Sales Executive - Auto Loans

Role Overview

Sales Executive - Auto Loans at First Abu Dhabi Bank (FAB), promoting auto loans and cross-selling FAB products within an assigned business territory through field sales against set financial targets.

Role Purpose

Achieve or exceed agreed auto loans sales targets to build a new customer base for FAB while promoting auto loans in the assigned area and maintaining effective business relationships with customers.

Key Responsibilities

Sales & Target Achievement

• Achieve or exceed agreed auto loans sales targets to build new customer base for FAB.
• Promote the sales of auto loans in assigned area or work.
• Capitalize on cross-selling opportunities to promote other FAB products.
• Recommend customer applications that are considered good credit risk and in accordance with FAB policy.

Customer & Relationship Management

• Build and maintain effective business relationships with customers.
• Ensure high level of customer service while handling business proceedings.
• Maintain effective business relationships with all branches and internal departments.
• Maintain effective relationships with teammates and supervisors.
• Handle routine problems and complaints professionally, escalating only minimal significant issues to Team Leader.
• Do not argue with customers and do not give commitments to any customer.

Sales Operations & Documentation

• Ensure submitted customer applications and documentations are complete and error free.
• Follow up on document discrepancies that have been approved as deferrals.
• Minimize errors and act upon them for correction and re-submission if necessary.
• Ensure that product information shared with the customer is accurate.
• Provide sales MIS to Team Leader on regular basis.
• Provide Sales DSR to Sales Manager on regular basis.

Market & Customer Feedback

• Provide ongoing customer and market feedback to Team Leader to improve business.
• Be aware of competition and suggest changes for product improvements.

Compliance & Risk Management

• Adhere to code of conduct and ethics while performing required duties, especially while conducting authentications of KYC documents.
• Adhere to the Standard Operating Procedures, Policies and Service Standards of the bank.
• Be vigilant on identifying fraudulent activities and unethical incidents while handling business requirements; address any concerns to Line Manager immediately.

Field Activities

• Assist in conducting promotional activities, meetings and road shows in the assigned area to achieve budgeted sales volumes.

Additional Duties

• Perform duties of Team Leader in his absence if assigned so.

Qualifications & Experience

Essential

• High school diploma.
• Minimum 1 to 2 years' experience in selling banking products or in a financial industry.

Preferred

• Bachelor's degree in business administration, Finance, Banking or a related major field of study.
• Experience in selling banking products.

Skills & Competencies

• Service excellence and good knowledge of FAB retail products.
• Strong sales skills.
• Good convincing and negotiating skills in view of complexity in the relevant product.
• Customer obsessed mindset.
• Proactive approach.
• Competitive awareness and benchmarking.
• Multicultural awareness.
• Adherence to policies, processes, and procedures both internally and externally.
• Customer sales targets management.
• Client satisfaction index achievement.