Senior Relationship Manager - SME Coverage , Sharjah & NE

Client Relationship Management Develop and maintain strong relationships with SME clients, understanding their trade cycles and working capital requirements. Analyze clients’ cash flow cycles and recommend working capital optimization strategies Manage and expand a portfolio of SME clients to achieve annual business targets. Conduct in-depth analysis of clients' business models and financial requirements to provide tailored banking solutions. Portfolio Growth & Cross-Selling Identify opportunities to cross-sell SME banking solutions including POS Lending, Asset-Backed Lending, Supply Chain Finance, and Cash Management. Drive revenue generation while upholding strong credit quality standards. Credit & Risk Management Prepare comprehensive credit proposals with detailed financial and risk analyses. Monitor portfolio performance, identify early warning signs, and implement appropriate risk mitigation strategies. Ensure timely renewal and restructuring of credit facilities in line with internal and regulatory policies. Cross-Functional Collaboration & Service Excellence Partner with internal teams (Credit, Operations, Compliance) to deliver seamless service execution. Address and resolve client queries promptly to maintain high satisfaction and retention levels. Market Intelligence & Advisory Maintain up-to-date knowledge of market trends, regulations, and industry dynamics.

Bachelor's degree in Finance, Business Administration, or a related field. Minimum 8 years of experience in relationship management, preferably in the banking sector, with a focus on SMEs. Strong knowledge of trade finance products and working capital solutions. Excellent communication and interpersonal skills, with a client-centric approach. Ability to build trust and establish long-term relationships with clients. Analytical mindset with proficiency in financial analysis and risk assessment. Familiarity with banking regulations and compliance standards. Proven track record of successful relationship management and cross-selling initiatives. Proficiency in Microsoft Office and relevant banking software. Fluency in English and Arabic is preferred.

Client Relationship Management: Develop and maintain strong relationships with SME clients, understand their trade cycles and working capital requirements; analyze clients’ cash flow cycles and recommend working capital optimization strategies; manage and expand a portfolio of SME clients to achieve annual business targets; conduct in-depth analysis of clients' business models and financial requirements to provide tailored banking solutions. Portfolio Growth & Cross-Selling: Identify opportunities to cross-sell SME banking solutions including POS Lending, Asset-Backed Lending, Supply Chain Finance, and Cash Management; drive revenue generation while upholding strong credit quality standards. Credit & Risk Management: Prepare comprehensive credit proposals with detailed financial and risk analyses; monitor portfolio performance, identify early warning signs, and implement appropriate risk mitigation strategies; ensure timely renewal and restructuring of credit facilities in line with internal and regulatory policies. Cross-Functional Collaboration & Service Excellence: Partner with internal teams (Credit, Operations, Compliance) to deliver seamless service execution; address and resolve client queries promptly to maintain high satisfaction and retention levels. Market Intelligence & Advisory: Maintain up-to-date knowledge of market trends, regulations, and industry dynamics.