Islamic Finance Executive-Cards Sales (Outsource) | Dubai, UAE

ADIB - Abu Dhabi Islamic Bank; Dubai; On-site; AED 30,000 - 60,000; Full time

Job summary

An established industry player is seeking an Islamic Finance Executive to drive card sales in Dubai. This role focuses on sourcing new card applications while adhering to banking regulations and maintaining excellent customer relationships. The ideal candidate will possess strong sales skills and a solid understanding of the UAE banking landscape. Join a dynamic team dedicated to providing exceptional service and achieving ambitious targets in a competitive market. If you're passionate about finance and customer engagement, this opportunity is perfect for you.

Qualifications

• Experience in sourcing covered card products and achieving sales targets.
• Knowledge of banking regulations and customer service standards.

Responsibilities

• Source new-to-bank covered card products and maintain sales reports.
• Prepare credit applications and ensure accuracy of documents.

Skills

Sales Skills

Customer Relationship Management

Knowledge of UAE Banking Practices

Computer Literacy

Education

Bachelor's Degree in Finance or Business

Job description

Islamic Finance Executive - Cards Sales (Outsource)

ADIB - Abu Dhabi Islamic Bank Dubai, United Arab Emirates

Job Description

Role: To source Covered Card Applications from the local market, ensuring sourcing of business within ADIB's permitted policies and procedures.

Location: UAE

Key Accountabilities of the role:

1. Main Responsibilities:

• Source new-to-bank covered card products targeting specified segments and achieve or exceed assigned targets.
• Prepare and maintain Daily Sales Reports (DSR) for all customer visits and company interactions.
• Create and maintain good relationships with all business entities and individuals from whom business is sourced.
• Visit potential companies and institutions to finalize deals within targeted turnaround times, adhering to ADIB policies and procedures, and provide feedback to the Relationship Sales Supervisor (RSS).
• Maintain full product knowledge and implement it consistently.
• Provide timely and prompt service to customers.
• Adhere to office timings, uphold secrecy norms, maintain data confidentiality, and present oneself professionally.
• Submit DSRs to the respective team leader by end of day with complete details; escalate non-compliance.

Regular / Occasional Responsibilities:

• Prepare and review standard credit applications, ensuring accuracy and authenticity of critical documents (e.g., cheque, bank statements, passport, Emirates ID, salary certificates) prior to processing.
• Ensure error-free application submissions and rectify errors as needed.
• Follow approval processes and escalate delays to RSS or coordinator.
• Execute Murabaha contracts with customers, prepare files according to checklists, and forward card issuance requests within 24 hours of signing formalities.
• Check card disbursement status and notify coordinators or RSS of delays.
• Maintain good rapport with inter-departmental teams and peers to ensure smooth business flow.
• Participate in promotional activities assigned by managers.
• Initiate cross-selling of other banking products on a best-efforts basis when required.
• Immediately escalate customer complaints to supervisors when necessary.

Specialist Skills / Technical Knowledge Required:

• Broad knowledge of ADIB's Covered Card and other Retail Banking Group (RBG) products and services.
• Fair knowledge of service standards, sales skills, and computer literacy.
• Good understanding of UAE banking practices, regulations, and risks.
• General awareness of competitors in the local market.