Branch Sales Executive - AUH Central Region (Outsource Role)

ADIB; United Arab Emirates; On-site; AED 40,000 - 80,000; Full time

Job summary

An established industry player is seeking a dynamic individual to drive Personal Finance applications in the UAE market. This role involves sourcing innovative financial products and maintaining strong relationships with clients and business entities. You will play a crucial part in ensuring compliance with banking regulations while achieving sales targets. If you are passionate about finance and customer service, and thrive in a fast-paced environment, this opportunity is perfect for you.

Qualifications

• Broad knowledge of ADIB’s Personal Finance products.
• Good understanding of UAE banking practices and regulations.

Responsibilities

• Source new Personal Finance products and achieve targets.
• Prepare Daily Sales Reports and maintain customer relationships.

Skills

Sales Skills

Customer Service

Banking Regulations Knowledge

Computer Literacy

Job description

To source Personal Finance Applications from the local market, ensuring that business sourcing aligns with ADIB's permitted policies and procedures.

Key Accountabilities of the role

1. Main Responsibilities
2. Source new-to-bank Personal Finance, Covered Cards, Auto, and Takaful products within the specified target segment and achieve or exceed assigned targets.
3. Prepare and maintain the Daily Sales Report (DSR) for all visited customers and company visits.
4. Establish and maintain good relationships with all business entities and individuals from whom business is sourced.
5. Visit potential companies and institutions to finalize business deals within the targeted turnaround time, adhering to ADIB policies and procedures, and provide feedback to RSS.
6. Maintain full product knowledge and implement it consistently.
7. Provide prompt and timely service to customers.
8. Adhere to office timings, follow confidentiality norms, and maintain a professional appearance.
9. Submit the DSR to the respective Branch Manager by the end of each day with complete details.
10. Ensure compliance with the above; escalate any non-compliance issues.
11. Regular / Occasional Responsibilities
12. Prepare and review Standard Credit Applications, ensuring all information is accurate and authentic, including critical documents like bank statements, passports, Emirates IDs, and salary certificates, prior to submission.
13. Ensure all applications are error-free and rectify errors when identified.
14. Follow the approval process and escalate delays to BM / OSM as necessary.
15. Execute Murabaha contracts with customers, prepare files as per checklists, and forward card allocations for issuance within 24 hours of signing formalities.
16. Monitor disbursement of finance and notify BM / OSM of delays.
17. Maintain good rapport with inter-departmental teams and peers to ensure smooth business flow.
18. Participate in activities assigned by your BM / OSM / line manager during promotional periods.
19. Initiate cross-selling of other banking products on a best-efforts basis when required.
20. Immediately escalate customer complaints to supervisors if any arise.

Specialist Skills / Technical Knowledge Required

• Broad knowledge of ADIB’s Personal Finance and other RBG products and services.
• Fair knowledge of service standards, sales skills, and computer literacy.
• Good understanding of UAE banking practices, regulations, and risks.
• Thorough knowledge of all regulations issued by the Central Bank of the UAE.

General awareness of competitors in the local market.