About the Role
The Branch Sales Executive is responsible for sourcing Personal Finance Applications from the local market while adhering to the company's permitted policies and procedures. This role involves selling various financial products including New to Bank Personal Finance, Covered Cards, Auto, and Takaful products to specified target segments. The Branch Sales Executive is expected to build relationships within the community and achieve sales targets through proactive engagement and exceptional customer service.
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Key Accountabilities of the Role
Main Responsibilities
- Source New to Bank Personal Finance, Covered Cards, Auto & Takaful products to achieve or exceed assigned targets.
- Prepare and maintain Daily Sales Reports (DSR) for all customer visits and company engagements.
- Develop and maintain strong relationships with business entities and individuals where business is sourced.
- Visit potential companies and institutions to finalize business deals promptly in accordance with the company's policies and procedures, providing feedback to the Regional Sales Supervisor (RSS).
- Maintain full product knowledge and apply it effectively at all times.
- Deliver timely and prompt service to customers.
- Adhere to office timings and maintain confidentiality and professionalism in all interactions.
- Submit completed DSR to the respective Branch Manager by the end of each day, ensuring all details are accurate. Non-compliance with this requirement will be escalated.
Regular / Occasional Responsibilities
- Prepare and review Standard Credit Applications to ensure all information is accurate and that critical documents (e.g. Cheque, Bank Statement, Passport, Emirates ID, Salary certificate) are verified for authenticity before submission to Processing Unit (PU).
- Ensure all submitted applications are error-free and rectify any discrepancies.
- Follow the approval process and escalate any delays to the Branch Manager/Operations Support Manager (BM/OSM).
- Execute Murabaha contracts on behalf of the company and prepare files per checklist requirements, ensuring card allocation is forwarded for issuance within 24 hours of customer sign-off.
- Monitor finance disbursement and alert BM/OSM in case of any delays.
- Maintain good rapport with inter-department peers to facilitate a smooth business flow.
- Participate in promotional activities as assigned by BM/OSM or line manager.
- Cross-sell other banking products on a best-efforts basis when appropriate.
- Immediately escalate customer complaints to a supervisor if they arise.
Specialist Skills / Technical Knowledge Required for this Role
- Broad knowledge of the company's Personal Finance and other Retail Banking Group (RBG) products and services.
- Good understanding of service standards, sales skills, and computer skills.
- Knowledge of UAE banking practices, regulations, and associated risks.
- Thorough understanding of regulations issued by the Central Bank of UAE.
- General awareness of competitors in the local market.
