Relationship Officer - Liabilities

FAB; Dubai; On-site; AED 120,000 - 150,000; Full time

Job summary

A leading financial institution seeks a motivated sales professional in Dubai to meet sales targets and ensure superior client onboarding experience. The role involves developing client relationships, adhering to compliance procedures, and participating in training programs. Candidates should have strong leadership skills, good knowledge of banking products, and the ability to work in a multi-cultural environment. This position offers opportunities for professional growth in a dynamic atmosphere.

Qualifications

• Proven ability to meet and exceed sales targets.
• Experience in managing customer relationships effectively.
• Understanding of compliance policies and processes.

Responsibilities

• Achieve monthly and annual sales targets.
• Ensure compliance with KYC and other policies.
• Participate in training and development programs.

Skills

Leadership & team management

Good knowledge of BB products

Service quality & customer handling skills

Good computer skills – Excel, Word, PowerPoint

Motivated & proactive approach

Ability to develop & strengthen relationship between team & customers

NTB business development abilities

Job description

JOB PURPOSE

• Meet and exceed monthly and annual sales target objectives
• Ensure penetration in the market through focus on New To Bank acquisition as well as solicit existing clientele
• Do proper analysis of the case and provide all related information of the customer after the field visit is done
• Be familiar with all policies, products and processes to ensure superior client on boarding experience
• Proactively participate in Learning, Development and training programmes of the bank to be an effective sales personnel
• Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated

JOB DIMENSIONS

Revenues/ Budget: Per KPI

Direct Reports: N/A

Indirect Reports: N/A

KEY ACCOUNTABILITIES

• Accomplish set sales and revenue objectives for all Products as per set business plan
• Achieve monthly & annual set KPI objectives
• Focus on New To Bank acquisition along with leveraging existing client base
• Leverage on cross sell opportunities to ensure higher revenue per customer
• Maintain Daily Sales Reports on sales performance for review by team leader and manager
• Be commercially effective and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience
• Ensure thorough knowledge of all product, policies and processes in order to achieve superior client on boarding experience
• Ensure no mis‑selling to customers by offering products/services transparently as per customer requirements
• Understand and resolve/escalate customer redresses to ensure timely resolution
• Participate in assigned People Development and L&D programmes; take accountability for own development by active enrolment and participation with close coordination with respective team
• Participate in assigned training, Learning & Development programmes
• Be aware of competition offerings and offer suggestions to line manager to improve product/processes
• Implement prescribed Sales & Compliance processes as per Bank's policies
• Adhere to Risk Control Assessment process across all areas of Business Banking Department – Selling, Client Onboarding, Fraud Control, Client Application & KYC Documentation etc
• Adhere to all prescribed internal processes to ensure satisfactory Audit Ratings by adherence of all prescribed processes
• Ensure to bring quality and right customers to the franchise
• Discuss the cases with stakeholders and ensure support is provided

SKILLS & QUALIFICATIONS

• Leadership & team management
• Good knowledge of BB products
• Service quality & customer handling skills
• Good computer skills – Excel, Word, PowerPoint
• Motivated & proactive approach
• Competitive and ability to work in multi‑cultural environment
• Ability to develop & strengthen relationship between team & customers
• Good knowledge of BB products, compliance policies & services
• NTB business development abilities

ADDITIONAL RESPONSIBILITIES

• Customer Insight and Market Research: Build a strong understanding of our portfolio, BB Customers’ unmet needs, and use these insights to develop value proposition strategy, conduct market research
• Presentation preparation and development: Develop written and verbal communications to inform and align with key decision makers and demonstrate real business impacts

HEALTH & SAFETY

Adherence to policies, processes, and procedures of the bank pertaining to health & safety

FRAMEWORKS, BOUNDARIES, & DECISION MAKING AUTHORITY

• Propose and recommend decisions as per the approved authorisation matrix
• Functions within the framework and boundaries of Group policies as well as overall organisational and governance frameworks