Company Description

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.

Join us in co-creating the future of RAKBANK!

Job Description

As a Senior Relationship Manager you will play a pivotal role in expanding and managing a portfolio of SME clients by delivering customized trade finance and working capital solutions. Reporting to AVP & Manager- SME Coverage you will focus on fostering deep, trust-based client relationships, gaining insight into their financial goals, and providing structured trade finance offerings—including letters of credit, bank guarantees, supply chain finance, and commercial loans—to enhance liquidity and streamline operations. Success in this role is driven by proactive relationship management, effective cross-selling, prudent credit risk management, and a commitment to delivering exceptional service.

What You'll be Doing:

As a key member of our SME Banking team, you’ll play a pivotal role in driving client success and business growth. Your core responsibilities will include:

Build and sustain strong relationships with SME clients by deeply understanding their trade cycles and working capital needs
Analyze clients’ cash flows to craft and deliver working capital optimization strategies
Manage and grow your portfolio of SME clients to meet and exceed annual business targets
Provide tailored banking solutions through in-depth analysis of clients' business models and financial requirements
Identify and leverage opportunities to cross-sell relevant SME banking products including POS Lending, Asset-Backed Lending, Supply Chain Finance, and Cash Management
Drive revenue generation while maintaining robust credit quality
Prepare comprehensive credit proposals with detailed financial and risk assessments
Monitor client portfolio health, flag early risk indicators, and implement timely risk mitigation tactics
Ensure seamless and compliant renewal and restructuring of credit facilities
Collaborate with internal teams across Credit, Operations, and Compliance to ensure smooth service execution
Proactively resolve client queries to uphold exceptional service quality and strong retention rates
Stay informed on evolving market trends, regulatory changes, and industry developments
Use insights to deliver proactive client advisory and uncover new business opportunities

Skills

Strong understanding of SME banking in the UAE and lending products
Expertise in credit analysis, financial statements, and lending structures
Ability to interpret financial documents (P&L, balance sheets)
Knowledge of UAE regulatory environment and corporate governance standards
Familiarity with digital banking platforms and financial technology solutions
Excellent communication, negotiation, and presentation skills
Strong interpersonal abilities and relationship-building mindset
Strategic thinking with solid commercial acumen
Sales-driven attitude with proven closing capabilities
High ethical standards and integrity

Qualifications

What We're Looking For:

Education: Bachelor’s degree in finance, Economics, Business Administration, or a related field (MBA or CFA preferred)
Experience: 7–10 years of experience in SME Banking, including business development and relationship management. Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region

Additional Information

What’s In It For You:

Competitive, performance-linked compensation
Medical coverage for you and your family
Comprehensive life insurance
Inclusive and diverse workplace culture
Career development and fast-track growth opportunities
Mentorship from industry experts

Senior Relationship Manager – SME Coverage

RAKBANK