Islamic Finance Executive - Cards Sales

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

Job summary

A financial institution in the UAE is seeking a professional to source covered card applications from the local market. The successful candidate will be responsible for achieving targets, preparing daily sales reports, and maintaining relationships with local business entities. The role demands a good understanding of UAE banking practices and regulations. Candidates should possess strong sales and computer skills, and the ability to ensure data confidentiality. A proactive approach to customer service and compliance with internal policies is essential.

Qualifications

• Broad knowledge of ADIB's Covered Card and other products.
• Good understanding of UAE banking regulations.
• Ability to maintain data confidentiality.

Responsibilities

• Source new banking products and achieve targets.
• Maintain daily sales report of customer visits.
• Build and maintain relationships with clients.

Skills

Sales skills

Computer skills

UAE banking practices knowledge

Customer relationship management

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

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

Specialist Skills / Technical Knowledge Required for this role

• Broad knowledge of ADIB’s Covered Card and other RBG products & services.
• Fair knowledge of service standards, Sales skills and Computer skills.
• Good Knowledge of UAE banking practices, regulations & risks.
• General awareness of competitors in the local market.