Job Overview: Relationship Banker (Injaz – Loan DST)

This is a high-energy, sales-focused role within Mashreq’s Direct Sales Team (DST). As part of the Injaz program—Mashreq’s dedicated initiative for high-performance retail growth—you will be responsible for the end-to-end acquisition of new-to-bank customers and the expansion of the personal banking portfolio. This role is “outbound” in nature, requiring you to proactively hunt for prospects through phone calls, kiosks, and face-to-face meetings to sell products like Personal Loans, Credit Cards, and Salary Transfer Accounts. You are the “Growth Engine” of the retail division, responsible for turning leads into loyal Mashreq clients.

Key Information

Employer: Mashreq Bank
Location: Dubai, United Arab Emirates (Full-time Office/Field)
Division: Retail Banking Group – Injaz (Loan DST)
Product Focus: Personal Loans, Debt Consolidation, Credit Cards, and Liabilities
Targets: High-volume monthly sales KPIs

Key Result Areas

You will own the “Conversion Pipeline” for Mashreq’s retail products:

Sales Execution: Achieving aggressive monthly sales targets across the financial year by presenting and selling personal banking products in a professional, ethical manner.
Proactive Prospecting: Conducting high-volume outbound activity, including cold calling and direct face-to-face visits within targeted segments.
Portfolio Management: Managing a portfolio of “approved companies” by developing key contacts within HR and Finance departments to facilitate payroll transfers and group loan schemes.
Micro-Marketing: Organizing and executing direct marketing activities, such as setting up kiosks in corporate offices or malls to capture leads.
Compliance & Adherence: Ensuring strict adherence to KYC (Know Your Customer), FATCA, AML (Anti-Money Laundering), and CTF policies for every application submitted.
Operations & TAT: Ensuring that the “Turnaround Time” (TAT) for all customer applications is met, maintaining quality adherence to bank guidelines to ensure a smooth onboarding experience.

Candidate Requirements

Mashreq seeks a “High-Impact” sales professional with strong local market knowledge:

Experience: Previous experience in Direct Sales (DST) or Relationship Management within the UAE banking sector is highly preferred.
Product Knowledge: Deep understanding of personal finance products, specifically Personal Loans and Salary Transfer benefits.
Sales Grit: Proven ability to handle objections, negotiate terms, and close deals under pressure in a target-driven environment.
Compliance Awareness: Strong familiarity with UAE Central Bank regulations and internal bank policies regarding risk and documentation.
Communication: Excellent interpersonal skills with a “customer-first” attitude; fluency in English is required, and Arabic is often a significant competitive advantage in this segment.
System Proficiency: Comfortable using CRM tools and Daily Sales Reports (DSR) to track leads and performance.

Salary and Benefits

Mashreq is known for a high-performance culture that heavily rewards results:

Monthly Salary (Est.): AED 8,000 – AED 12,000 (Tax-free base salary).
Incentives: A highly competitive uncapped commission structure based on sales target achievement.
Exclusive Perks: Access to “Mashreq Vantage” rewards, staff banking benefits, and specialized training/coaching via the Injaz program.
Growth: Clear career path into Senior Relationship Management or Team Leader roles within the DST hierarchy.

Unique Job Description

Position: Relationship Banker (Injaz) — The Face of Mashreq’s Growth

Are you a “Sales Hunter” who thrives on turning a “No” into a “Yes”? Mashreq is looking for a Relationship Banker (Injaz – Loan DST) to join our elite Direct Sales Team in Dubai. We don’t just offer bank accounts; we provide the financial fuel that helps our customers achieve their life goals. This isn’t a “behind the desk” role; it’s a mission for a “Market Maker”—someone who can navigate Dubai’s corporate landscape to find, engage, and onboard our next generation of clients.

In this position, you are the primary driver of our personal banking expansion. You will spend your days executing “micro-marketing activities,” from high-stakes face-to-face visits at major corporations to engaging prospects at our signature kiosks. Whether you are using our CRM to track a lead or collaborating with the Governance team to ensure a perfect KYC file, your “sales grit” and “professional integrity” will be our greatest assets. You thrive in an environment where “morning huddles” and “Lean celebrations” push you to exceed your monthly targets and deliver an exceptional customer experience.

We are looking for a proactive professional who understands that in the world of banking, “Trust is the ultimate currency.” If you have the “analytical grit” to master our product range and the “communication skills” to manage complex objections, Mashreq offers you the ultimate platform to grow your career. Join us in Dubai, and let’s engineer a more prosperous future for our customers together.

Mashreq, Dubai

The Company

Mashreq is one of the oldest and most influential financial institutions in the UAE, having pioneered the region’s banking sector since 1967. Originally founded as the Bank of Oman, it has evolved into a digital-first, multi-national powerhouse. As of 2026, Mashreq is recognized as a Domestic Systemically Important Bank (D-SIB) , operating across 14 countries. The bank has successfully pivoted from a traditional lender to a “challenger” mindset, launching high-growth platforms like Mashreq NEO (retail), NEO BIZ (SME), and NEO CORP . It is currently a leader in embedding AI and blockchain into credit decision-making and trade finance, positioning itself as a primary “connector bank” for emerging trade corridors spanning Asia and the Middle East.

Culture

The culture at Mashreq is defined by the mantra “Rise Everyday.” It is a high-performance, progressive environment that prioritizes “Digital as the Operating Model” rather than just a channel. Internal life is characterized by a “meritocratic” and “conscientious” work ethic, where employee empowerment is anchored in platforms like WERise and WELearn . The bank values diversity—employing professionals from over 70 nationalities—and fosters a culture of transparency and agility. As a recipient of “Best Digital Bank” awards for multiple consecutive years, the atmosphere is tech-centric and innovation-led, attracting talent who thrive on disrupting legacy financial systems through data-driven strategies and AI-powered solutions.

Location

In 2020, Mashreq inaugurated its visionary Global Headquarters in the heart of Downtown Dubai . Located on Financial Center Road , the 32-story, stone-clad architectural masterpiece stands at 151 meters and serves as a prominent gateway to the Burj Khalifa district. The building is a model of sustainability, achieving LEED Gold certification with a unique self-shading “L-shaped” design. Strategically positioned between Sheikh Zayed Road and the DIFC , the HQ features a 350-seat auditorium, a state-of-the-art gym, and a garden terrace. This central hub places Mashreq at the epicenter of the UAE’s financial and regulatory landscape, within walking distance of the Dubai Mall metro station and the city’s major economic influencers.

Mashreq: Strategic Business Segments

Segment	Flagship Platform / Focus
Retail Banking	Mashreq NEO – A 4.8-star rated, fully digital retail ecosystem.
SME Banking	NEO BIZ – Specialized digital onboarding and invoicing for startups.
Corporate Banking	NEO CORP – AI-powered treasury and global transaction services.
Islamic Banking	Mashreq Al Islami – Shari’ah-compliant retail and corporate products.
Investment	Mashreq Capital & Mashreq Securities – Wealth and asset management.
Sustainability	Climb2Change – Facilitating AED 110 billion in green finance by 2030.

To apply for this job please visit www.mashreq.com.