Description
JOB DESCRIPTION1 Job TitleArea Manager – Liability, Business BankingDepartmentBusiness BankingDirect SupervisorHead of Liabilities Coverage2 Job PurposeThe 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 leadershipThe 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 DimensionsOperating BudgetLiabilities Book : AED 6.5 billion to 7.5 billionAnnual Revenue: AED 300 million to 350 millionGeographic Coverage : Multi‑EmirateNumber of Staff20 to 22Capital Exp. BudgetOthers4 Key Result Areas Key AccountabilitiesA. 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 leadership6 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.