Branch Sales Executive - AUH East & Al Dhafra Region (Outsource Role)

Role Overview

Branch Sales Executive – AUH East & Al Dhafra Region (Outsource Role) at ADIB, Abu Dhabi.

Role Purpose

Source Personal Finance Applications from the local market, with all sourced business conducted within ADIB permitted policy and procedure.

Key Responsibilities

Sales & Target Achievement

• Source New to Bank Personal Finance, Covered Cards, Auto & 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.
• Initiate cross-sell of other banking products on best efforts basis when required.

Relationship Management

• Create and maintain good relationships with all business entities and individuals from which business is sourced.
• Deliver timely and prompt service to customers.
• Maintain good rapport with inter-department colleagues and peers to ensure smooth flow of business.

Reporting & Documentation

• Prepare and maintain DSR (Daily Sales Report) for all visited customers and company visits.
• Submit DSR to the respective Branch Manager by end of day with complete details.

Product Knowledge & Compliance

• Maintain full awareness of product knowledge and implement it at all times.
• Adhere to stipulated office timing, follow secrecy norms strictly, maintain data confidentiality, and remain presentable.
• Ensure compliance with all responsibilities; non-compliance will be escalated.

Application Processing

• Prepare and review Standard Credit Applications and ensure all provided information is accurate and authentic, including critical documents (cheques, copies of bank statements, passports, Emirates ID, salary certificates, etc.) prior to submission to PU for processing.
• Ensure all submitted applications are error-free and rectify any errors identified.
• Follow the approval process and escalate any delays to BM/OSM.

Contract Execution & Disbursement

• Execute Murabaha contracts with customers representing ADIB, prepare the file according to checklist, and forward card allocation for card issuance through coordinators within 24 hours of completing signing formalities with customer.
• Check finance disbursement and notify BM/OSM in case of delay.

Customer Service & Escalation

• Escalate customer complaints to supervisor level immediately if any arise.
• 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.