Relationship Manager – SME Coverage

The Relationship Manager will manage a portfolio of stressed, delinquent and restructured SME relationships. The role is focused on improving portfolio quality through customer engagement, remedial account management, restructuring support, collections and recovery activity. It requires strong credit judgement and the ability to work with customers and internal teams while protecting the Bank’s risk position.

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

• Manage assigned stressed and delinquent SME relationships with a focus on recovery and improved portfolio performance.
• Engage customers, assess repayment challenges and identify suitable options for resolving overdue obligations.
• Coordinate restructuring, collection and recovery activities with relevant credit, legal and operations teams.
• Monitor account performance, track agreed actions and escalate cases that require further intervention.
• Ensure all customer engagement and remedial decisions follow the Bank’s credit policies, risk frameworks and regulatory requirements.

Requirements and Qualifications

• Relevant experience in SME relationship management, remedial banking, collections or credit risk.
• Understanding of SME lending, credit facilities, restructuring and recovery processes.
• Strong customer engagement, negotiation, analytical and decision-making capabilities.
• Ability to maintain accurate records and manage sensitive cases professionally.

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

Relevant experience: Relevant experience in SME banking or remedial portfolio management.

Skills

• SME coverage
• credit risk
• remedial management
• restructuring
• collections
• recovery

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.