Relationship Manager - SME Coverage
Employer not yet confirmed · UAE · onsite
About the Role
As a Relationship Manager - SME Remedial, you will be responsible for managing a portfolio of stressed, delinquent, and restructured SME relationships with the objective of maximizing recoveries, minimizing credit losses, and improving portfolio quality. The role focuses on customer engagement, remedial account management, restructuring support, collections, and recovery activities while ensuring compliance with the Bank's credit policies, risk frameworks, and regulatory requirements.
What You Will Be Doing
Portfolio Management & Customer Engagement
- Manage and support a portfolio of SME customers within the past due, restructured, and remedial segments.
- Conduct regular customer interactions to assess business performance, cash flow position, and repayment capacity.
- Build and maintain strong customer relationships while balancing customer needs with the Bank's risk appetite.
- Act as the primary liaison between customers and internal stakeholders including Credit, Collections, Operations, Legal, and Compliance.
- Support customer meetings, debt counselling sessions, and repayment negotiations.
- Maintain accurate records of customer engagements, commitments, and remedial action plans.
- Ensure adherence to the Bank's policies, regulatory requirements, and Code of Conduct.
Collections, Recovery & Restructuring
- Monitor overdue accounts and follow up on customer payment commitments to support collection efforts.
- Develop and implement appropriate remediation, restructuring, and recovery strategies for distressed accounts.
- Gather and analyze financial information required for restructuring assessments and credit reviews.
- Monitor compliance with approved repayment plans, restructuring terms, and customer commitments.
- Coordinate with relevant stakeholders to facilitate timely execution of restructuring and recovery actions.
- Escalate delinquent accounts and high-risk situations in a timely manner.
- Work towards minimizing credit losses and maximizing recoveries across the portfolio.
Credit & Risk Management
- Conduct periodic portfolio reviews and identify early warning signals of credit deterioration.
- Prepare account review notes, restructuring recommendations, and remedial proposals for management approval.
- Monitor portfolio performance, delinquency trends, DPD movement, covenant compliance, and customer conduct.
- Implement risk mitigation measures and ensure adherence to approved action plans.
- Support customer classification, provisioning, and regulatory reporting requirements where applicable.
- Ensure compliance with internal credit policies, governance frameworks, and regulatory standards.
Reporting & Stakeholder Management
- Maintain portfolio trackers, performance dashboards, and customer account records.
- Prepare periodic management reports, overdue summaries, recovery updates, and portfolio reviews.
- Collaborate closely with Credit Risk, Legal, Collections, Operations, and Compliance teams to achieve portfolio objectives.
- Contribute to departmental initiatives aimed at improving portfolio quality, recoveries, and operational efficiency.
What We're Looking For
Minimum Qualification:
- Bachelor's Degree in Finance, Accounting, Business Administration, Economics, or a related discipline.
- Professional qualifications in Credit, Risk Management, or Banking would be an advantage.
Minimum Experience:
- 7-10 years of banking experience, preferably within SME Banking, Credit Risk, Collections, Recoveries, or Remedial Management.
- Strong understanding of SME lending products, credit assessment, and risk management principles.
- Experience handling delinquent, restructured, and non-performing accounts.
- Proven track record in collections, recoveries, restructuring, and customer negotiations.
- Strong analytical skills with the ability to assess financial statements and cash flow performance.
- Knowledge of remedial account management and recovery strategies.
- Familiarity with regulatory requirements, credit policies, and governance frameworks.
- Strong stakeholder management and relationship-building skills.
- Excellent communication, negotiation, and problem-solving abilities.
- UAE banking experience is highly preferred.
- Proficiency in Microsoft Office applications and portfolio reporting tools.