Virtual Relationship Manager

First Abu Dhabi Bank

Job Description

To manage and grow a portfolio of profitable borrowing and non-borrowing customer base in defined geographical markets in pursuit of specific sales, service, growth and opportunity targets.

  • Meet and exceed monthly target objectives across portfolio growth and revenue
  • Focus on activation and management of dormant/inactive customers
  • To be abreast with all policies, products and processes to ensure superior client on boarding experience
  • To proactively participate in Learning, Development and training programmes of the bank in order to be effective sales personnel
  • Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated

Job Context

  • Manage portfolio of 400-500 customers comprising of customers primarily non borrowing customers
  • Achieve monthly& annual KPI objectives (Portfolio, Revenue, X-sell and Activations)
  • Cross sell bank products (New accounts, Assets, Trade, FX and Bancassurance) to increase product penetration across customer portfolio
  • Refer and upgrade customers to other units within the segment viz. Sales & Coverage RM
  • Ensure penetration in the market through focus on New to Bank referrals from existing customers
  • Maintain Daily Sales Reports on business performance for review


  • Be commercially effective in the role and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience
  • Ensure timely updation of KYC and conduct due diligence
  • Ensure thorough knowledge of all product, policies and processes in order to achieve superior client on boarding experience
  • Effectively manage current account excess and account conduct management
  • To ensure no mis selling to customers by offering products/services transparently as per customer requirements
  • Understand and resolve/escalate customer redresses to ensure timely resolution

Learning & Growth:

  • Participate in the assigned People Development and Learning & Development programmes. Take accountability for own development by active enrolment and participation with close coordination with respective Unit Manager
  • To ensure participation in assigned training, Learning & Development programmes
  • Awareness to competition offerings and offer suggestions to line manager to improve product/ processes

Internal Processes:

  • Ensure strict adherence of prescribed Sales & Compliance processes as per Bank’s policies.
  • Adherence to governance & controls to proactively identify, manage and minimize/mitigate potential losses
  • Adhere to agreed SOP’s across applicable areas
  • Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings


  • Propose and recommend decisions as per the approved authorisation matrix.
  • Functions within the framework and boundaries of Group policies as well as overall organisational and governance frameworks.


Minimum Qualification

  • Bachelor’s Degree in Business Administration, Finance, Banking or a related major field of study is preferred

Minimum Experience

  • 3 years relevant experience in the Corporate, Commercial or Business Banking in similar positions of managing customer base in the identified target segment.

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