Regional Head - Business Banking - Al Ain

About the Business Area

The Retail Banking Group (RBG) specializes in supporting retail and micro-business customers with their financial needs by delivering expert guidance and a comprehensive range of both conventional and Shari’ah-compliant banking products and services. The group is dedicated to leveraging digital innovations to enhance customer service excellence.

Job Overview

This role focuses on leading relationship management and acquiring clients in the Small and Medium Enterprises (SME) segment within a specific region, aiming to meet the targeted portfolio KPIs and execute the SME short- and long-term strategies effectively.

Responsibilities

• Expand the client base and maintain existing relationships while controlling costs to meet portfolio KPIs and SME strategic objectives.
• Develop and implement a structured relationship management approach tailored for the region, guiding the team to provide outstanding client service.
• Regularly evaluate portfolio performance to manage customer risk profiles, ensuring strict compliance with policies, procedures, and guidelines to keep credit and operational risks within acceptable limits.
• Monitor market trends, competitive practices, and sales/service models locally and globally, sharing insights with senior management to refine ADCB’s sales strategy, capitalize on market opportunities, and minimize risks.
• Lead and manage the team aligning with ADCB’s people management policies, fostering employee growth and maximizing contribution to business targets.
• Set clear individual objectives, oversee performance, promote team development, and provide feedback to enhance engagement and motivation.
• Contribute to organizational and departmental change efforts by integrating best practices and standards within business projects and initiatives.

Candidate Profile

• Minimum of 9 years experience in Corporate/SME Banking, with at least 5 years in a leadership role demonstrating successful asset and liability management and a strong understanding of credit and risk.
• Bachelor’s Degree in Business Administration, Accounting, or Finance.
• Proficient in Microsoft Office Suite (Word, Excel, PowerPoint).
• Familiarity with banking applications and financial tools.
• Strong analytical, negotiation, decision-making, influencing, and problem-solving capabilities.
• In-depth knowledge of the regional and local SME market dynamics.

What We Offer

• Attractive salary range between 55,000 and 70,000 AED, complemented by eligibility for variable pay schemes.
• Extensive benefits including leading medical coverage, group life and accident insurance, paid leave and airfare allowances, preferential loan rates, staff discounts, and educational assistance for children at selected levels.
• Flexible work arrangements including remote work options subject to eligibility.
• Diverse learning and development programs, including structured instructor-led sessions to support ongoing career growth.