Job Description
JOB DESCRIPTION 1 Job Title Area Manager – Liability, Business Banking Department Business Banking Direct Supervisor Head of Liabilities Coverage 2 Job Purpose The Area Manager – Liability Business Banking is responsible for the strategic and commercial leadership of a large and complex Business Banking liability portfolio comprising approximately to 2,200 to 3,000 high value client accounts. The role has end-to-end accountability for - Business growth, Revenue and profitability - Portfolio quality - Risk and compliance - Customer experience - Operational effectiveness - People leadership The position is expected to drive sustainable growth in the liability franchise by strengthening client relationships, increasing product penetration, optimizing the asset/liability mix, improving customer engagement, and developing a high-performing Business Banking team. 3 Dimensions Operating Budget Liabilities Book : AED 6.5 billion to 7.5 billion Annual Revenue: ~AED 300 million to 350 million Geographic Coverage : Multi‑Emirate Number of Staff 20 to 22 Capital Exp. Budget Others 4 Key Result Areas Key Accountabilities A. Strategy & Business Leadership - Develop and execute the area’s annual business plan in line with the overall Business Banking strategy. - Drive achievement of revenue, profitability, portfolio growth, client acquisition, retention, and product penetration targets. - Optimize the portfolio mix to maximize sustainable revenue and relationship profitability. - Identify opportunities to deepen existing relationships and acquire new high-value Business Banking clients. - Establish the bank as the preferred primary operating bank for SMEs and self‑employed customers. - Identify process gaps and implement sustainable improvements in collaboration with relevant stakeholders. - Drive adoption of digital banking solutions and relevant technology-enabled processes. B. Portfolio Management & Client Coverage - Drive effective portfolio segmentation and differentiated client engagement strategies. - Strengthen primary banking relationships and increase share of wallet through cross-sell and product penetration - Monitor client concentration, portfolio trends, attrition, profitability, and emerging business opportunities. - Ensure effective management of key and strategically important client relationships. - Provide market and competitor intelligence to inform product development and pricing strategies. C. Risk, Compliance & Governance - Ensure full adherence to applicable regulatory requirements, AML/KYC standards, internal policies, procedures, and delegated authorities. - Maintain effective controls and ensure timely resolution of identified risk and compliance issues. - Ensure the team operates within approved risk appetite and governance frameworks. - Maintain audit readiness and ensure satisfactory closure of audit and control findings. - Escalate material risks, exceptions, and breaches through appropriate governance channels. D. People Leadership & Organization Effectiveness - Lead, coach, and develop the Team Manager, Relationship Managers, and Assistant Relationship Managers. - Establish clear performance expectations, client excellence, accountability frameworks, and business objectives. - Build a high-performance, collaborative, and customer-centric culture. - Identify capability gaps and implement targeted coaching, development, and succession plans. - Ensure effective performance management, talent development, and retention of high-performing employees. E. Customer Experience & Relationship Management - Drive a consistently superior customer experience across the Business Banking portfolio. - Establish strong relationships with key clients and senior client stakeholders. - Lead the resolution of significant customer issues, complaints, and escalations. - Ensure proactive engagement with priority clients and identify opportunities to strengthen long-term relationships. - Promote service excellence while maintaining appropriate risk and control standards. F. Stakeholder Management - Work closely with: - Product, Governance, and other support functions. - Risk, Compliance & Operations - Digital & Transformation teams - Maintain strong relationships with key clients, industry bodies, and external stakeholders. 5 Operating Environment, Framework and Boundaries, Working Relationships- Operates in a highly competitive, regulated, and performance‑driven environment. - Requires strong judgment, resilience, and availability to manage scale, complexity, and stakeholder expectations. - Success depends on strategic clarity, disciplined execution, and people leadership 6 Problem Solving - Exercise strong judgment in prioritizing opportunities, resolving escalations, and allocating resources across markets, segments, and teams. - Interpret internal and external market signals to adjust strategy, pricing, and portfolio actions in a fast-changing competitive and regulatory environment. - Address non-routine issues requiring cross-functional coordination with Product, Treasury, Risk, Compliance, Operations, and Digital teams. - Develop practical, commercially sound solutions within policy by combining analytical insight, experience, stakeholder alignment, and governance discipline. 7 Decision Making Authority & Responsibility - The role is authorized to make decisions within the approved delegation of authority, policies, and governance frameworks, including: - Business planning and execution of client and portfolio strategies. - Prioritization of business opportunities and resource allocation within the assigned area. - Performance management and deployment of team resources. - Client engagement and relationship strategies within approved authority levels. - Governance responsibility for risk escalation, suspicious activity reporting, and compliance adherence. 8 Knowledge, Skills and Experience - 15+ years of progressive experience in Business Banking / Commercial Banking with a strong understanding of products, liability solutions, client acquisition, relationship management, and portfolio economics. - Proven track record of delivering revenue and portfolio growth. - Significant experience in leading and developing relationship management teams. - Experience operating within robust risk, compliance, and governance frameworks.
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