وصف الوظيفة
Role Overview
Senior Personal Banker - Loan DST at Mashreq, Dubai.
Role Purpose
Drive sales growth across personal banking products and services by prospecting targeted customer segments, managing relationships, and delivering ethical, compliant service that meets customer needs and bank standards.
Key Responsibilities
Sales & Business Development
- Achieve monthly sales targets in the financial year.
- Prospect in targeted segments through phone calls and face-to-face visits that meet established standards.
- Present and sell all personal banking products and services to potential customers in an ethical, structured, and professional manner.
- Handle customer objections with the goal of securing purchase decisions or company payroll transfers.
- Conduct micro marketing activities including kiosk activities and direct marketing campaigns.
Relationship & Portfolio Management
- Relationship manage an approved company portfolio where required by developing key contacts and relationships.
- Assist staff and customers in achieving their financial goals and objectives.
- Provide courteous and friendly service while keeping accurate promises within bank service delivery standards.
Operations & Compliance
- Ensure end-to-end customer turnaround time is met for all submitted applications with quality adherence as per target guidelines.
- Maintain strict compliance with bank policy regarding products, customer KYC, FATCA, AML CTF, and third-party channel interactions.
- Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
- Possess complete product and policy information to support accurate customer guidance.
Governance & Ethics
- Ensure the highest ethics, standards, and integrity are followed in all activities.
- Immediately escalate any suspected or actual breaches to Senior Management and Governance as required.
Team Engagement
- Participate in all team activities including morning huddles, training and coaching sessions, mandatory compliance and fraud trainings, and Lean and rewards celebrations.
Qualifications & Experience
- Any discipline with 2 years of sales experience.
Skills & Competencies
- Confidence, persistence, and strong personality.
- Excellent verbal and written communication.
- Basic knowledge of retail banking products, service policies, and processes.
- Understanding of individual customer financial circumstances and needs analysis.
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