Relationship Officer & POS Loans & Merchant Acquiring

FAB; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading bank in the UAE is seeking a Relationship Officer for POS Loans/Merchant Acquiring to meet sales targets while ensuring exceptional client onboarding experiences. The candidate must possess strong negotiating skills and have a solid background in POS loans, ideally with 3-5 years of experience in the banking or financial sector. The role emphasizes customer service excellence and opportunities for cross-selling. The position is based in Dubai, offering a full-time schedule with career development initiatives in a dynamic work environment.

Qualifications

• 3 – 5 years of experience in Banking or in a Financial Industry.
• Must have POS Loans experience.
• Capable of building and maintaining business relationships.

Responsibilities

• Meet and exceed monthly and annual sales target objectives.
• Participate in Learning and Development programs.
• Ensure excellent customer service by delivering quality client onboarding experience.

Skills

POS Loans experience

Convincing and negotiating skills

Building effective business relationships

Cross-selling

Education

University Degree / MBA / PGDM / Sales diploma or certification

Job description

Relationship Officer - POS Loans/Merchant Acquiring

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
• To be familiar with all policies, products and processes to ensure superior client on boarding experience
• To proactively participate in Learning, Development and training programmes of the bank in order to be an effective sales personnel
• Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated

Generic Accountability - Financial:

• 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
• To 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 assets

Customers:

Be commercially effective in the role 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
• To 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

Learning & Growth:

Participate in the assigned People Development and L&D programmes. Take accountability for own development by active enrolment and participation with close coordination with respective Team

• To ensure participation in assigned training, Learning & Developemet programmes
• Awareness to competition offerings and offer suggestions to line manager to improve product/ processes

Qualifications

• POS Loans experience is a must
• Requires good convincing and Negotiating Skills according to the complexity of business.
• Continuous suggestions on Changes and ways of improving FAB Products.
• To build and maintain effective business relationship with all colleagues.
• Identify any cross-Selling opportunity for Other Business Divisions of the Bank

Education required: University Degree / MBA / PGDM / Sales diploma or certification preferable.

Experience: 3 – 5 years of experience in Banking or in a Financial Industry

About Us

About Us:

First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.

Life at FAB:

Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to "Grow Stronger." We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization

FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.

Our Values:

At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.

Join our team and be part of a journey to shape the future of banking.

Job Info

• Job Identification 684
• Posting Date 01/12/2026, 08:19 AM
• Apply Before 01/31/2027, 12:00 AM
• Degree Level Bachelor's Degree
• Job Schedule Full time
• Locations FAB, Jadaf, 1st Floor, Dubai, AE