Job Description

Job Purpose

Lead and manage Secured Business Loan and Lease Rental Discounting Team constituting a team of Asst. Managers and ARMs. Actively work with Unit Manager/Unit Head and support the RMs in meeting their pre-set financial and non-financial objectives.

Key Result Areas

  • Acquire and build quality asset portfolio of relationship clients through Self sourcing Channels and Channel Partners and other Front-end revenue products within the defined target market of Business Banking
  • Strong Sales force Management experience , Managing a team of 10 -12 Senior BDO for sales target delivery
  • Ensuring the productivity of the assigned sales team
  • Drive the team on enhancing relationship revenue from new and existing portfolio of borrowing and non-borrowing accounts by cross-selling and up-selling products.
  • Manage existing Assets relationships.
  • Responsible for the assigned assets, revenue and Fee targets.
  • Ensuring that the Risk reward equation is maintained by charging optimum pricing as per the segment.
  • Responsible for quality and soundness of existing portfolio (Monitoring all assets products maturities, KYC reviews, monitoring for due diligence, anti-money laundering procedures etc.)
  • Identify and segments target market and develop new business to broad base the portfolio and pursue growth opportunities.
  • Actively provide deal support to the Sales BDO
  • Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.
  • Liaise with superiors and direct reports within the business unit, Risk Management and related enabler units within the bank to achieve business objectives.
  • Adhere to all compliance & regulatory policies with regards to KYC/AML etc as set out by the bank from time to time.
  • Review the existing portfolio in a timely manner and ensure that appropriate credit facilities are recommended in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.
  • Maintain acceptable portfolio quality.
  • Follow-up and ensure the team implements and maintains completes control aspects i.e. documentation, periodical clients visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.
  • Undertaking industry and company specific research analysis. Directly interacting with industry participants.
  • Work with UH, SBDOs, Product team, Branch Service officers, Direct Banking center, Credit, Credit operations, Risk Team etc
  • Resolve complex customer complaints and analyze root cause.
  • Liaise with superiors and direct reports within the business unit, Risk Management and related enabler units within the bank to achieve business objectives.
  • Recommending all new and existing credit lines.
  • Develop on the job learning curve of Sales Team to enable them to grow professionally and prepare them for higher level of responsibility.
  • Managing and maintaining high staff morale to ensure superior service delivery and low staff turn-over.
  • Set job objectives and perform timely review to measure performance and identify staff development and training needs.
  • To ensure clarity among staff of KPI’s and job competencies required to effectively achieve business goals.
    • Identify and reward high performers and implement an effective retention program for critical staff.
    • Complete knowledge and clear understanding of the Bank’s credit policy, operating systems and focus on the Business Banking Segment.
    • Banking Sales & service experience with proven Team Leader qualities
    • Requires advanced vocational know-how of the subject matter (viz. Credit, Trade, Operating System, Legal, etc…)
    • Excellent communication, negotiation and analytical skills.
    • Minimum 12-14 years relevant banking experience in local or international market.
    • MBA/CA or if a regular graduate needs to possess adequate relevant experience.


    Job Details

    Role Level: Mid-Level Work Type: Full-Time
    Country: United Arab Emirates City: Dubai
    Company Website: https://www.mashreqbank.com/uae/en/corporate/home Job Function: Others
    Company Industry/
    Sector:
    Banking

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