:Role : Virtual Relationship Manager
Location : SharjahRole Purpose:The Virtual Relationship Manager will act as a virtual sales channel, focusing on service & growth of various financial products, including liabilities, FX, fees, investments, wakala, and takaful, to increase revenue.Key Accountabilities of the roleClient Relationship Management and Customer Service: * Maintain regular communication with clients to enhance portfolio growth and satisfaction.

• Address and resolve customer complaints effectively.
• Use various methods (phone, email, meetings, visits) to maintain strong client communication.
• Focus on serving all clients, especially the premium segment.
• Develop tailored sales plans based on clients\' financial needs and goals.
• Educate clients on available products and services, highlighting benefits.
• Conduct financial reviews to identify additional needs and cross-selling opportunities.
• Follow up on leads promptly to convert them into sales.

Portfolio Growth and Financial Targets: * Manage the portfolio to achieve growth in liabilities, FX, fees, trade transactions, investments, and general financial targets.

• Ensure portfolio growth compared to the previous year.
• Identify cross-selling opportunities to increase revenue.
• Increase the number of products per customer.
• Implement strategies to maximize portfolio growth while mitigating risk.
• Track and analyze sales performance metrics for improvement.
• Use data analytics to identify high-potential clients and target them with personalized offers.
• Organize and participate in sales events to generate leads.
• Maintain a strong sales pipeline for new business opportunities.

Team Collaboration and Support: * Support the team across all areas.

• Follow line manager instructions and complete assigned tasks.
• . Work in multiple locations as needed.
• . Use MIS/CRM software to manage client relationships and sales activities.
• Monitor and analyze cross-selling performance for improvement.
• . Use customer feedback to refine cross-selling approaches and enhance satisfaction.

Portfolio Risk Monitoring: * Maintain awareness of risk parameters (AML, ADIB compliance, P&P, CB regulations).

• Provide necessary inquiries and documents to the compliance department.
• . Identify and assess potential risks or suspicious activities.
• Monitor customer transactions for risk or non-compliance patterns.
• Implement risk mitigation strategies to protect the portfolio.

Specialist Skills / Technical Knowledge Required for this role:

• Bachelor\'s degree in Finance, Business Administration, or a related field.
• Minimum of 5 years of experience in banking or financial services
• Knowledge of anti-money laundering measures, compliance policies, and central bank regulations.
• Excellent communication and interpersonal skills for effective client relationship management.
• Ability to coordinate and ensure documentation compliance with organizational policies.
• Proficient in handling customer complaints and providing excellent customer service.
• Familiarity with risk monitoring, due diligence, and updating customer records in compliance with regulations.
• Team player with the ability to collaborate effectively with internal teams and business partners.
• Flexibility to work in multiple locations based on business needs.
• Familiarity with ADIB policies and procedures is an advantage.
• Adherence to line manager instructions and the ability to handle various tasks assigned by the manager or management.

ADIB