Relationship Manager- Business Banking at Dubai Islamic Bank

Dubai Islamic Bank has the unique distinction of being the world’s first full Islamic bank, a pioneering institution that has combined the best of traditional Islamic values with the technology and innovation that characterise modern financial institution



  • Deliver the revenue and balance sheet targets assigned by identifying and maintaining  target customers/ customer segments within each catchment area
  • Manage the profitability of product portfolios and customers as well as  improve the profitability through increased fee income generation
  • Ensure the overall credit quality of the asset book within acceptable limits
  • Review the overall portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.
  • Obtain audited financial statements, analyze and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives.
  • Maintain complete control aspects i.e., documentation, periodical customer visits / call reports, expires on monthly manner in order to monitor the assigned portfolio effectively and to ensure all statutory and controls for the business processes
  • Manage assigned relationships to ensure satisfactory account conduct and early ratification of various credit related issues.
  • Undergo an annual review process on the assigned portfolio to maintain strict credit discipline.
  • Identify the segment target market to broad – base the portfolio and pursue growth opportunities towards on boarding of the new clients
  • Ensure high performance culture and delivery of professional and quality customer service
  • Monitor customer complaints, approaching complainant personally where required to ensure prompt resolution
  • Ensure follow ups on exception report with regard to returned Cheques and call for explanation from customer where necessary.
  • Ensure follow ups on deficiency reports.
  • Ensure timely & accurate submission of regular & adhoc management reports
  • Ensuring all portfolio monitoring/management processes & measures are undertaken regularly and on an on-going basis and all credit files are properly maintained with a view to achieving good audit rating


Basic Education:

Bachelor’s Degree in Business Management/ Finance/ Accounting/ Economics/ Marketing or equivalent

Additional Desirable Qualifications:

Certification or Degree or Diploma in relevant area


  • Credit knowledge and marketing skills
  • Functional Policies and Procedures
  • Relevant Product Knowledge
  • Knowledge of banking practice and theory and bank’s credit policy and operating systems
  • Compliance and Regulatory requirements knowledge for each of the products

Work Experience :

Minimum 5 years’ experience in banking, with at least 2 years in managing medium-large commercial portfolio at senior levels in well-established and recognized financial institutions.


  • Analytical thinking
  • Problem solving skills
  • Communication skills
  • Customer Focus
  • Selling Skills
  • Foundations & principles of Islamic finance

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