Assistant Relationship Manager - SME Coverage

About the role

RAKBANK is hiring an Assistant Relationship Manager covering SME clients in Dubai. The role supports the management of a portfolio of stressed, past-due and restructured SME customers through customer engagement, debt counselling, collections, restructuring support and recovery initiatives. You will work closely with internal stakeholders to monitor repayment behaviour, facilitate timely remedial actions and ensure compliance with regulatory and internal policy requirements.

Key responsibilities

• Manage a portfolio of SME customers in past-due, restructured and remedial segments, and liaise with Credit, Collections, Operations, Legal and Compliance
• Support customer meetings, debt counselling and negotiation of repayment arrangements, and keep accurate records of engagements and remedial plans
• Monitor overdue accounts, follow up on payment commitments and help implement remediation, restructuring and recovery strategies
• Gather financial information for restructuring assessments, monitor compliance with repayment plans and escalate delinquent accounts
• Conduct portfolio reviews, prepare account review notes and restructuring recommendations, and support classification, provisioning and regulatory reporting
• Maintain portfolio trackers and management reports, and support internal reviews, audits and regulatory requests

Required profile

• University degree or equivalent in a relevant field; the text also asks for a Bachelor's in Business Administration, Finance or a related field
• Minimum 3 years of SME banking experience, preferably in banking or financial services
• Experience in collections, credit, relationship management or remedial functions
• Understanding of SME lending, restructuring, collections and recovery processes
• Fluent English; Arabic proficiency preferred

Required skills

• Ability to review customer financial statements and cash flow positions
• Proficiency in Microsoft Office, especially Excel and PowerPoint
• Analytical mindset, attention to detail and ability to manage multiple priorities
• Strong communication, stakeholder management and negotiation skills