The National Bank of Iraq (NBI) was founded in 1995 as a publicly traded, private sector company, offering comprehensive banking services to individuals and businesses in Iraq. As a result of NBI’s success and to fuel future growth, its capital was increased from the initial IQD 400 million to IQD 250 billion (USD 215 million) in December 2013. 

In 2005, Capital Bank Jordan acquired majority shares (61.85%) in NBI, allowing NBI to evolve its business offerings, strengthen its global footprint and promote financial inclusion across the country. 

With its extensive network of correspondent banks, Capital Bank stands as NBI’s gateway to world economies, facilitating internal and external remittances, granting lines of credit, as well as offering trade finance services. 

In addition, NBI can trade on behalf of clients in Jordan and international markets through Capital Investments, Capital Bank’s investment arm, as well as offer trading services in the Baghdad Stock Exchange through its wholly owned subsidiary, Wahat Al-Nakheel. 

NBI operates a modern core banking system to support its growth and customer services. Capital Bank and its subsidiaries audit all accounts through Ernst and Young, and report financials in accordance with International Accounting Standards. 

NBI has earned a BB rating by Capital Intelligence, the international credit rating agency. It further received a ‘Good’ rating by the Central Bank of Iraq.

Today, NBI has 51 branches in all major cities in Iraq, and a branch in Saudi Arabia. 

The Point of Sale Devices Sales Associate is responsible for conducting field sales activities to acquire new merchants, promoting electronic payment solutions through Point of Sale devices, and achieving monthly acquisition targets. The role also ensures customer satisfaction, accurate documentation, and compliance with the Bank’s service standards and applicable requirements.

Key Responsibilities

• Conduct daily field visits to targeted merchants to promote electronic payment solutions and secure agreements for Point of Sale devices.
• Achieve the assigned monthly sales targets, including the acquisition of at least 15 new merchants per month.
• Present the features and benefits of Point of Sale devices and related banking services in a professional manner based on merchants’ business needs.
• Build and maintain effective relationships with merchants to support customer satisfaction and continued engagement with the Bank.
• Prepare daily reports covering field visits, sales results, achievement rates, and operational challenges, and submit them to the direct manager.
• Follow the Bank’s policies, procedures, customer-service standards, and professional conduct requirements during field activities.

Technical and Operational Responsibilities

• Conduct daily field visits according to the geographical areas, merchant lists, and priorities determined by management.
• Collect and process all required merchant documentation accurately and in accordance with the Bank’s requirements, including official identification documents, tax documents, and business licences.
• Review documents during field visits to ensure their accuracy and completeness before submitting them to the relevant department.
• Minimise rejected or returned applications by verifying that all required information and supporting documents are complete.
• Follow up on submitted merchant applications with the responsible supervisor to support timely completion of the documentation and approval process.
• Verify that prospective merchants meet the Bank’s technical and commercial requirements before contract signing and device installation.
• Provide merchants with basic guidance regarding required documentation and application procedures.
• Maintain the confidentiality and security of merchant information and documents.
• Ensure that all activities comply with the Bank’s policies and the applicable instructions of the Central Bank of Iraq.
• Report field challenges, application issues, or merchant concerns to the direct manager.
• Perform any other related duties assigned by the direct manager.

Qualifications and Experience

• Bachelor’s degree in Business Administration or a related field.

Required Knowledge

• Basic knowledge of electronic payment systems and Point of Sale solutions.
• General understanding of merchant acquisition and field sales activities.
• Basic knowledge of the Bank’s relevant procedures, requirements, and regulations.

Required Skills and Competencies

• Strong communication and interpersonal skills.
• Sales, negotiation, and persuasion skills.
• Strong coordination and follow-up capabilities.
• Customer-service orientation.
• Planning and time-management skills.
• Ability to conduct regular field visits and work toward defined sales targets.
• Accuracy in reviewing and processing documents.
• Ability to prepare clear daily activity and sales reports.
• Ability to maintain the confidentiality of customer and merchant information.
• Results-oriented approach and ability to work independently.