Head of Mortgage Sales | Sharjah, UAE

Sharjah Islamic Bank; Sharjah; On-site; AED 150,000 - 200,000; Full time

Job summary

A leading bank in the UAE is seeking an experienced Retail Banking Manager to oversee sales operations and enhance market share. The role involves managing a team, developing customer relationships, and ensuring adherence to banking policies. Candidates should have extensive experience in retail banking and a strong understanding of Islamic banking principles.

Qualifications

• 12-14 years of retail banking experience, including at least 6 years in retail business management.

Responsibilities

• Manage and lead bank sales force to achieve targets and business development.
• Cultivate strong relationships with customers and enhance business development.
• Supervise employee performance and provide necessary support.

Skills

Time Management

Ethical Standards

Responsibility

Resource Management

Goal Evaluation

Islamic Banking Principles

Banking Operations

Interpersonal Skills

Communication

Banking Regulations

Human Relations

Education

Bachelor's degree in Financial & Banking Science

Bachelor's degree in Financial Management

Job description

Job Purpose:
To effectively manage and lead a bank Sales force, adhering to SIB policies and guidelines, and ensuring target achievement, business development, and high customer focus are maintained as per the strategic plan set for the Direct Sales Unit and the Retail Banking function as a whole.

Key Accountabilities:

1. Business Development and Aggregator Relations:
   Identifies and pursues opportunities to enhance business development. Focuses on promoting direct sales and improving market share for increased profitability. Establishes new aggregator relationships while maintaining and enhancing existing ones. Collaborates closely with product teams to implement market best practices and grow the mortgage finance business through market insights and competition analysis.
2. People Management:
   Supervises daily employee performance, providing necessary support and guidance.
3. Performance Monitoring:
   Reviews internal reports and assesses performance against targets. Offers feedback and guidance for further actions as needed. Builds a committed and reliable team, providing constructive feedback and delegating responsibilities based on individual capabilities.
4. Customer Relationship Management:
   Targets business sources and engages decision-makers to attract new business to the organization. Cultivates and sustains strong professional relationships with both existing and prospective customers, ensuring their needs are met and promoting additional bank products and services. Develops customer interview plans and analyzes feedback to promptly address any concerns and ensure customer satisfaction.
5. HR Development & Administration:
   Reviews performance of employees to determine strengths and weaknesses and ensures provision of adequate training and development programs to enhance and upgrade their capabilities to perform at the required standards. Participates in sourcing and attracting qualified candidates to work with the bank and ensures they are properly familiarized with the bank, its products, and services before they assume their full positions.
6. Policies & Procedures:
   Ensures subordinates understand and comply with operational procedures and guidelines, maintaining a controlled and efficient work environment. Upholds strict adherence to all bank policies and procedures.

Key Skills:

• Manage time effectively, meet deadlines, and achieve targets.
• Set and exemplify high ethical standards.
• Assume responsibility for actions to handle critical work demands.
• Remove obstacles to the efficient use of resources.
• Assist in establishing, accomplishing, and continuously evaluating goals.
• Sound knowledge of Islamic Banking principles.
• Knowledge of banking operations and control procedures.
• Strong interpersonal skills and communication.
• Deep knowledge and understanding of banking rules and regulations.
• Human relations skills.

Minimum Qualifications:

• Bachelor's degree in Financial & Banking Science, Financial Management, or related fields.

Minimum Experience:

• 12-14 years of retail banking experience, including at least 6 years in retail business management.

Language:

• Good communication skills in English (Arabic is an advantage).