Relationship Manager - SME Acquisition

Job 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.

We’re looking for driven Relationship Manager - SME Acquisition. The role is responsible for acquiring new SME clients and delivering tailored banking solutions across Working Capital, Unsecured Loans, Merchant POS Loans, Asset-Backed Lending, and Trade Finance products. This is a front-line, individual contributor position ideal for candidates with a strong sales orientation, deep knowledge of SME lending, and a passion for building long-term client relationships from the ground up.

What You Will Be Doing

• Identify and prospect new SME clients through direct sales, referrals, partnerships, and targeted market outreach.
• Acquire new SME banking relationships aligned with business growth objectives.
• Assess client needs and recommend suitable banking solutions including Working Capital Loans, Unsecured Loans, POS Lending, Supply Chain Finance,
• Asset‑Backed Loans, and Commercial Loans.
• Conduct thorough due diligence to ensure all business booked adheres to internal policies and regulatory guidelines.
• Achieve monthly and annual sales, acquisition, and fee income targets.
• Maintain a strong, active sales pipeline using CRM tools and structured lead‑tracking processes.
• Ensure smooth client onboarding by coordinating with Credit, Operations, and Documentation teams.
• Carry out KYC and due‑diligence checks in line with bank compliance and regulatory standards.
• Monitor market trends, competitive offerings, and SME sector developments to identify new business opportunities.
• Promote and articulate the bank’s value proposition effectively to potential SME clients.
• Build and maintain long-term business relationships to drive customer loyalty and portfolio growth.
• Collaborate with Credit, Product, Operations, and Compliance teams to structure client‑centric and risk‑aligned solutions.
• Support internal stakeholders during deal structuring, credit assessments, and approval processes.
• Ensure high service quality and timely resolution of client queries throughout the onboarding journey.
• Uphold strong governance, risk management, and ethical sales practices in all client interactions.
  
  

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

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

• Pay for performance culture (Competitive and performance-linked compensation)
• Diverse workforce and inclusive culture
• Career development and growth opportunities by design
• Work with the best minds in the field
• Get opportunities to bring your whole self to the organization and perform to your best.