Retail Banking Officer - Credit Cards (UAE Nationals)

About the Role
In line with the UAE Government’s strategy to empower and develop nationals, the company is committed to welcoming the young generation into an innovative and supportive work environment to contribute to the nation's success. As a Retail Banking Officer – Credit Card, you will support the bank’s credit card business by identifying and assisting potential new customers. This position reports to the Sales Manager and is primarily an individual contributor role. You will explain products clearly, collect accurate customer information and supporting documents, follow applications through the process, and keep customers informed. You will also assist with payroll acquisition through account openings and identify suitable cross-selling opportunities through approved channels. Experience in banking is not required, as you will receive extensive training in products, systems, sales, and compliance before working independently.

Responsibilities

• Build a pipeline of prospective credit card customers through approved channels, referrals, campaigns, and direct outreach, including employer relationships, company campaigns, and kiosks.
• Understand customer needs and clearly explain credit card features, eligibility, pricing, fees, benefits, and key obligations.
• Work toward assigned sales and conversion targets while prioritizing customer suitability, fair treatment, and application quality.
• Collect and verify customer information and supporting documents, submit complete applications, and follow up through to the outcome with credit, operations, fulfillment, and service teams.
• Keep customers informed, answer routine questions, and promptly escalate complaints or issues.
• Support payroll acquisition through employer engagement and employee account opening, including collecting required documents, submitting complete applications, and coordinating account-opening and salary-transfer follow-up through approved channels.
• Identify suitable cross-sell opportunities among payroll and other customers, explain relevant banking products based on their needs and eligibility, 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. Product assignment may change after the required training and certification.
• Respect role boundaries: do not make credit approval decisions or promise approval, pricing, limits, valuation results, or completion dates. Sales targets must never override customer suitability, fair treatment, document quality, or bank and regulatory requirements.

Qualifications

• A high school diploma is the minimum qualification; a bachelor’s degree or equivalent recognized qualification is also accepted.
• Previous banking experience is not required. Experience in customer service, sales, internships, projects, or extracurricular activities 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 a willingness to learn.
• Integrity, respect for confidentiality, and confidence to raise concerns about potential issues.

Benefits

• Join one of the region’s most recognizable brands and a leader in banking innovation.
• Opportunity for professional development to accelerate your career.
• Extremely competitive rewards, benefits, and perks, including a flexible work policy that allows you to work from home.

This is a fantastic opportunity to start your career in banking within a supportive and dynamic organization.