Branch Sales Executive - East Coast Area (Outsource Role)

Role Overview

Branch Sales Executive - East Coast Area (Outsource Role) with ADIB, based on the East Coast (Fujairah / Ras Al-Khaimah).

Role Purpose

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

Key Responsibilities

Sales & 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.
• Initiate cross-sell of other banking products on a best efforts basis when required.
• Create and maintain good relationships with all business entities and individuals from which business is sourced.

Daily Operations & Reporting

• 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.
• Maintain full awareness of product knowledge and implement it at all times.
• Deliver timely and prompt service to customers.
• Adhere to stipulated office timing, follow secrecy norms strictly, maintain data confidentiality, and maintain a presentable appearance.

Application Processing & Compliance

• Prepare and review Standard Credit Applications, ensuring all information provided is accurate and that the authenticity of critical documents is verified (Cheque, Copies of Bank Statement, Passport, Emirates ID, Salary Certificate, etc.) prior to sending 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.
• Execute Murabaha contracts with customers representing ADIB and prepare files according to the checklist.
• Forward card allocation for card issuance through coordinators within 24 hours of completing signing formalities with the customer.
• Check Finance disbursement and notify BM/OSM in case of delay.
• Observe compliance with all requirements; non-compliance will be escalated.

Stakeholder & Relationship Management

• Maintain good rapport with inter-department peers by ensuring smooth flow of business.
• Escalate customer complaints to the supervisor level immediately if any arise.
• Participate in activities assigned by BM/OSM/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.

Additional Information

• Contract type: Outsource Role.