Job Description

The role is responsible for developing and maintaining strong client relationships across a portfolio of high-value customers, including corporates, or SMEs. The role focuses on delivering banking solutions, driving revenue growth, ensuring customer satisfaction, and minimizing risk. This individual will also lead a team of Relationship Managers (as applicable), ensuring targets are met and compliance standards are upheld.

Responsibilities

Client Relationship Management:

• Build, manage, and deepen relationships with key clients.
• Understand clients' financial needs and offer appropriate banking solutions.
• Serve as a trusted advisor to clients, providing expert financial advice and insights.
  
  

Business Development

• Identify new business opportunities within existing accounts.
• Acquire new high-value clients to grow the portfolio.
• Cross-sell a range of products including loans, trade finance, treasury, and investment solutions.
  
  

Portfolio & Risk Management

• Monitor client portfolios for risk indicators and ensure timely action.
• Ensure compliance with internal policies and external regulatory requirements.
• Oversee credit appraisal, renewals, and documentation in coordination with credit teams.
  
  

Team Leadership

• Manage and mentor a team of Relationship Managers/Executives.
• Drive performance through coaching, goal setting, and regular reviews.
  
  

Collaboration

• Coordinate with product, credit, operations, and risk teams to ensure seamless service delivery.
• Represent the bank at client meetings, industry events, and networking forums.
• Perform any other duties assigned to by line manager related to the nature of the work
• Enforce, incorporate, and comply with all necessary controls and related information security (EIS) policies, procedures, practices, training, reporting, personal due diligence and vigilance, within departmental/unit activities and operations
  
  

Qualifications

Preferred Qualifications

• Bachelor’s degree in Finance, Business Administration, Economics, or a related field
  
  

Years & Nature of Experience

• Recommended 5 to 7 years of equivalent experience where required competencies and experience has been demonstrated in relationship management within the banking industry, or a related field.
• Strong relationship-building and interpersonal skills
• In-depth knowledge of banking products and services
• Excellent communication and negotiation skills
• Analytical mindset with credit assessment experience
• Team leadership and people management
• Ability to handle high-pressure situations and decision-making
  
  

Technical Competencies

• Product Development
• Business Negotiation
• Customer Experience Management
• Partnership Management
  
  

Behavioral Competencies

• Decision Making
• Communication
• Time management
• Problem solving
  
  

About Us

D360 Bank is a shariah-compliant digital bank that aims to provide the best financial experience in the Kingdom. Our Vision: To reinvent finance through innovation & technology making it convenient, accessible & fair to all.

About The Team

Embarking on a thrilling journey with the D360 Bank Products team thrusts you into the forefront of innovation, empowering you to shape the future of revolutionary digital banking. We explore the immense potential of technology to revolutionize traditional banking services. As a member of our esteemed team, you will be entrusted with the responsibility of overseeing the entire lifecycle of our products. This encompasses ideation, design, delivery, and maintenance, all while defining a compelling product vision. You will spearhead revenue generation across various product segments and be a driving force behind enhancing the customer experience.