Islamic Finance Executive-Cards Sales (Outsource)

ADIB; United Arab Emirates; On-site; AED 200,000 - 300,000; Full time

Job summary

An established industry player is seeking a dynamic individual to drive the sourcing of Covered Card applications in the UAE. This role involves achieving sales targets, maintaining customer relationships, and ensuring compliance with banking standards. The ideal candidate will have a strong understanding of banking practices and a proven track record in sales. Join a team that values integrity and excellence, where your contributions will directly impact the growth of innovative banking solutions. If you are passionate about customer service and thrive in a competitive environment, this opportunity is perfect for you.

Qualifications

• Broad knowledge of ADIB’s Covered Card and RBG products.
• Good knowledge of UAE banking practices and regulations.

Responsibilities

• Source new Covered Card products and achieve sales targets.
• Prepare and maintain DSR for all customer visits.
• Ensure accuracy of submitted applications and documents.

Skills

Sales Skills

Customer Service

Relationship Management

Data Confidentiality

Problem Solving

Tools

Daily Sales Report (DSR)

Standard Credit Application

Job description

Role to source Covered Card Application from the local market and sourcing of business should be within ADIB permitted policy and procedure.

Location: UAE

Key Accountabilities of the role:

1. Main Responsibilities:
2. To source New to Bank Covered card product to the specified target segment and achieve or exceed the assigned target.
3. To prepare & maintain DSR (Daily Sales Report) for the entire visited customers & company visits.
4. Create and maintain good relationship with all the business entities / individuals where the business is sourced.
5. To visit potential companies / institutions, to finalize business deals within the targeted turnaround time based on ADIB policy & procedure and give feedback to RSS.
6. Full awareness on product knowledge and implementing them at all times.
7. Deliver a timely prompt service to the Customers.
8. Adhere with stipulated office timing, follow strictly, secrecy norms, maintain data confidentiality & be presentable.
9. DSR should be submitted to the respective TL by end of day with complete details. Non-compliance will be escalated.
10. Regular / Occasional Responsibilities:
11. Prepare and review Standard Credit Application and ensure all information provided is accurate and ensure authenticity of the critical documents (i.e. Cheque, Copies of: Bank Statement, Passport, Emirates ID, Salary certificate etc.) prior to sending to PU for processing.
12. To ensure that all applications submitted are error free and rectify the error in case of any.
13. Follow the approval process and escalate the delay to RSS / Coordinator, if any.
14. Execute Murabaha contract with the customer representing ADIB, and prepare the file as per the checklist, forward card allocation for card issuance through the coordinators within 24 hours of completing signing formalities with the customer.
15. Check the Card disbursement and notify the Coordinator / RSS in case of delay at Card center end.
16. To maintain a good rapport with Inter-department / peers by ensuring a smooth flow of business.
17. To participate in activities assigned by your RSS / line manager during promotions.
18. Initiate cross-sell of other banking products on a best efforts basis (when required).
19. Escalate customer complaints to the supervisor level immediately, if any.

Specialist Skills / Technical Knowledge Required for this role:

1. Broad knowledge of ADIB’s Covered Card and other RBG products & services.
2. Fair knowledge of service standards, sales skills, and computer skills.
3. Good knowledge of UAE banking practices, regulations & risks.
4. General awareness of competitors in the local market.