About the Role
In line with the UAE Government’s strategy to empower and develop nationals, we are committed to welcoming the young generation into an innovative, modern, and supportive work environment to contribute to the nation's success. As a Retail Banking Officer – Auto Loan, you will support growth in the bank’s auto loan business by acquiring suitable customers through approved channels and coordinating applications from initial enquiry to outcome. Reporting to the Sales Manager and based in the UAE, you will work as an individual contributor, understanding customer needs, explaining financing terms, collecting complete documentation, and keeping customers informed. You will work towards assigned sales and conversion targets while maintaining customer suitability, application quality, and compliance. No previous banking experience is required; comprehensive training will be provided before you work independently.
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Responsibilities
- Develop and maintain a pipeline of suitable auto loan prospects through approved dealerships, vehicle sales channels, referrals, campaigns, and direct outreach.
- Maintain and strengthen relationships with auto dealers and identify and propose new dealers for empanelment.
- Understand customers’ vehicle financing needs and clearly explain product features, eligibility, financing structure, down payment, pricing, fees, and key obligations.
- Work towards assigned sales and conversion targets through consistent prospecting and follow-up, without compromising customer suitability, fair treatment, or application quality.
- Collect and check customer, vehicle, and dealership information and documents; submit complete applications; and coordinate with credit, operations, insurance, and disbursement teams through to each case’s outcome.
- Keep customers informed of application progress and outstanding requirements, answer routine questions accurately, and promptly escalate complaints or issues.
- Identify suitable opportunities for other banking products and make referrals through approved channels.
- Follow all know-your-customer (KYC), anti-money laundering (AML), sanctions, fraud-prevention, data privacy, and customer-consent requirements.
- Maintain accurate lead, activity, and application records, and complete mandatory training and certifications.
- Operate within role boundaries: do not make credit approval decisions or promise approval, pricing, limits, valuation results, or completion dates. Product assignment may change after the required training and certification.
Qualifications
- High school diploma as a minimum, or a bachelor’s degree or equivalent recognized qualification.
- No previous banking experience is required. Customer service, sales, internships, projects, or extracurricular experience can be helpful.
- Clear spoken and written communication, with the confidence to approach customers and explain information accurately.
- Comfort with basic calculations, digital forms, email, and data entry.
- A responsible, organized, and customer-focused approach, with attention to detail and willingness to learn.
- Integrity, respect for confidentiality, and confidence to raise concerns when something does not look right.
Benefits
- Join one of the region's most recognizable brands and a leader in banking innovation.
- Opportunities for professional development and career acceleration.
- Competitive rewards, benefits, and perks, including a flexible work policy for remote working when suitable.
