Senior Sales Officer (Acting Team Leader)
United Arab Bank
Total years of experience :17 years, 6 Months
Retail Sales and Services - Dubai Region
•To identify and develop potential leadership candidates for career development into ASM capacity
•To coach and motivate the sales executive and create a highly charged and aggressive sales team
•To ensure compliance and consistency with bank’s policy in card acquisition effort
•To cultivate a professional working atmosphere that encourage career development and reduce staff attrition
•To monitor and maintain discipline of the sales executives while ensuring proper administrative functions are implemented
•To execute and adhere Sales Programs
•Understand basic financial and office management
•To ensure compliance and consistency with bank’s Compliance & Control policy and processes
•Any other task assigned from time to time
Retail Sales and Services - Dubai Region
•To identify and develop potential leadership candidates for career development into ASM capacity
•To coach and motivate the sales executive and create a highly charged and aggressive sales team
•To ensure compliance and consistency with bank’s policy in card acquisition effort
•To cultivate a professional working atmosphere that encourage career development and reduce staff attrition
•To monitor and maintain discipline of the sales executives while ensuring proper administrative functions are implemented
•To execute and adhere Sales Programs
•Understand basic financial and office management
•To ensure compliance and consistency with bank’s Compliance & Control policy and processes
•Any other task assigned from time to time
Key Deliverables
Key Deliverables
Multi Products - Relationship Officer, Sale
•Meeting customer’s requirement for Salary Transfer Loans and service post disbursement.
•Cross selling banks multi products for maximizing accounts profitability through other products such as credit cards, mortgage & auto loan.
•Identifying business opportunities by listing new companies and opening pay roll accounts.
•Handling customer queries and providing feedback.
•Responsible for implementing best customer service practices to improve sales channels and minimize customer complaints.
•Dealt with customer service issues managed client relations to promote long-term relationships.
•Have sufficient knowledge about the banking products and services and respond to all inquiries accordingly.
•Ensure that all the bank’s policies and procedures, code of conduct and regulatory guidelines are strictly complied within the process of discharging duties.
Sales
•Achieve personal production goals by expanding existing relationships and acquiring new relationships, utilizing effective methods.
•Evaluate client’s financial needs and recommend products to meet their needs.
•Maintaining high level of personal sales.
•Source and close Personal Loans, Smart Loans, and Credit Cards, A/c Openings & SME applications.
•Refer clients to Excellency, Mortgage and investment service specialists.
•Acquiring new corporate by listing them through payroll services.
•Assists clients in resolving complaints about the products or issues that may arise after sales.
•Acquiring Business through referral and personal contacts through cold calling in top companies and MNC’s
•Ensure quality customer service
Sales in Personal Loans.
Key Deliverables
Personal Loans - Relationship Officer, Sales
•To meets potential clients, understanding their requirements and offering Loans.
•Maintain high level of customer service in order to gain referential business.
•Generate new business via sales promotion, out marketing calls and presentations.
•Acquisition of new clients.
•Generating business through existing clients as well as newly acquired clients.
•Ensuring proper follow ups, to deliver within TATS for customer’s satisfaction.
Banker for a Portfolio of customers.
•Achieve sales targets and providing Customer service.
•Responsible for Cross Sell & enhancing relationship with existing customers like Credit Cards, DMAT/HSL, Various Loans, etc.
•Customer service to ensure walk in customer’s issues.
•Selling of Investment products like Mutual Fund, Insurance & Current account & Saving account.
•Managing Operations like A/c opening, Fixed Deposit, Lockers, and Forex etc.
•Deepening of existing Current account & saving account relationships.
•Generation of referrals from internal database.
•Customer acquisition & cross sell to walk in customers.
•Report Generation & filing.
•Generate business and cross sell all products and services of the Bank.
•Enhance the value of existing accounts of Current account & saving account customers retention of accounts.
•Pins custodian.
•Review all critical reports, monitor cash levels, fraud control, etc.
•Cost Management and staff productivity.
•Branch administration & ATM (on-site) management.
•Branch Operations and Audit Compliance.
Teller (Cash Receipts and Payments & Remittances) Banking Operations - Assistant Manager
•Ensuring error free and quick cash transactions (cash receipts, cash payments).
•Executing responsibility for the smooth functioning of Teller Desks.
•Liaising with Local banks for cash dispose and intending cash on daily basis.
•Recording of all transactions above 99999/- in the register as well as maintaining proper documentation for same.
•Following the Soiled Notes Policy.
•Activating the dormant account according to the process /circulars as per audits and reporting of the activated account and maintenance.
•Handling Cheques Returns.
•Maintaining courier registers for cheques returns and following up with the customers.
•Processing account closure.
•Uploading and parking of salaries.
•Initiating a transaction after taking activation request from customer along with his / her ID Proof.
•Ensuring that all bulk deposits possess updated PAN Cards.
•Checking all entries having PAN Card and sending the self-attested PAN Card for updation.
•Managing Vault Custodian as well as Voucher related functions involving filling and stitching on a fortnightly basis.
General Branch Administration
•Implementation and sustaining 5-S in the branch.
•Looking after vendor payments and monthly salary disbursements.
•Determining financial objectives, preparing & implementing systems, policies & procedures for streamlining the branch operations.
Key Deliverables
Current Liability (Backend) Operations - Senior Officer
•Consumer banking liability is the functional area.
•Looking upon the requests put by the customers
•Opening FDs and maintaining them
•Opening and maintaining accounts like NR, NRO, and NRE etc.
•Opening lockers.
•Maintaining confidential data.
•Keeping track of the records.
•Opening Foreign Currency Accounts.
•Handling Customer Complaints.
Audits / Statutory Compliances
•Following the process / procedures of the bank & ensuring compliance to rules and regulations of bank including latest circulars & notifications.
•Ensuring adherence of audit and compliance as laid by the bank.
•Executing efforts towards the upkeep of branch and adherence to service quality audits.
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