Head of Liabilities Coverage
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Key skills for this role
About the Role
**Job Title:** Head of Liabilities Coverage **Reporting to:** Chief Wholesales Banking Officer **Supervise** Liabilities Coverage Team **Full Team** NA **Experience:** Years \& Type: · Minimum **12–15 years** of banking experience · UAE Market experience · Senior experience in liabilities, transaction banking, or wholesale coverage · Proven track record in CASA growth, deposits mobilisation, and f
Key Skills for This Role
Full Job Posting
Head Of Liabilities Coverage
Reporting to:
Years & Type
· Minimum
12–15 years
of banking experience
· UAE Market experience
· Senior experience in liabilities, transaction banking, or wholesale coverage
· Proven track record in CASA growth, deposits mobilisation, and fee income generation
· Experience building and leading sales and acquisition teams
· Experience of selling wholesale banking products in a competitive market
Job Purpose
To lead, build, and manage the Bank’s Liabilities Coverage function across Commercial and Corporate Banking, with full ownership of a portfolio of non-borrowing customers.
The role is responsible for originating, developing, and managing liabilities-led relationships, driving CASA growth, deposit mobilisation, and cross-selling of transaction banking, treasury, trade, and other fee-based products, while establishing a scalable and disciplined liabilities franchise aligned with the Bank’s balance-sheet and strategic objectives.
1. Liabilities Strategy & Franchise Development
- Define and execute the Bank’s liabilities growth strategy across non-borrowing Commercial and Corporate customers.
- Build a scalable liabilities franchise focused on operating accounts, CASA balances, term deposits, and stable transactional flows.
- Establish the Bank as a primary operating bank for targeted client segments.
- Contribute to balance-sheet optimisation through sustainable liabilities growth.
2. Client Coverage, Acquisition & Portfolio Ownership
- Lead a dedicated team of
Liability Relationship Managers And Acquisition Managers
- responsible for originating and managing non-borrowing customer relationships.
- Own end-to-end client coverage for the liabilities portfolio, including acquisition, onboarding, relationship management, and retention.
- Ensure disciplined calling activity, client planning, and structured coverage across the portfolio.
- Act as the senior escalation point for key liabilities-led relationships.
3. Cross-Selling & Revenue Growth
- Drive cross-selling of
- transaction banking, cash management, payments, collections, trade services, treasury, escrow, and other fee-based products
- within the liabilities-owned portfolio.
- Ensure structured wallet analysis and product penetration across all client relationships.
- Partner with product teams to deliver tailored, solution-driven offerings.
- Maintain pricing discipline and profitability across liabilities and non-interest income streams.
4. Risk, Controls & Portfolio Governance
- Ensure liabilities growth is aligned with the Bank’s risk appetite, liquidity framework, and regulatory requirements.
- Oversee KYC, AML, onboarding, and periodic review processes for liabilities clients.
- Monitor deposit concentration, balance volatility, and behavioural trends in coordination with Risk and Treasury.
- Ensure strong governance, documentation, and internal control standards across the portfolio.
5. Team Leadership & People Development
- Build, lead, and develop a high-performing Liabilities Coverage and Acquisition team.
- Set clear performance objectives and KPIs covering CASA growth, cross-sell penetration, fee income, and client acquisition.
- Drive a strong sales, ownership, and accountability culture through coaching and performance management.
- Promote collaboration with Product, Risk, Operations, Compliance, and Digital teams.
6. Sales Discipline & Performance Management
- Establish robust pipeline management, sales planning, and calling discipline.
- Drive consistent use of CRM and portfolio analytics tools.
- Conduct regular sales and performance reviews supported by data-driven insights.
- Identify gaps, implement corrective actions, and continuously improve productivity.
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