Job Description
Emirates NBD is looking to hire suitably skilled and devoted candidate for role of Area Manager Business Manager. The incumbent will be responsible for managing the overall business; running the centre as a profitable business unit with focus on portfolio growth & cross-sell, managing the centre team, ensuring compliance with UAE Central Bank, anti-money laundering regulations and internal bank policies and use discretionary powers, on a case-to-case basis, for approvals and waivers for Business Banking customers.
Responsibilities of Area Manager
- To be able to meet all the budgeted targets for revenue, profit, asset & deposit growth, customer acquisition etc
- To meet the revenue, volumes and utilization targets for assets (Funded & Non-FundedAssets)
- To meet the revenue and volume targets as prescribed by the segment to meet the liability targets by way of growing the existing portfolio.
- Drive and instill the right sales behavior in the Relationship Officers to get NTB business through quality accounts and funds.
- Maximize cross sales ratio within the portfolio
- Emphasize on Investment and Insurance sales
- Be solely responsible for maintaining the P&L of the respective centre.
- Manage the team of RMs; provide direction to RMs to proactively manage existing portfolio of BB relationships and source new business and to analyze credit proposals, maintain credit quality
- To be conversant with the full range of Business Banking products and services
- To be competent in discussing Business Banking offering to special customers
- Emphasis on the segments Branch Networking initiative.
- Close interaction with the top 15% of the customers keeping in line with the Key Account Management initiative of the segment.
- Maintain an on-going contact with customers to ensure targeted level of business for existing and incremental revenue and generate new revenue opportunities.
- Provide feedback and assistance to all areas within the bank to ensure that the voice of the customer and local requirements are incorporated into ongoing plans and initiatives.
- Overview customers service issues and closely interact with operations, technology and service quality order to ensure effective service levels.
- Ensure adherence to high levels of service quality and maintain customer complaints to lowest levels with respect to business volumes.
What You’ll Do More?
- Ensure RMs are trained towards customer interests and expectations.
- Set up service issue redressal mechanisms to address complaints.
- Groom and develop a team of Urns, RMs and ROs capable of handling portfolios and delivering results which exceed the set targets.
- Devise a career path for the high performers and mentor them towards the goals.
- Fully aware of all policies relating to operational risk, sales processes, credit policy, anti-misselling, etc
- To be responsible for ensuring up-to-date compliance, KYC and profiling for each client as well as maintaining a high level of confidentiality at all times
- Responsible for assessing customer risk, suitability of products and explaining appropriate products and services to meet client requirements
- Safeguard the reputation of Emirates NBD by employing best practices and acting in a professional manner at all times, to document all meetings and contribute to the reporting processes established in the unit
- Full awareness of all policies and procedures issued in relation to credit lending, money laundering prevention and KYC
- Comply with the above policies on an ongoing basis and report any suspicious transaction(s) immediately
- Adopt an open and effective communication style and to be a strong team leader for the benefit of the overall team/unit
- Identify new revenue opportunities and obtain customer feedback on product and development.
- Undertake a disciplined product-oriented sales management approach to coach and develop the RMs to independently manage the sales process and enhance customer profitability.
- Maintain a professional and result oriented culture of performance.
Requirements of Area Manager
The requirements of Area Manager are as under:
- Graduate – preferably business/finance/accounting
- 6- 8 yrs of Banking experience preferably in a sales or relationship management role.
- Experience in client management.
Skills and Knowledge Desired
- In depth knowledge of banking operations
- Adherence to policies and procedures.
- Understanding of money markets and regulations.
- Knowledge of compliance regulations and risk management.
- Working knowledge of Trade Finance and Treasury.
- Goal oriented, focused, sales driven
- Team player, Initiative taker
- Confident. self starter, Leadership skill
Area Manager Emirates NBD Dubai
