# Area Manager - Business Banking — Mashreq

Canonical: https://jobxdubai.com/jobs/orc-6571-area-manager-business-banking
Location: Dubai, UAE
Type: full_time · Level: senior
Monthly salary: AED 40,000 to 70,000 per month (estimated, not employer-stated) (UAE salaries are tax-free)
Posted: 2026-08-31
Apply: https://hcld.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1/job/6571

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## 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-chan

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