Responsibilities

Business Development

• Identify potential clients and develop income-generating opportunities in defined markets and industries.
• Create and maintain an annual business plan and sales budget for the assigned portfolio.
• Promote liability products to meet sales targets and contribute to overall branch and departmental performance.

Portfolio & Relationship Management

• Manage a portfolio of SME customers to ensure account profitability and client retention.
• Conduct regular client reviews and propose solutions that meet customer needs and align with Bank strategy.
• Maintain high levels of customer satisfaction and handle queries and complaints in a timely manner.

Risk and Compliance

• Ensure compliance with the Bank s Group Credit Policy, operational guidelines, and regulatory requirements.
• Monitor account activities, identify risk exposure, and escalate potential issues appropriately.
• Ensure documentation is accurate and complete for all customer accounts.

Operational Excellence

• Drive continuous improvement through innovation, automation, and digital solutions where needed.
• Collaborate with internal teams to ensure smooth processing of transactions and service delivery.
• Maintain accurate records and reports of client activities and performance against targets.

Learning & Development

• Stay updated on Bank products, services, and industry trends.
• Participate in learning and development initiatives to build professional capabilities.
• Mentor junior staff and contribute to knowledge sharing across the team.

Process Innovation, Automation & Digitalization: Drive continuous process improvement through innovative, automated, and digital solutions once required

Business Control & Governance Ensure adherence to the bank's policies, regulatory requirements, and industry standards in all operational activities.

Self/People Development & Continuous Learning: Continually update oneself through knowledge acquisition, on-the-job training, or project involvement; advocate and support others to do the same.

Desired Candidate Profile

• Omani Nationality only
• Bachelor's Degree in Business Administration, Finance, Banking, Accounting, Economics, or a related field.
• Minimum 5 years of banking experience, preferably in SME Banking, Business Banking, or Retail Relationship Management.
• Experience in liability products, customer acquisition, and portfolio management is preferred.