Sales Executive - Auto Loans

Role Overview

Sales Executive - Auto Loans at First Abu Dhabi Bank (FAB), based in Abu Dhabi. The role involves field sales of Auto Loans and cross-selling other FAB products within an assigned business territory against set financial targets.

Role Purpose

Promote Auto Loans and cross-sell FAB products within an assigned business territory through field sales activities, while building a new customer base and achieving agreed sales targets.

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.
• Capitalize on cross-selling opportunities.
• Recommend customer applications which are considered good credit risk and as per FAB policy.

Customer Relationship Management

• Build and maintain effective business relationships with customers.
• Maintain effective business relationships with all branches and internal departments.
• Maintain effective relationships with teammates and supervisors.
• Ensure high level of customer service while handling business proceedings.
• Handle routine problems and complaints professionally, escalating only minimal significant issues to Team Leader.
• Refrain from arguing with customers and from giving commitments to any customer.

Sales Operations & Documentation

• Ensure submitted customer applications and documentation are complete and error-free.
• Follow up on document discrepancies which have been approved as Deferrals.
• Minimize errors and act upon them for correction and re-submission if needed.
• Ensure that product information shared with customers is accurate.
• Adhere to the Standard Operating Procedures, Policies and Service Standards of the bank.

Reporting & Feedback

• Provide sales MIS to Team Leader on regular basis.
• Provide Sales DSR to Sales Manager on regular basis.
• Provide ongoing customer and market feedback to Team Leader to improve business.

Promotional Activities

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

Compliance & Risk Management

• Adhere to code of conduct and ethics while performing required duties, especially during Authentication of KYC documents.
• Identify fraudulent activities and unethical incidents while handling business requirements and address concerns to Line Manager immediately.

Market & Product Awareness

• Monitor competition and suggest changes for product improvements.
• Demonstrate good convincing and negotiating skills given the complexity of the relevant product.

Additional Duties

• Perform duties of Team Leader in their absence if assigned.

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 field of study.
• Experience in selling banking products.

Skills & Competencies

• Service excellence and good knowledge of FAB retail products.
• Strong sales skills.
• Adherence to policies, processes and procedures both internally and externally.
• Competitive awareness and benchmarking.
• Multicultural awareness.
• Customer obsessed mindset.
• Proactive approach.
• Customer sales targets management.
• Client satisfaction index focus.