Job Description

Role : Relationship Manager - Commercial Cards
Location : Dubai

Role Purpose:

Relationship Manager, Commercial Cards is responsible to drive acquisition, portfolio growth, and relationship management of Commercial Card solutions (Corporate, Purchasing, Travel & Expense cards) for corporate clients, ensuring Shariah-compliant structures, superior client experience, and sustainable revenue growth in line with the bank’s Islamic principles.

Key Accountabilities of the role

• Client Acquisition & Relationship Management
• Acquire and manage corporate clients for commercial card solutions.
• Build long-term relationships with CFOs, finance teams, and procurement heads.
• Act as the primary point of contact for assigned clients, ensuring high service standards and retention.
• Product Sales & Portfolio Growth
• Promote Shariah-compliant Commercial Card products including Corporate, Purchase, and Expense Management cards.
• Achieve assigned sales, revenue, and portfolio growth targets.
• Assess client financials, creditworthiness, and card limit requirements in coordination with Credit Risk teams.
• Ensure compliance with Islamic banking principles, internal policies, and UAE Central Bank regulations.
• Monitor portfolio performance, utilization, delinquency, and take proactive corrective actions.
• Client Onboarding & Account Management
• Coordinate onboarding, documentation, and KYC/AML requirements.

• Oversee card issuance, limit enhancements, renewals, and periodic reviews.

• Resolve client queries, service issues, and escalations in a timely manner.

• Work closely with Product, Operations, Compliance, Risk, and IT teams to deliver seamless client solutions.

• Prepare regular MIS reports on sales performance, pipeline, and portfolio health.

Specialist Skills / Technical Knowledge Required for this role:

• 3 – 5 years of experience in Commercial Cards, Transaction Banking, or Corporate/SME Banking
• Prior experience in an Islamic Bank or Shariah-compliant products is highly desirable
• Strong understanding of UAE corporate market and regulatory environment
• Strong relationship management and consultative selling skills
• Knowledge of commercial card solutions and expense management systems
• Financial analysis and credit assessment skills
• Excellent communication and presentation skills
• Proficiency in MS Office and CRM systems
• Client-centric and results-driven
• Strong negotiation and problem-solving skills
• Ability to work independently and collaboratively

Previous experience required (if any)

• A minimum of 3-5 years’ industry experience of Commercial Cards, Transaction Banking, or Corporate/SME Banking

• University degree

• Understanding of marketing dynamics including demographic factors, competitor products and services and customer experience

• Knowledge of the UAE Cards market and main competitors

• Ability to identify opportunities, negotiate and analyze post campaign results