First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas and beliefs of others. We’re in a unique position to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise. At FAB, you’ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance. As we embrace different ways of seeing the world, listening to each other and respecting different viewpoints, we grow stronger – together.

JOB PURPOSE:

To manage and grow a portfolio of profitable borrowing and non-borrowing customer base in defined geographical markets in pursuit of specific sales, service, growth and opportunity targets.

 KEY ACCOUNTABILITIES:

• Meet and exceed monthly target objectives across portfolio growth and revenue
• Focus on activation and management of dormant/inactive customers
• To be abreast with all policies, products and processes to ensure superior client on boarding experience
• To proactively participate in Learning, Development and training programmes of the bank in order to be effective sales personnel
• Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated

Job Context

Financials:

• Manage portfolio of 400-500 customers comprising of customers primarily non borrowing customers
• Achieve monthly& annual KPI objectives (Portfolio, Revenue, X-sell and Activations)
• Cross sell bank products (New accounts, Assets, Trade, FX and Bancassurance) to increase product penetration across customer portfolio
• Refer and upgrade customers to other units within the segment viz. Sales & Coverage RM
• Ensure penetration in the market through focus on New to Bank referrals from existing customers
• Maintain Daily Sales Reports on business performance for review

Customers

• Be commercially effective in the role and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience
• Ensure timely updation of KYC and conduct due diligence
• Ensure thorough knowledge of all product, policies and processes in order to achieve superior client on boarding experience
• Effectively manage current account excess and account conduct management
• To ensure no mis selling to customers by offering products/services transparently as per customer requirements
• Understand and resolve/escalate customer redresses to ensure timely resolution

Learning & Growth:

• Participate in the assigned People Development and Learning & Development programmes. Take accountability for own development by active enrolment and participation with close coordination with respective Unit Manager
• To ensure participation in assigned training, Learning & Development programmes
• Awareness to competition offerings and offer suggestions to line manager to improve product/ processes

Internal Processes: 

• Ensure strict adherence of prescribed Sales & Compliance processes as per Bank's policies.
• Adherence to governance & controls to proactively identify, manage and minimize/mitigate potential losses
• Adhere to agreed SOP’s across applicable areas
• Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings

FRAMEWORKS, BOUNDARIES, & DECISION-MAKING AUTHORITY:

• Propose and recommend decisions as per the approved authorisation matrix.
• Functions within the framework and boundaries of Group policies as well as overall organisational and governance frameworks.

QUALIFICATIONS & EXPERIENCE:

Minimum Qualification

• Bachelor’s Degree in Business Administration, Finance, Banking or a related major field of study is preferred

Minimum Experience

• 3 years’ relevant experience in the Corporate, Commercial or Business Banking in similar positions of managing customer base in the identified target segment.