Virtual Relationship Officer - Emiratized Position

Your Role and ResponsibilitiesConsistently meet and exceed assigned objectives while contributing to overall business growth.Remain updated on competitor offerings and suggest improvements to enhance current processes.Provide timely updates to the Relationship Manager concerning business goals and performance metrics.Ensure compliance with all service standards established by Protego/RAKBANK, aiming for exceptional customer satisfaction.Execute the sale of insurance products with integrity, transparency, and in good faith.Process and address all customer inquiries within the specified turnaround time (TAT).Aim for zero errors in sales and service delivery to maintain quality benchmarks.Proactively identify and promote cross-selling opportunities within the existing Protego customer portfolio.Achieve renewal conversion rates in line with business objectives.

Your Role and ResponsibilitiesMeet and exceed assigned targets while actively contributing to the broader business goals.Analyze competitor offerings and suggest improvements to enhance operational processes.Provide timely updates to the Relationship Manager regarding performance against business objectives.Uphold service standards established by Protego and RAKBANK, ensuring exceptional customer satisfaction.Facilitate the sale of insurance products with integrity, transparency, and professionalism.Process customer requests promptly within the established turnaround times.Maintain impeccable accuracy in sales and service delivery to ensure quality assurance.Identify and promote cross-selling opportunities within the existing customer base of Protego.Achieve renewal conversion rates in line with business targets.

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.

 Job OverviewWe are on the lookout for a dedicated and customer-focused Senior Relationship Officer to join our dynamic team in Dubai. This pivotal role involves cultivating and nurturing strong relationships with clients while providing expert guidance on our banking products and life insurance solutions.Key Responsibilities:Establish and maintain robust customer relationships by delivering insightful advice on banking and insurance products, ensuring they align with client needs.Achieve and surpass sales targets with a strong emphasis on generating new business and managing a diverse product portfolio.Adhere strictly to all bank policies, regulatory requirements, and industry standards.Stay updated on competitor offerings and proactively participate in enhancing operational processes.Accurately process customer requests and applications within designated timelines.Collaborate effectively with Bancassurance Coordinators to facilitate seamless application processing.Maintain the bank's service excellence standards, human resources policies, and code of conduct.Maximize sales of Bancassurance products, particularly those with semi-annual or annual payment options.

Job Purpose:Achieve and surpass both monthly and annual sales targets.Drive market penetration by focusing on acquiring new clients as well as nurturing existing relationships.Conduct thorough analyses and provide comprehensive information about customers following field visits.Maintain up-to-date knowledge of all policies, products, and processes to deliver an exceptional onboarding experience for clients.Actively engage in learning and development programs offered by the bank to enhance sales proficiency.Strictly adhere to KYC and compliance policies, ensuring all processes are followed.Key Accountabilities:Financial:Meet established sales and revenue goals for all products as outlined in the business plan.Achieve both monthly and annual KPI objectives.Focus on acquiring new clients while maximizing opportunities within the existing client base.Utilize cross-selling techniques to increase revenue per customer.Maintain daily reports on sales performance for review by team leaders and managers.Customer Orientation:Maintain a commercial focus and prioritize customer satisfaction by delivering excellent onboarding experiences.Possess in-depth knowledge of products, policies, and processes to ensure superior customer service.Address customer concerns effectively, escalating issues to ensure timely resolutions.Learning and Growth:Participate in designated training and development programs while taking accountability for personal growth.Stay informed about competitive offerings and propose enhancements to products and processes.Internal Processes:Implement sales and compliance processes as per the bank's policies, ensuring governance and controls to mitigate potential losses.Follow risk control assessments across all areas of the Business Banking Department.

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.

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.

Job Purpose:Achieve and surpass monthly and annual sales targets.Drive market penetration by focusing on acquiring new clients while nurturing existing relationships.Conduct comprehensive analysis post-field visits to provide clients with tailored information.Maintain a thorough understanding of all policies, products, and processes to ensure an exceptional client onboarding experience.Engage proactively in Learning and Development programs to enhance sales effectiveness.Strictly adhere to KYC, Compliance policies, and other relevant processes.General Accountability:Financial:Meet or exceed established sales and revenue objectives for all products as per business plans.Fulfill monthly and annual KPI targets.Focus on New to Bank acquisitions while maximizing existing client relationships.Capitalize on cross-selling opportunities to enhance revenue from each customer.Maintain daily sales reports for review by team leaders and management.Customer Focus:Demonstrate commercial effectiveness while maintaining a strong customer focus and delivering exceptional service.Possess in-depth knowledge of all products, policies, and processes to ensure a superior client onboarding experience.Prevent mis-selling by transparently offering products and services that meet customer needs.Effectively understand and address customer complaints to ensure timely resolutions.Learning & Growth:Participate actively in assigned development programs and take responsibility for personal growth through collaboration with Team Leaders.Engage in mandatory training and development programs.Stay informed about competitors' offerings and provide suggestions for product/process improvements to management.Internal Processes:Implement prescribed Sales and Compliance processes in accordance with the Bank's policies.Establish governance and controls to proactively identify and mitigate potential risks.Adhere to the Risk Control Assessment process across all areas of Business Banking including Selling, Client Onboarding, Fraud Control, and KYC Documentation.Comply with all internal processes to ensure satisfactory audit ratings.

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.

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.

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.

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.

Work collaboratively with Relationship Managers to provide timely and insightful feedback that aligns with our 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, ensuring resolutions are achieved within the designated turnaround times (TATs).Ensure submission of error-free applications and maintain a record of 100% accuracy in all documentation.Facilitate seamless coordination with internal teams to enhance the efficiency of application processing.Comply strictly with HR policies, organizational standards, and the professional Code of Conduct.Meet all Service Level Agreements (SLAs) and TATs as specified in operational guidelines.Proactively manage individual clawbacks to keep them within the organization's target limits for the fiscal year.

Collaborate effectively with Relationship Managers, providing timely and insightful feedback to drive business objectives.Conduct sales with integrity and professionalism, ensuring transparency in all interactions.Respond promptly to customer inquiries, ensuring resolutions within established turnaround times (TATs).Submit applications with meticulous attention to detail, achieving 100% accuracy in documentation.Coordinate with internal teams to ensure the smooth and efficient processing of applications.Comply strictly with HR policies, organizational protocols, and the professional Code of Conduct.Ensure adherence to Service Level Agreements (SLAs) and TATs as specified in operational procedures.Strategically minimize individual clawbacks, maintaining them within organizational targets for the fiscal year.

Collaborate closely with Relationship Managers to provide timely and valuable feedback that aligns with our business objectives.Engage in sales activities with the highest level of integrity and professionalism, ensuring transparency in all client interactions.Respond swiftly to customer inquiries, guaranteeing resolution within established turnaround times (TATs).Prepare and submit applications with meticulous attention to detail, ensuring 100% accuracy in all documentation.Work in harmony with internal teams to streamline the application processing workflow.Comply rigorously with HR policies, organizational standards, and the professional Code of Conduct.Meet compliance requirements set forth in Service Level Agreements (SLAs) and TATs as detailed in operational guidelines.Proactively manage individual claw backs, ensuring they remain within the financial targets set for the year.

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.

Job Purpose:Achieve and surpass monthly and annual sales targets for POS loans.Drive market penetration through strategic acquisition of new clients and engagement with existing customers.Conduct thorough case analysis and provide comprehensive customer information post-field visits.Develop a strong understanding of policies, products, and processes to deliver an exceptional onboarding experience for clients.Actively engage in training and development initiatives to enhance sales effectiveness.Adhere strictly to KYC, compliance policies, and other required processes.Generic Accountability - Financial:Meet established sales and revenue goals across all products according to the business plan.Achieve monthly and annual KPI targets.Focus on acquiring New To Bank clients while maximizing opportunities within the existing client base.Identify and capitalize on cross-selling opportunities to increase revenue per customer.Maintain daily sales performance reports for review by team leaders and managers.Customers:Maintain a customer-centric approach to ensure high-quality service and onboarding experiences.Possess in-depth knowledge of all products, policies, and processes for superior client engagement.Ensure transparency in offering products/services to prevent mis-selling and align with customer needs.Effectively understand and manage customer complaints to ensure timely resolutions.Learning & Growth:Participate in designated training and development programs.Take ownership of personal development through active participation in learning initiatives, in collaboration with the team.Stay informed about competitor offerings and provide feedback for product/process enhancements.

Your RoleDrive the promotion and sales of a diverse range of personal banking products within designated markets.Meet and exceed sales targets established in collaboration with the Direct Sales Manager.Provide weekly management information system (MIS) reports and competitor analysis.Organize promotional events, group meetings, and roadshows to achieve set sales objectives.Set and manage sales targets to ensure achievement of sales goals.Maintain in-depth knowledge of banking products, including those from competitors.Identify cross-selling opportunities for other divisions within the bank.Analyze competition and recommend product or process improvements to boost sales.Inspire team performance by recognizing top achievers and coaching those needing improvement.