Area Manager Business Banking Emirates NBD

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

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