquo;s deep knowledge and capabilities in Procurement (through its huge volume of annual procurement) and Logistics, Financing, and IT solutions. This platform is essentially a digital marketplace for SME buyers and sellers (mainly focused on construction and industrial products &amp; services) to connect in an efficient manner, thereby enabling sellers to expand their sales reach, and for buyers to find required products and services at optimal cost and quality. Desired Profile &bull; Position Type: Permanent &bull; Qualification: MBA Marketing (Preferred) / Any Graduate &bull; Work Location: As per the location aligned for the job role &bull; Experience: 5-12 years &bull; Preferred Candidates from BFSI (Sales &ndash; SME and Business Banking, Trade Finance), Moglix | Power2SME | Industry Buying &bull; Role: Individual Contributor &bull; Bringing Buyers to the platform and inducing transactions on the platform. &bull; Attaining the numbers and revenue targets &bull; Identifying the opportunities and offering platform centric solutions &bull; Recommending banks/ NBFC&rsquo;s depending on customer profile and coordinating for loans/ finance &bull; Deepening the relationship through cross sell and up sell. &bull; Should have demonstrated abilities to nurture relationships and generate revenue. &bull; Communicate persuasively in English &amp; Hindi / Local language &bull; Stable Career record</p></div></div>

Buyer Relationship Manager

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