Personal Banker - Loan DST

Mashreq; Dubai; On-site; AED 90,000 - 130,000; Full time

Job summary

Mashreq in Dubai seeks a dynamic Banking Sales professional to drive monthly targets and proactively prospect clients in targeted segments. You will present a full range of personal banking products, conduct compliant face-to-face and kiosk interactions, and manage objections to secure sales and payroll transfers.

The role requires familiarity with retail banking policies, strong communication skills, and at least 1 year of sales experience.

Qualifications

• Sales profile requiring confidence, persistence, personality and strong verbal/written communication.
• Basic knowledge of Retail Banking products and service policies.
• 1 year of sales experience in any discipline.

Responsibilities

• Achieve monthly sales targets in the financial year.
• Prospect in targeted segments and conduct phone calls and face-to-face meetings.
• Present and sell personal banking products & services ethically and professionally.
• Carry out micro marketing activities including kiosk and direct marketing efforts.
• Handle objections to drive sales or payroll transfers.
• Ensure end-to-end customer TAT with quality adherence as per guidelines.
• Comply with bank policies on product, KYC, FATCA, AML CTF and third-party channels.
• Record sales activities in CRM and prepare Daily Sales Reports.

Skills

Sales

Communication

Persuasion

Verbal & Written

Job description

Job Description:

KEY RESULT AREAS

• Achieve monthly sales targets in the financial year.
• Prospect in targeted segments that require meeting standards in phone calls, and face-to-face visits.
• Present and sell all personal banking products & services to potential customers in an ethical structured & professional manner.
• Conducting micro marketing activities that include Kiosk activities and other direct marketing activities.
• Handling objections with a view to getting the customer to buy or company to transfer payroll.
• Ensure End-To-End customer TAT is met for all applications submitted with quality adherence as per target guidelines.
• Ensure strict compliance with the Bank’s policy with regards to product, customer KYC, FATCA, AML CTF and third-party channel interactions.
• Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
• Participate in all Team Activities like morning huddles, training and coaching, complete mandatory compliance and fraud trainings, Lean & rewards celebrations. Ensure the highest ethics, standards and integrity are followed and immediately elevate any suspected or actual breaches to Senior Management, Governance, as may be required.

Operating Environment, Framework and Boundaries, Working Relationships

• Competitive, dynamic, volatile and regulated business environment with low entry / exit barriers.
• The job holder will be operating within well-defined and demarcated business areas and is required to adhere to the policies and guidelines set out in the Bank’s Credit Policy Manual.
• Candidate must effectively / actively liaise with his superiors and direct reports within the business unit to achieve business objectives.
• Works in an environment of daily reporting with six days working.

PROBLEM SOLVING

• Sales require understanding customers’ individual financial circumstances.
• Responsible for assisting staff and customers in achieving their goals and objectives.

DECISION MAKING AUTHORITY & RESPONSIBILITY

• Responsible for honestly assisting the customer in achieving his objectives through courteous and friendly service, accurate promises keeping within the service delivery standards set by the bank.
• Should have complete product & policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.

KNOWLEDGE, SKILLS AND EXPERIENCE

• Sales profile that require confidence, persistence, personality and verbal written
• Basic knowledge of products, service policies and processes of Retail Banking.
• Any discipline with1 year sales experience