Senior Personal Banker.Injaz - RBG - Loan DST - DXB.Retail Banking Group

Role Overview

Senior Personal Banker at Mashreq, Injaz - RBG - Loan DST, Dubai. Retail Banking Group.

Company Overview

Mashreq operates in a competitive, dynamic, volatile and regulated business environment with low entry/exit barriers.

Role Purpose

To achieve monthly sales targets by prospecting targeted segments, presenting and selling personal banking products and services to potential customers in an ethical and professional manner, while maintaining strict compliance with Bank policies and the highest standards of customer service and integrity.

Key Responsibilities

Sales & Business Development

• Achieve monthly sales targets in the financial year.
• Prospect in targeted segments that require meeting standards in phone calls and face-to-face visits.
• Present and sell all personal banking products and services to potential customers in an ethical, structured and professional manner.
• Handle objections with a view to getting the customer to buy or company to transfer payroll.
• Conduct micro marketing activities that include Kiosk activities and other direct marketing activities.

Relationship Management

• Relationship manage a portfolio of approved companies by developing key contacts and relationships where required.
• Assist staff and customers in achieving their goals and objectives.
• Honestly assist the customer in achieving objectives through courteous and friendly service and accurate promise keeping within the service delivery standards set by the bank.

Compliance & Governance

• Ensure strict compliance with the Bank's policy with regards to product, customer KYC, FATCA, AML CTF and third-party channel interactions.
• Ensure the highest ethics, standards and integrity are followed and immediately escalate any suspected or actual breaches to Senior Management and Governance as may be required.

Operations & Reporting

• Ensure End-To-End customer turnaround time is met for all applications submitted with quality adherence as per target guidelines.
• Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
• Have complete product and policy information to ensure necessary documents are provided by the customer before submission to ensure smooth turnaround time.

Team Engagement

• Participate in all Team Activities like morning huddles, training and coaching, complete mandatory compliance and fraud trainings, Lean and rewards celebrations.

Qualifications & Experience

• Any discipline with 2 years sales experience.

Skills & Competencies

• Confidence, persistence and strong personality.
• Verbal and written communication skills.
• Basic knowledge of products, service policies and processes of Retail Banking.
• Understanding of customers' individual financial circumstances.

Additional Information

• Works in an environment of daily reporting with six days working.
• Must effectively and actively liaise with superiors and direct reports within the business unit to achieve business objectives.
• Must operate within well-defined and demarcated business areas and adhere to the policies and guidelines set out in the Bank's Credit Policy Manual.