Assistant Relationship Manager- SME Coverage

This role supports the management of stressed, past-due and restructured small and medium-sized enterprise customers, particularly within trade and working capital. It focuses on customer engagement, debt counselling, collection support and recovery initiatives. The objective is to improve portfolio performance, limit credit losses and help customers work through suitable remedial arrangements.

Success in this position depends on accurate work, sound judgement, timely follow-up and clear communication with colleagues and stakeholders. Issues should be escalated through the appropriate channels.

Key Responsibilities

• Support the management of a portfolio of overdue, stressed and restructured SME accounts.
• Engage customers to understand financial challenges, discuss repayment options and encourage regular communication.
• Assist with debt counselling, collection activities, restructuring proposals and recovery follow-up.
• Coordinate with credit, legal, operations and relationship teams to progress remedial cases.
• Maintain accurate case records and follow the Bank’s credit policies, procedures and applicable regulatory requirements.

Requirements and Qualifications

• Relevant experience in SME banking, trade finance, working capital, collections or remedial account management.
• Understanding of credit facilities, overdue accounts, restructuring and recovery processes.
• Ability to communicate professionally with customers experiencing financial difficulty.
• Strong negotiation, analysis, documentation and coordination skills.

Academic background: A relevant qualification in Finance, Banking, Business or a related discipline is suitable; specific degree requirements are not stated in the available extract.

Relevant experience: Relevant experience in SME credit, remedial banking or collections.

Skills

• SME banking
• remedial accounts
• trade finance
• working capital
• collections
• restructuring

Employment Details

This is a full time opportunity with RAKBANK in United Arab Emirates. The successful candidate must follow internal policies, protect confidential information and maintain professional service standards. Compensation and benefits can be confirmed during recruitment.