Relationship Manager - MG.RBU- Dubai Internet City - MG.41.Retail Banking Group

Job Purpose - To provide Portfolio of HNW clients with personalized service so as to develop close relationships, achieve maximum profitable contribution for the client and the bank and retain their royalty and respect. - Enhance Mashreq Gold Balance sheet sales/ revenues and promote cross selling of bank products to all existing clients. - Source new business from HNW Mashreq Gold individuals through referrals, marketing activities and personal contacts. - Ensure clients are aware of all financial services offered by the bank - Reach financial goals set for the role by the business as per annual and monthly financial targets, including x-sell and up-sell of products to customers, to existing and new to bank customers. Dimensions Operating Budget Number of Staff Capital Exp. Budget Other Key Result Areas- Optimize the potential value of the client base through the delivery of MG Products and Services - Communicate with HNW client and identify their financial needs - Achieve Revenue Goals, sales and portfolio growth targets across a range of products and services - Maximize profitability from the Gold base whilst countering competition from other providers offering alternative investments / WM opportunities - Acquire New to Bank HNW clients. - Maintain a superior customer service experience for clients including pre empting issues and proactive servicing. - Safeguard the bank from potential loss / AML fraud / and ensure ethical behavior at all times during and after sales. - Enhance market profile and awareness - Minimize customer attrition - Maintain proactive client contact. Operating Environment, Framework and Boundaries, Working Relationships- Interact with product managers / line managers to constantly provide feedback on competition and client response to product / services - Co-ordinate activities with other departments in order to maximize conversions from referral process - Ensure client expectations are constantly met Problem Solving - Ability to understand customer’s financial needs on a one on one basis - Intricate understanding of products pertaining to HNW customers – both internal and external (competitors) - Advanced Market knowledge of various investment vehicles / markets / economics - Accurate projection of sales numbers - Proactive action on customer feedback and needs - Timely escalation of service issues Decision Making Authority & Responsibility - Pricing discretion for effective relationship Management - Strong responsibility for Ethical selling to customers with complete disclosure about products and services Knowledge, Skills and Experience - Skills / Experience : - University Graduate - Strong selling & financial markets knowledge - Strong interpersonal skills and cultural sensitivity - Relationship Management Networking skills - Extrovert/Amiable personality - Minimum of 5-6 years experience in a similar job with another bank / financial services in the UAE - Excellent communication and negotiation skills - CISI certified – level 1