Senior Virtual Relationship Officer - Business Aspire

Embark on a journey where your unique contributions are celebrated, and your professional growth is embraced. At ADCB, we nurture a diverse, inclusive community where every voice is valued.

About the business area

ITMAM, a wholly-owned subsidiary, provides banking operational and processing services to all Group sectors, including lending, wealth management, and ATM services. Integrated into the Group Business Services (GBS) organizational structure, ITMAM operates under its own Board of Directors, comprising Group executive staff members. Its structure includes a General Manager overseeing five key operational service divisions: Consumer Operations, Corporate & Investment Banking Operations, Customer Contact Services, Treasury and Syndication Operations, and Shared Services and Operations Management. Notably, "Tamooha," the Group's award-winning operations center initiative, is staffed exclusively by UAE national women.

We are actively seeking an ambitious professional to join our team at ADCB to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking.

In this role, your key responsibilities include:

• Manage an assigned portfolio of Business Banking Aspire clients through structured virtual engagement in order to develop an in-depth understanding of each client’s business, financial position and service needs.
• Maintain regular contact plans, review account activity, respond to enquiries and ensure all interactions and actions are accurately recorded in approved systems to support client satisfaction, retention and portfolio performance.
• Identify and progress new client opportunities through virtual and digital channels by qualifying prospects, understanding requirements and supporting end-to-end onboarding in line with approved processes.
• Review existing client relationships to identify cross-sell opportunities and recommend suitable products and services in order to support revenue growth, balances and fee income while maintaining portfolio quality.
• Conduct structured needs analysis using client information, account behavior and discussions to identify appropriate banking solutions.
• Recommend products and services across deposits, lending and transactional offerings, clearly explaining features, requirements and implications, and engage product specialists where required to ensure solutions are suitable, compliant and aligned to client circumstances.
• Monitor client activity and portfolio performance to identify early warning indicators and changes in risk profile.
• Prepare and submit credit applications, renewals and reviews supported by accurate information and analysis, and work closely with credit, risk and compliance teams to ensure adherence to risk appetite, AML, KYC and regulatory requirements.
• Promote and support the use of approved digital banking channels (e.g. online banking, mobile apps, virtual banking platforms) by guiding clients through onboarding steps and self-service options relevant to their needs.
• Assist clients in completing digital journeys to improve efficiency and reduce reliance on manual servicing while ensuring all requests are authenticated and processed through authorised systems.
• Ensure full compliance with all applicable regulatory requirements, internal policies, procedures and controls by adhering to approved processes, maintaining accurate documentation and supporting audit and assurance activities.
• Identify and escalate potential compliance issues, cooperate with Compliance and Audit teams during reviews, and implement agreed actions in order to mitigate risk and uphold ADCB’s governance standards.

The ideal candidate should have the following experience:

• At least 4 years of relationship management experience with a preferred emphasis on business banking and client relationship management.
• Bachelor’s Degree in Business, Finance, Accounting, Economics or a related discipline
• Certified Financial Planner, Chartered Financial Analyst equivalent
• Business Banking Products and Services
• Relationship and Portfolio Management
• Virtual and Digital Client Servicing Models
• Client Needs Analysis and Solution Advisory
• Sales, Cross-Selling and Revenue Generation
• Credit Fundamentals and Risk Awareness
• AML, KYC and Regulatory Compliance
• Audit Awareness and Control Adherence
• Digital Onboarding and Channel Adoption
• CRM Systems and Banking Platforms
• Data Analysis, Reporting and Portfolio Monitoring
• Stakeholder Management and Collaboration
• Customer Service Excellence and Service Recovery
• Communication, Influencing and Relationship Building
• Problem Solving, Decision Making and Prioritization.

What we offer:

Comprehensive Benefits Package: This includes market-leading medical insurance, group life and personal accident insurance, paid leave and leave airfare, employee preferential rates on loans and finance facilities, staff discounts and offers, and children education assistance (for certain job levels).

Flexible and Remote Working Options: We understand the importance of work-life balance and offer flexible working arrangements, subject to eligibility and job requirements.

Learning and Development Opportunities: We value and facilitate continuous learning and personal development, through a variety of exciting learning opportunities, such as structured instructor-led courses, a comprehensive e-Learning catalog, on-the-job training and professional development programs.

At ADCB, we are dedicated to creating a respectful, caring and disciplined work environment that aligns with your career ambitions.