Sales Officer - Business Banking Liabilities

Join our dynamic team at RAK Bank as a Sales Officer specializing in Business Banking Liabilities. In this role, you will be responsible for driving sales initiatives, fostering client relationships, and enhancing our product offerings. Your expertise will help us meet the financial needs of our clients while contributing to the overall growth of our business banking segment.

As a Business Banking Relationship Officer, you will be the first point of contact for customers, handling both inbound and outbound communications through calls, chats, and emails. Your primary responsibility will involve addressing inquiries, resolving account-related issues, and providing detailed information about our products and services.Your role will include engaging with customers to identify their financial needs, enabling you to effectively cross-sell our banking products and services that best meet their requirements. You will also be responsible for reporting any suspected fraudulent transactions in accordance with established fraud detection protocols.In addition, you will work to manage and de-escalate customer frustrations or complaints, demonstrating empathy and patience while striving for satisfactory resolutions. Adhering strictly to security and compliance guidelines, you will ensure the confidentiality and integrity of customer information and transactions.Collaboration with team members and other departments will be essential in addressing customer issues and enhancing overall service delivery. Staying informed about banking products, policies, and procedures will empower you to provide accurate and up-to-date information to customers.You will document all customer interactions accurately in our designated systems, maintaining detailed records for future reference. Your commitment to exceptional service delivery will be key in enhancing customer satisfaction and loyalty.To succeed in this role, you will be expected to achieve monthly sales targets through effective cross-selling and closing of sales, as well as provide valuable market feedback on competition and suggestions for product improvement.This role demands personalized service, where you will efficiently gather customer information, assess their needs, and educate them accordingly, while capturing and reporting customer feedback for continual product development. It is essential to follow all bank procedures and processes with full adherence to BCP steps, ensuring differentiation between Conventional and Islamic calls based on customer preferences.

Key ResponsibilitiesWork collaboratively with Relationship Managers to provide timely and insightful feedback that drives business objectives.Engage in sales with the highest level of integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries, guaranteeing resolution within established turnaround times (TATs).Prepare and submit accurate applications, maintaining a 100% accuracy rate in all documentation.Facilitate effective collaboration with internal teams to ensure seamless processing of applications.Comply with HR policies, organizational standards, and the professional Code of Conduct.Adhere to Service Level Agreements (SLAs) and TATs as specified in operational guidelines.Effectively manage individual claw backs, ensuring they align with the organization’s financial targets for the fiscal year.QualificationsSolid understanding of banking and insurance products, including RAK Bank offerings and those of competing institutions.Strong sales and service orientation.Exceptional communication, persuasion, and interpersonal skills.Ability to identify cross-selling opportunities across various banking divisions for Bancassurance products.Experience in managing and overseeing Point of Sales loans and Business loans.Collaborate with external agencies such as Network International.

Your Role:Work closely with Relationship Managers to provide timely, insightful feedback that aligns with our business objectives.Engage in sales activities with the highest level of integrity and professionalism, ensuring transparency in every client interaction.Respond swiftly to customer inquiries, guaranteeing solutions are delivered within specified turnaround times (TATs).Accurately submit applications and maintain 100% documentation accuracy.Facilitate effective collaboration with internal teams for smooth application processing.Adhere strictly to HR policies, organizational standards, and the professional Code of Conduct.Ensure compliance with Service Level Agreements (SLAs) and TATs as outlined in operational guidelines.Strategically manage clawbacks to remain within the organization's financial targets for the year.

Key ResponsibilitiesWork closely with Relationship Managers to provide timely and strategic feedback that aligns with business objectives.Execute sales with the highest level of integrity and professionalism, ensuring transparency in all client interactions.Respond swiftly to customer inquiries, ensuring resolutions are achieved within established turnaround times (TATs).Deliver applications with meticulous attention to detail, achieving 100% accuracy in documentation.Facilitate collaboration with internal teams to ensure the efficient processing of applications.Comply with HR policies, organizational standards, and the Code of Conduct.Uphold compliance with Service Level Agreements (SLAs) and TATs as specified in operational protocols.Strategically manage individual clawbacks to stay within the organization’s defined financial targets for the year.QualificationsIn-depth knowledge of banking and insurance products, specifically RAK Bank and competitive offerings from other financial institutions.Sales and service-oriented mindset.Exceptional communication, persuasion, and interpersonal skills.Ability to identify cross-sell opportunities across different business divisions for Bancassurance products.Experience in managing and overseeing Point of Sales loans and Business loans.Collaboration experience with agencies such as Network International.

Job OverviewThe Assistant Relationship Manager plays a pivotal role in nurturing and expanding a diverse portfolio of Business Banking Liabilities. This position is fundamental in achieving and surpassing set sales and service objectives while adhering to acceptable risk parameters as outlined in our policy guidelines. Success in this role hinges on exemplary client acquisition, relationship management, and efficient service delivery.Key ResponsibilitiesIdentify and cultivate new liability and transactional business accounts to ensure significant portfolio expansion.Collaborate across different departments to enhance cross-selling prospects.Consistently meet and exceed financial targets.Ensure compliance with the Bank’s regulatory and compliance standards.Follow established processes and controls in alignment with Bank policies.Manage and grow a portfolio of Business Liability clients, emphasizing low-cost transactional funds.Stimulate business growth through the acquisition of new business customers.

Join our dynamic team as a Business Development Officer specializing in Outbound Sales at First Abu Dhabi Bank. In this role, you will drive business growth by identifying new opportunities, building relationships with clients, and leveraging our unmatched portfolio of financial products. We are looking for a motivated individual who is passionate about sales and committed to delivering exceptional service to our clients.

Your Role and ResponsibilitiesWork collaboratively with Relationship Managers to provide insightful feedback that aligns with our business objectives.Engage in sales activities with integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries and requests, guaranteeing resolution within defined turnaround times (TATs).Prepare and submit applications with meticulous attention to detail, maintaining a 100% accuracy rate.Coordinate with internal teams to ensure seamless processing of applications.Comply strictly with HR policies, organizational guidelines, and the professional Code of Conduct.Adhere to Service Level Agreements (SLAs) and TATs as specified in operational protocols.Proactively minimize individual clawbacks, ensuring they remain within the company’s targets for the financial year.Qualifications for SuccessSolid understanding of banking and insurance products, particularly those offered by RAK Bank and competitor banks.Sales and service-oriented mindset.Exceptional communication, persuasion, and interpersonal skills.Adept at identifying cross-sell opportunities within other business divisions for Bancassurance products.Experience in managing Point of Sales loans and Business loans.Ability to collaborate effectively with external agencies, such as Network International.

Job Purpose:The Small and Medium Enterprises (SME) sector is crucial for the economic vitality of the UAE, especially in the dynamic Dubai market, representing a significant portion of the business landscape. As globalization enhances connectivity, SMEs are evolving to become more international in their endeavors. First Abu Dhabi Bank (FAB) is well-positioned to cater to the diverse needs of these businesses by strengthening our support for domestic SMEs.The selected candidate will develop a personalized self-improvement plan, in collaboration with their Line Manager, and strive to meet established goals. They will actively seek out best practices from peers and participate in training sessions as directed by management. A key responsibility will be to effectively assess and address customer needs and opportunities, both within the existing client base and among prospective clients.Furthermore, the role aims to uphold best practices in key account management and risk policies to align with FAB standards.Relationship Management Responsibilities:Attracting new high-value clients and enhancing existing relationships to grow the bank's liability portfolio and increase revenue.Engaging deeply with clients to understand and enhance their banking experiences.Assessing client requirements to augment the bank’s share of wallet.Cross-selling and upselling bank products and services to maximize revenue generation.Boosting sales volume and market share in targeted sectors.Ensuring timely responses and efficient turnaround times for customer inquiries and business application processes.Negotiating with internal stakeholders to tailor pricing structures for GM and Cash products according to client needs.Establishing a robust customer-centric approach to maintain a significant competitive advantage.Increasing high-end market share and quality business within assigned segments.Building and nurturing strong rapport with customers by providing expert guidance on their financial needs and promoting the bank’s offerings effectively.Delivering accurate and timely information about products and highlighting benefits relevant to their businesses.Keeping clients informed about new products and services.Proactively sourcing new business opportunities and pursuing sales leads within designated market segments.Scheduling timely client visits to introduce GTB and GM partners.Identifying and forwarding sales leads to other bank departments for cross-selling opportunities.Collaborating with product managers and specialists to promote the bank’s offerings.Risk Management Responsibilities:Ensuring timely updates of KYC documentation.Collaborating closely with internal teams to manage compliance, operational, and credit risk exposures as necessary.Preparing Credit Applications (CA), analyzing financial statements, and facilitating approvals.

Your RoleWork collaboratively with Relationship Managers to provide timely and insightful feedback that supports the achievement of business objectives.Engage in sales activities with the highest level of integrity and professionalism, ensuring transparency in all customer interactions.Respond swiftly to customer inquiries, guaranteeing resolution within established turnaround times (TATs).Ensure accuracy by submitting error-free applications and maintaining 100% correctness in all documentation.Facilitate smooth processing of applications by coordinating effectively with internal teams.Follow HR policies, organizational guidelines, and uphold the professional Code of Conduct at all times.Comply with Service Level Agreements (SLAs) and TATs as specified in operational procedures.Strategically limit individual claw backs to stay within the organization’s defined targets for the financial year.Qualifications We SeekA solid understanding of banking and insurance products, including RAK Bank offerings and competitive products from other banks.A strong sales and service orientation.Outstanding communication, persuasion, and interpersonal skills.Ability to identify cross-sell opportunities for Bancassurance products across various business divisions of the bank.Experience managing and overseeing Point of Sales loans and Business loans.Collaboration with agencies such as Network International is a plus.

About the RoleIn the position of Virtual Relationship Manager, you will oversee a diverse portfolio of customer relationships, ensuring that clients receive exceptional service and bespoke financial solutions tailored to their unique needs. Acting as the primary point of contact, you will provide expert advice, resolve issues, and cultivate enduring relationships with clients.Key ResponsibilitiesMeet and exceed sales and service targets while managing risk effectively.Conduct regular assessments of customer portfolios to uncover business opportunities and promote relevant financial products.Foster and maintain strong client relationships, delivering service that aligns with their expectations.Offer specialized advice and resolve customer inquiries to enhance satisfaction.Execute all tasks meticulously, complying with banking policies and regulatory standards.Work collaboratively with internal teams, including compliance, operations, and business support, to optimize processes.Uphold professionalism and integrity, adhering to the Staff Code of Conduct.

Core Responsibilities:Develop, implement, and sustain a comprehensive Business Knowledge calendar.Facilitate orientation sessions for new hires to ensure a smooth onboarding process.Identify training needs through regular staff interactions, performance reviews, and analysis of support tools.Design and conduct training programs for various roles including Tellers, Customer Service Officers, and Business Development Officers.Collaborate with internal and external subject matter experts to create relevant training programs.Work with management to assess training requirements and develop engaging training materials aligned with our Sales and Distribution strategy and FAB branding.Continuously explore and suggest innovative training methods, techniques, and programs.Plan and coordinate training schedules, including logistics such as venue arrangements, invitations, and attendance tracking.Maintain attendance records and feedback reports, aiming to enhance overall training satisfaction.Foster strong business partnerships across various departments.Ensure comprehensive training on products, policies, and systems for all staff.Conduct refresher training sessions as necessary.Organize workshops and drop-in clinics as needed.Develop virtual assessments to evaluate staff knowledge.Conduct site visits to promote engagement with digital initiatives.Manage live campaigns and refreshers to keep current initiatives active.Provide ongoing knowledge support and guidance to staff via email, calls, and MS Teams.Compile and distribute monthly Business Knowledge management information systems (MIS) reports.Other duties may be assigned as required.

JOB PURPOSE:As a Business Loans Relationship Officer, you will play a crucial role in achieving and surpassing both monthly and annual sales targets. You will focus on acquiring new customers while also nurturing existing relationships within the bank. Conduct thorough analyses of customer cases and provide comprehensive information following field visits. Familiarize yourself with all bank policies, products, and processes to deliver an outstanding client onboarding experience. Proactively engage in learning and development programs to enhance your sales capabilities and ensure compliance with KYC and other regulatory policies.KEY ACCOUNTABILITIES:Financial:Meet the established sales and revenue objectives for all products as outlined in the business plan.Achieve monthly and annual KPI targets.Focus on acquiring new customers while leveraging the existing client base.Maximize cross-selling opportunities to increase revenue per customer.Maintain daily sales reports for review by team leaders and managers.Customer Service:Consistently prioritize customer satisfaction by providing excellent service and ensuring a seamless onboarding experience.Possess in-depth knowledge of products, policies, and processes to enhance customer interactions.Ensure transparent communication to prevent mis-selling and adhere to customer needs.Address and resolve customer inquiries and escalate issues as needed for timely resolution.Learning & Growth:Engage in assigned training and development initiatives to enhance skills.Stay aware of competitive offerings and provide feedback to management for product enhancement.Internal Processes:Ensure compliance with all operational processes and policies.

Product DevelopmentDevelop and launch innovative products and variations that enhance our existing offerings, ensuring they integrate smoothly within the RAKBANK portfolio.Initiate and oversee product promotions and marketing campaigns, working closely with cross-functional teams to implement necessary system improvements for successful product launches.Lead cross-selling initiatives in Business Banking across diverse channels, ensuring prompt execution and monitoring of sales targets.Create essential business documentation including product proposals, legal contracts, training materials, and marketing communications.Processes & SystemsMaintain a strong system infrastructure to support product launches, promotions, and campaigns.Design and implement efficient processes with integrated controls and comprehensive management reporting capabilities.Collaborate with stakeholders to revise operational procedures in response to changing business needs.Identify and address critical system and process requirements crucial for business expansion, aligning with advancements across key banking platforms (IVR, Core Banking, Digital Banking, etc.).Portfolio Reporting & MISDevelop both automated and manual reporting systems to monitor portfolio performance, including book movements, utilization rates, and risk assessments.Prepare and submit monthly reports on schedule, tracking downgraded accounts and obtaining necessary approvals for extensions.Generate ad-hoc MIS insights to identify opportunities, evaluate portfolio risks, and support timely decision-making.Create strategic reports to assess product performance, process efficiency, and campaign effectiveness, aiding senior management in strategic planning.

What You Will Be DoingConsistently meet and exceed assigned sales targets, directly contributing to the overall business objectives of RAKBANK.Remain updated on competitor product offerings and provide insights for enhancing current processes.Deliver timely updates to the Relationship Manager regarding business targets and achievements.Ensure compliance with all service standards established by Protego/Bank, maintaining exceptional customer satisfaction.Conduct the sale of insurance products with a strong commitment to integrity, transparency, and good faith.Process all customer requests promptly and accurately within the defined turnaround time (TAT).Maintain a zero-error standard in sales and service delivery to meet quality benchmarks.Actively seek cross-selling opportunities within the existing Protego customer base.Achieve renewal conversion rates in line with business objectives.What You Should HaveFamiliarity with banking regulatory frameworks, policies, and confidentiality standards.Strong negotiation and interpersonal skills.A proactive approach to contributing to business continuity.

Lead the team in generating new business opportunities to meet and exceed sales targets across both assets and liabilities.Engage in joint client meetings with team members to enhance business growth and establish new client relationships, alongside conducting daily team huddles and monthly performance assessments in line with established guidelines.Provide mentorship and support to team members by setting clear objectives, identifying developmental needs, and managing performance to reduce staff turnover while enhancing overall team performance.Strengthen and expand relationships with existing RAK elite/wealth management clients to increase revenue and share of wallet, while also evaluating the quality and profitability of both new and existing client portfolios.Ensure that the RAK elite/wealth management service standards are consistently met and maintained, with a commitment to sourcing only desirable business, while ensuring all team members complete their IS certification within the required timeframe.Deliver comprehensive information regarding IS products available on the platform, empowering customers to make informed decisions, and keep clients updated on current market trends and global economic policies, with a focus on providing exceptional customer service to drive satisfaction and retention.Prepare, recommend, and assess credit applications for various banking products, ensuring accurate documentation and timely disbursement, while managing a growing portfolio of relationships, liabilities, AUM, and assets.Advise clients on additional banking products, refer potential leads, and facilitate maximum conversions, while cross-selling various products to minimize customer attrition.Maintain thorough knowledge of the entire product and service range and stay updated on market developments both locally and globally.

ProgressSoft is seeking an experienced Business Development Officer (BDO) with a robust background in sales of banking and payment solutions, ideally with 5-10 years of experience. The successful candidate will have established relationships with major banks in the UAE and will oversee the entire sales cycle from initial outreach to contract signing and ongoing maintenance. The BDO will also conduct market analyses and foster strong connections with senior management in the banking and financial services sector.Key Responsibilities:Meet and exceed sales targets set by ProgressSoft.Develop and implement a comprehensive sales strategy for the UAE market aligned with ProgressSoft’s 2022-2026 strategic plan.Manage the complete sales process, collaborating with Product Owners, Project Managers, and Technical Team Leaders.Coordinate with various ProgressSoft teams to ensure effective customer engagement and understanding of their needs.Work closely with the Bidding Team to prepare documents and proposals that highlight business requirements and ProgressSoft’s capabilities.Negotiate contracts and proposals for solutions and ongoing maintenance.Utilize ProgressSoft’s CRM extensively to maintain and update client profiles.Conduct competitive analysis and prepare comparison sheets to position ProgressSoft favorably against competitors.Identify new market opportunities and develop strong distribution channels with prominent global, regional, and local firms.

Flatgigs is seeking a skilled Product Officer – Secured Lending for a distinguished client in the retail banking industry.This pivotal role is centered on the development, enhancement, and digital transformation of secured retail loan products, which encompass Personal Loans, Mortgage Loans, and Auto Loans.The successful candidate will play an integral part in product coordination, digital journey implementation, policy refinement, and monitoring portfolio performance. This will involve close collaboration with various internal teams such as technology, marketing, analytics, and sales.The ideal candidate should possess substantial experience in retail banking product teams, specifically in product lifecycle management, system implementations, and digital lending processes.

Job OverviewAs a Branch Sales Officer specializing in Life Insurance, you will cultivate and maintain strong relationships with our banking customers. Your primary focus will be on driving new business growth and maintaining a balanced product portfolio that aligns with customer needs. You will be tasked with meeting sales objectives, including 'Beyond Points', while ensuring consistent customer engagement. Delivering exceptional service while adhering to RAKBANK’s operational standards is paramount.Your ResponsibilitiesAccurately execute branch operations related to new business, ensuring a superior customer experience in line with established protocols.Actively promote and sell financial products to achieve set sales targets.Provide knowledgeable and professional guidance to customers, ensuring compliance with the Staff Code of Conduct.Assist in branch operations and complete additional tasks as assigned by your manager.Remain updated on the Business Continuity Plan (BCM) and participate in necessary training to mitigate potential disruptions.Develop and sustain strong relationships with both internal teams and customers to achieve business goals.Consistently uphold the Sales Governance Document and service excellence standards.Timely and accurately complete assigned sales tasks while providing high-quality customer service.Support new business processes under the guidance of your manager, ensuring adherence to policies and regulatory requirements.Promote a positive brand image by delivering excellent customer interactions and maintaining service quality.Continuously look for opportunities to grow professionally, collaborate effectively, and enhance efficiency.

aspora seeks a Founding Go-To-Market Specialist to help launch its Business Banking division in Dubai. This position plays a central role in shaping how the company approaches the market and connects with business clients. The focus is on creating strategies that help aspora's banking solutions stand out and reach the right customers. Key Responsibilities Develop and refine go-to-market strategies for business banking products Identify and prioritize target customer segments Collaborate with leadership to ensure offerings remain relevant and competitive Contribute to setting the direction for aspora's entry and growth in business banking Location This role is based in Dubai.