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 a team responsible to attract new to bank business of POS products ensuring achievement of agreed objectives of growth, profitability and customer satisfaction.
• Conduct a meeting huddle with Relationship Officers
• Review all cases and conduct field visits along Relationship Officers
• Provide guidance and support to the team
• Define goals and key performance indicators for each member of the team and ensure the implementation of the same
• Monitor the quality of the cases and ensure proper information is provide
• Motivate and train the team and make sure the proper code of conduct is being followed

Generic Accountability

Financial:

Support the team to achieve sales and revenue objectives for all Products as per set business plan

• Support the team to achieve monthly& annual set KPI objectives
• Help the team by providing leads and distribute it
• Distribute the team to different area to make sure maximum utilization of the market
• Ensure x-sell opportunities are being tracked and sent accordingly
• Maintain Daily Sales Reports on sales performance
• Sourcing New To Bank customers by identifying new leads or by using referrals from existing relationships.
• Focus on actively promoting unsecured PL assets products .
• Maintain mutually beneficial relationship with existing customers and actively pursue cross sell opportunities.

Credit / Risk control :
• Prepare Credit Application (CA), analyze financial statements in accordance with the bank policy.
• Maintain portfolio quality and ensure NPLs are under control by keeping a close watch on unsatisfactory account and proactively ensuring that customers drawdown get settled on time.
• Assess the financial and business risks involved in lending to particular businesses, mainly by looking at the company's competitive position within its industry, its strategic direction, management quality, and financial profile.
• Perform analysis to determine credit worthiness and recommend appropriate credit limits. • Will perform quarterly portfolio checks to ensure NPL’s are within check and all the relevant documents are updated and filled.

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.

• Maintain and enhance relationship with key clients and increase share of wallet
• Monitor the performance of all clients on boarded by the team members and be responsible for quality of CDD and documentation.
• Keep close monitoring on the market and update the manager
• Ensure thorough knowledge of all product, policies and processes in order to achieve superior client on boarding experience
• Call random clients and make sure proper information and services is provided
• Understand and resolve/escalate customer redresses to ensure timely resolution

Learning & Growth:

Participate in the assigned People Development and L&D programmes. Take accountability for own development by active enrolment and participation with close coordination with respective Team

• 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 implementation of prescribed Sales & Compliance processes as per Bank's policies. Implement governance & controls to proactively identify, manage and minimize/mitigate potential losses to the franchise within respective Area.
• Adhere to Risk Control Assessment process across all areas of Business Banking Department - Selling, Client Onboarding, Fraud Control, Client Application & KYC Documentation etc.
• Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings by adherence of all prescribed processes
• Ensure to bring quality and right customers to the franchise .
• Discuss the cases with stake holders and ensure support is provided

Job Context:

The day-to-day responsibilities of the proposed role will include, but not limited to:

Experience:
• Experience of working in SME – POS products in the UAE.
• Experience managing SME sales team.
• Experience of managing SME POS loans portfolio in UAE market.

Knowledge:
• Strong understanding of financial and SME banking services and products.
• Good understanding of market best practices and dynamics including demographic factors, competitor products and services.
• Strong understanding and working knowledge of SME banking and related regulations.
• Appropriate risk awareness.
• Understands legal structures consistent with different type of businesses.

Skills & Behaviors:
• Demonstrable leadership skills with proven ability to motivate and inspire a team to achieve planned objectives.
• Proven ability to communicate and influence at different levels and to a variety of audiences.
• Proven achievement of meeting or exceeding sales targets.
• Able to evaluate, analysis, draw conclusions and develop insightful recommendations and solutions.
• Strong entrepreneurial / commercial / business acumen with an understanding of wider economic issues.
• Proven ability to build and maintain strong customer relationships.

Health & Safety:

• ADHERE TO THE BANK’S GUIDELINES ON THE H&S.

Frameworks, Boundaries & Decision Making Authority:

▪ Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.
▪ Authorized to take decisions as per the approved authorisation matrix.

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Minimum Qualification

University Degree / MBA / PGDM / Sales diploma or certification preferable.

Minimum Experience

▪ 5-7 years of experience in Banking or in a Financial Industry at supervisory position