Branch Sales Executive - Sharjah and NE Region (Outsource)

Role Overview

Branch Sales Executive - Sharjah and NE Region (Outsource) at ADIB, based in Sharjah.

Role Purpose

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

Key Responsibilities

Sales & Business Development

• Source new-to-bank Personal Finance products to the specified target segment and achieve or exceed assigned targets.
• Visit potential companies and institutions to finalize business deals within the targeted turnaround time based on ADIB policy and procedure.
• Create and maintain good relationships with all business entities and individuals from which business is sourced.
• Initiate cross-sell of other banking products on a best efforts basis when required.
• Provide feedback to RSS following customer and company visits.

Reporting & Documentation

• Prepare and maintain Daily Sales Reports (DSR) for all visited customers and company visits.
• Submit DSR to the respective Branch Manager by end of day with complete details.
• Prepare and review Standard Credit Applications, ensuring all information is accurate and authenticating critical documents (cheques, copies of bank statements, passports, Emirates IDs, salary certificates, etc.) prior to sending to PU for processing.
• Ensure all submitted applications are error-free and rectify any errors identified.

Product & Service Delivery

• Maintain full awareness of product knowledge and implement it at all times.
• Deliver timely and prompt service to customers.
• 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 customers.
• Check Personal Finance disbursements and notify BM/OSM in case of delays at Card Center end.

Compliance & Governance

• Adhere to stipulated office timing, follow secrecy norms strictly, and maintain data confidentiality.
• Maintain a professional appearance.
• Ensure non-compliance is observed and escalated as required.
• Follow the approval process and escalate delays to BM/OSM if necessary.

Stakeholder Management

• Maintain good rapport with inter-department colleagues and peers to ensure smooth flow of business.
• 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.
• Good knowledge of UAE banking practices, regulations, and risks.
• Thorough knowledge of all regulations issued by Central Bank of UAE.
• Fair knowledge of service standards and sales skills.
• Fair knowledge of computer skills.
• General awareness of competitors in the local market.

Additional Information

• This is an outsourced position.