Sales Manager
Al Molouk Banking Consultant
Total des années d'expérience :21 years, 7 Mois
Oversee all aspects of field sales and tele sales with developing and implementing strategies and programs resulting in increasing profitability, growing revenues and managing cost. Effectively training new joiners on the product, documentation, process and policies.
Collaborating and partnering with Financial Institutions, Banks and Brokerage houses to provide consultancy on Finance products and credit facilities such as Mortgages, Business Loans, Account Services and Credit Cards.
Building on Client Relationship Management in order to increase portfolio of customers.
Providing consultancy on Home financing and Mortgage solutions based on Islamic and Sharia compliant principles to Freehold and Non-Freehold Property Investors and End-user buyers that includes Residential, Commercial, Standard Resale, Refinance, Equity Release and Buyouts.
Support the Sales Manager in ensuring that the sales proposition is clearly defined and understood within the team members.
Conducting effective and developmental team meetings in the absence of Sales manager where best practice, successes and learning is shared along with monitoring the individual performance against the assigned KPI by the management.
Compiling weekly/monthly/annual reports on targeted activity and proactively addressing shortfalls to the higher management in absence of Sales Manager.
Effectively training new joiners on the product, documentation, process and policies.
Focusing on mortgage product sales for residential properties through various channels.
Prepare visits schedules and call on clients, real estate brokers, mortgage brokers and property developers to maintain relationships; identify marketing prospects and initiates borrowing/non-borrowing relationships with various Mortgage Customer.
Developing relationships and tie-ups with Real Estates, Developers and Mortgage Brokerage firms for generating leads and clients.
Achieved Top Performer for November 2017.
Achieved First Runner up - Performer for 2017.
Achieved Top Performer for January 2018.
Achieved First Runner up - Performer for 1st quarter 2018.
Achieved First Runner up - Performer for mid-year 2018
Achieved Second Runner up - Performer for October 2018
Achieved Top Performer for 1st Quarter 2019
Providing consultancy on Home financing and Mortgage solutions based on Islamic and Sharia compliant principles to Freehold and Non-Freehold Property Investors and End-user buyers that includes Residential, Commercial, Standard Resale, Refinance, Equity Release and Buyouts.
To ensure total compliance with laid down norms in terms of compliance risk, credit policy, documentation, operational risk and Group/ Regulatory control standards in achieving sales targets.
Certified Home Finance Professional (Internal Certification for Home Finance)
Achieved an overall 92% target for the year of 2015
Focusing on sales of consumer Asset & Liability products such as Personal loans, auto loans, mortgage loans, credit cards overdrafts, salary transfer accounts, Term deposits, fix deposits, banc assurance to achieve branch and individual targets set by the bank.
Maintain and develop existing and new client relationship through addressing service issues, after sales and cross selling related products.
Catering to the queries of walk-in customers, assisting them in issues relating to the personal and corporate accounts and ensuring consistently a high service standard and compliance.
Servicing to the HNI customers from the existing portfolio of the bank in terms of their banking requirements.
Meeting relevant customers at suitable external locations as required, in order to make and close sales of consumer asset and liability products.
Achieved 130% for the month of April 2014.
Achieved 113% for the month of May 2014.
Achieved 121% for the month of July 2014.
Personal Finance
Currently focusing on Sales of Personal Finance product through various channels to achieve a set target of volume AED 600000/- per month disbursal.
Achieved 110% for the year 2011 and 190% for the year 2012 and currently achieved 130% for the first quarter of 2013.
Acting as a backup to Relationship Manager in monitoring the achievement of Team Target and maintaining daily MIS for the tracking of team members’ performances and achievements.
Training new joiners on product information, policy, documentation and processes on various products of Retail banking.
Monitor sales and analyze performance trend of individuals within the team to identify issues and opportunities for areas of improvement and enhancing the achievement of sales objectives.
Targeting companies on the approved list of the bank for financing facilities
Approaching non-listed companies and listing on the bank’s approved portfolio in order to extend financing facilities to the employees of the company.
Cross selling multiple products as CASA, Credit Cards, payroll accounts and BIF (Business Installment Finance).
Home Finance
Had been providing consultancy on Home financing and Mortgage solutions based on Islamic and Sharia compliant principles to Freehold Property Investors and End-user buyers.
Generated a total business of around 65MM AED in home finance disbursement in the year 2008. (210% of the set target).
Achieved 105% in 2010.
Developed business through strong referral base by providing tenacious client follow-up and exceptional service.
Building relationship with Real Estates and Developers for primary and secondary market business
Providing best available solutions to UAE Nationals for local construction and finance.
Focused on sales of various Islamic banking products like consumer accounts, corporate and correspondent accounts, Islamic term deposits such as Mudaraba and Wakala, systematic saving/investment plans.
Provide information to borrowers and related parties about loan options, documents, market conditions and other requirements necessary to close the finance.
Banc Assurance
Presenting Bank Assurance products in relation to SALAMA (Islamic Arab Insurance Co.) to various High Net-worth Individuals.
Achieved 90% of the target for the year 2009.
Assisting clients in Financial planning objectives with focus on Long-term and Short-term investment schemes.
Analyzing the need of Islamic-based Life Insurance (Takaful) and Investments (Taameen) for High Income and Medium Income segments
Advising clients on various Islamic based Funds in consideration of the clients’ risk factors.
Achievements and Awards
• Promoted as Assistant Relationship Officer from Senior Sales Officer in June 2013.
• 3rd position in Top 3 performers for November 2012 in Personal Finance
• 2nd position in Top 3 performers for September 2012 in Personal Finance
• 1st Position in Top 3 performers for April 2012 in Personal Finance
• 3rd position in Top 3 performers for November 2011 in Personal Finance
• 1st position in Top 3 performers for February 2011 in Personal Finance
• Top Performer for 1st quarter of 2011 in Small Business Finance.
• 3rd position in Top 3 performers for August 2010 in Home Finance
• 1st position in Top 3 performers for November 2009 in Home Finance
• 1st position in Top 3 performers for August 2008 in Home Finance.
Focusing on mortgage product sales through various channels.
Achieved an overall target of 140% for the year 2007 with generation of a total business of 70MM disbursed for mortgage loans.
Developing relationships and tie-ups with Real Estate and Mortgage Brokerage firms for generating leads and clients.
Contacting developers for updates on upcoming projects and developments happening in the Freehold areas.
Providing feedback on competition, real estates, and developers to the management for improvement in the product features.
Following up from submission of documents till the disbursement of loan.
Assess financial objectives and current financial instruments of prospective customers.
Focusing on short term and long term investment and insurance products sales.
Communicate features of various products which best address customer financial objectives and concerns
Main focus on Team as well as individual targets, regular feedback about changing market & competition, identifying the target market, corporate relationship building.
Monitoring the performance of team and thereby setting the individual business targets.
Generating reports on daily, weekly and monthly basis on new and existing clientage and updating the management about the market conditions as well as competition for their own strategic development and giving feedback on credit policies on regular basis.
Promoted from Sales Officer to Assistant Team leader after an achievement of 150% target of annual target.
- Providing consultancy for IT solutions and strategies to corporate clients.
Identifying areas in the client’s organization that could incorporate the tools of Information Technology.
Providing with end-user training.
Marketing software products for implementation and training.