Director, Retail & Wholesale

Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting & dynamic industry.Job Purpose:To manage and grow relationships with large and strategic clients within the assigned portfolio in the Retail & Consumer Goods segment of Wholesale Banking. Drive new business origination while ensuring full compliance with Credit and Risk frameworks. Improve service quality levels and supervise the day‑to‑day activities and client interactions of subordinates to ensure the team consistently meets its objectives and achieves revenue targets, while maintaining strong client satisfaction and portfolio credit quality. Promote effective cross‑functional collaboration to deliver integrated financial solutions. High collaboration required internally and externally, with local and international client outreach (includes meetings in different time zones and tight deadline submissions). A highly engaged individual who can drive the business and internal processes to ensure approvals are sought in a short time span. Achieving financial targets and strategic objectives will be essential in driving sustainable growth and maintaining profitability.Key Accountabilities:Business OriginationOriginate new business opportunities with target clients across banking products and in line with relevant policies.Achieve individual and team’s financial performance targetsObtain support from relevant stakeholders and governance forums to execute deals (e.g., credit, products, GT).Examine & resolve credit, market and operational risk aspects of transactions in collaboration with products and enablement units.Leverage FAB’s network expansion through cross border deals.Expand Products Penetration Through Sector‑Focused Solutions.Ensure high returns with satisfactory yields and sufficient ancillary business.Maintain the credit quality of the client's relationships within the Portfolio to an acceptable level set by thePitch, review, negotiate and conclude deals.Develop and maintain strong relationships with key decision makers in other banks to originate business.Up to date with the latest market, competitors, regulatory and industry and amend accordingly the account plans as when applicable.Ability to handle sophisticated transactions and engage assigned team members.Recommend policy amendments as when required to match with the latest business trends.Client Relationship ManagementTo achieve assigned financial and non-financial objectives by meeting all borrowing & non borrowing needs of customers with target segments (E.g., borrowers, transactors, depositors).Prepare and Maintain Group Account Plans for all clients with support from relevant partners (e.g., products, international banking, Employee banking, Asset Management, etc.).Act as the main point of contact for clients, ensuring quality service and effective resolution of issues.Prepare briefing note memos ahead of senior management meetings with clients.Engage with internal stakeholders to obtain approvals for client RFPs in a timely manner.Increase wallet share with existing clients through strategic engagement and product penetration.Support on the conduct of annual/periodic credit facility reviews in the existing portfolio in a timely manner and support on the recommendation of appropriate credit facilities in line with the banks credit. policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/ upgrades.Develop, Implement and maintain complete control aspects i.e., documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.Organize client meetings with relevant partners/ seniority to deepen FAB relationship within the portfolio.Identify & develop cross selling opportunities and increase cross‑sell ratio and returns with clients.Support client on their day‑to‑day banking requirements with support from the team (as applicable).Ensure customer satisfaction remains high and meets the targeted NPS score.Be knowledgeable on market trends and manage a disciplined marketing process by identifying steps/strategies necessary to effectively initiate relationships with prospects.Onboard new clients as and when required.Align with Retail & Consumer Goods team as well as other partners to identify and convert opportunities.Collaborate with other business divisions to drive cross‑BU collaboration. Develop proposition strategy, competition analysis, focused group approach, service delivery model, customer experience, internal & external campaigns and alignment wi