Branch Sales Executive - Al Ain Region (Outsource Role)

Role Overview

Branch Sales Executive - Al Ain Region (Outsource Role) at ADIB, based in Al Ain.

Role Purpose

Source Personal Finance applications from the local market. All sourced business must be within ADIB permitted policy and procedure.

Key Responsibilities

Sales and Business Development

• Source New to Bank Personal Finance, Covered Cards, Auto and Takaful products to the specified target segment and achieve or exceed the assigned target.
• Visit potential companies and institutions to finalize business deals within the targeted turnaround time based on ADIB policy and procedure, and provide feedback to RSS.
• Create and maintain good relationships with all business entities and individuals where business is sourced.
• Initiate cross-sell of other banking products on best efforts basis when required.

Daily Operations and Reporting

• Prepare and maintain DSR (Daily Sales Report) for the entire visited customers and company visits.
• Submit DSR to the respective Branch Manager by end of day with complete details.
• Adhere to stipulated office timing, follow secrecy norms strictly, maintain data confidentiality, and be presentable.

Service Delivery

• Maintain full awareness of product knowledge and implement it at all times.
• Deliver timely and prompt service to customers.
• Maintain good rapport with inter-department and peers to ensure smooth flow of business.

Credit Applications and Documentation

• Prepare and review Standard Credit Applications and ensure all information provided is accurate and authentic.
• Verify authenticity of critical documents prior to sending to PU for processing, including Cheque, Copies of Bank Statement, Passport, Emirates ID, and Salary certificate.
• Ensure all submitted applications are error-free and rectify errors as needed.

Process Execution and Escalation

• Follow the approval process and escalate any delays to BM/OSM.
• Execute Murabaha contract with the customer representing ADIB and prepare the file according to the checklist.
• Forward card allocation for card issuance through coordinators within 24 hours of completing signing formalities with customer.
• Check Finance disbursement and notify the BM/OSM in case of delay.
• Ensure that non-compliance is observed and escalated as required.
• Escalate customer complaints to supervisor level immediately if any arise.

Additional Duties

• Participate in activities assigned by BM/OSM or line manager during promotions.

Skills & Competencies

• Broad knowledge of ADIB's Personal Finance and other RBG products and services.
• Fair knowledge of service standards, sales skills, and computer skills.
• Good knowledge of UAE banking practices, regulations, and risks.
• Thorough knowledge of all regulations issued by Central Bank of UAE.
• General awareness of competitors in the local market.