Unit Head – SME Commercial

About the role

The Unit Head – SME Commercial will lead a team of credit analysts and relationship managers, driving portfolio growth and ensuring credit quality in line with the bank's business plan.

Key responsibilities

• Identify and develop income‑generating opportunities within defined market industries and manage existing account relationships to maximise profitability.
• Review credit proposals for new and additional exposures, ensuring proper documentation and compliance with internal and external guidelines.
• Oversee credit quality by monitoring accounts, minimising non‑performing assets, and handling accounts when senior relationship managers are unavailable.
• Set clear objectives for the team, identify training needs, and collaborate with HR to reinforce capabilities.
• Generate profitability through cross‑selling of products and services, aiming to increase market share.

Required profile

• Omani national with a Bachelor’s degree in Business Administration, Finance, Economics or a related field (Master’s preferred).
• Minimum 8 years of experience in SME banking or related fields, with strong knowledge of SME products, credit analysis, risk management and regulatory requirements.
• Proven experience in leading teams and developing business strategies.

Required skills

• Strong understanding of SME banking products and credit analysis.
• Risk management and regulatory compliance expertise.