Summary
RAKBANK is hiring a Senior Relationship Officer for its Direct Sales CC & PL department in Dubai. The role promotes personal loans, credit cards and other banking products, acquires customers, manages sales pipelines and targets, and supports customers through loan applications. Duties also include field visits, roadshows, cross-selling, accurate reporting and compliance with bank policies and KYC requirements. The posting asks for a bachelor's degree, sales or customer-facing experience, strong communication and negotiation skills, and proficiency with Microsoft Office and CRM tools; it gives both two- and three-year experience thresholds.
The posting
As published on rakbank.ae. Pulled from the employer's site and shown as they wrote it.
About the Role:
We are seeking a talented and motivated Executive to join our Direct Sales CC & PL department. In this role, you will be responsible for promoting and selling a range of personal banking products, with a primary focus on credit cards & Personal Loan. Your main objective is to achieve sales targets and contribute to the bank's growth by acquiring new customers and cross-selling additional products. This role offers a challenging and rewarding experience, allowing you to develop your sales and customer relationship skills.
What you will be doing:
- Achieve and exceed monthly and quarterly sales targets set by the Direct Sales Manager.
- Promote and sell Personal Loan products within assigned markets and customer segments
- Generate new business through:
- Cold calling
- Field visits
- Referrals and networking
- Organize and participate in promotional activities, group meetings, and roadshows to drive business growth.
- Maintain a strong sales pipeline and ensure timely follow-up with prospects.
- Submit accurate MIS reports and competitor insights on a regular basis.
- Identify and leverage cross-sell opportunities across other banking products (e.g., credit cards, insurance, accounts).
- Stay updated on market trends, competitor offerings, and suggest improvements to enhance sales performance.
Customer Relationship & Service
- Build and maintain strong relationships with customers to ensure repeat business and referrals.
- Provide end-to-end support in the loan application process, ensuring a smooth customer experience.
- Address customer queries effectively and ensure high customer satisfaction levels.
Compliance & Process Adherence
- Ensure all applications are processed in line with bank policies, SOPs, and regulatory requirements.
- Maintain complete and accurate documentation and KYC compliance.
- Adhere to defined Turnaround Time (TAT) for all processes.
Team Contribution & Performance Management
- Collaborate with internal teams (Credit, Operations) to facilitate timely approvals and disbursements.
- Support team performance by:
- Sharing best practices
- Contributing ideas to improve sales outcomes
- Demonstrate a result-oriented and high-performance mindset.
What We’re Looking For:
Education: Bachelor’s degree in any related field
Experience: Minimum 3 years’ experience in a Sales role
Skills
- Strong sales and negotiation skills
- Customer-focused approach with excellent communication skills
- Knowledge of personal loan products and lending policies
- Ability to work in a target-driven environment
- Strong time management and pipeline management skills
- Proficiency in MS Office and CRM tools
Responsibilities
- Promote and sell personal banking products, including credit cards, personal loans, and payroll accounts, to achieve sales targets.
- Conduct promotional activities, group meetings, and roadshows to engage potential customers and increase product awareness.
- Manage and achieve sales objectives, including cross-selling products from other business verticals.
- Adhere to all regulatory guidelines and ensure fair and ethical practices in customer dealings.
- Develop a deep understanding of banking products and provide tailored solutions to customer needs.
- Stay updated on competition offerings and sales processes, suggesting improvements and strategies.
- Build and maintain strong relationships with customers, ensuring fair and transparent dealings.
- Address customer requirements and provide the most suitable product solutions.
- Escalate exceptions and critical issues to senior management for timely resolution.
- Maintain excellent communication skills, both verbal and written, with a preference for Arabic language proficiency.
Qualifications
- Bachelor's degree in Business, Marketing, Finance, or a related field.
- Minimum 2 years of experience in a sales or customer-facing role, preferably in the banking or financial industry.
- Excellent communication and interpersonal skills, with the ability to build rapport and trust with customers.
- Strong negotiation and problem-solving abilities, with a customer-centric approach.
- Proficiency in Microsoft Office suite and other relevant sales or customer relationship management tools.
- Ability to work independently and manage multiple tasks simultaneously.
- Willingness to travel within the allocated region for promotional activities and customer meetings.
- Knowledge of banking products and services, with a focus on credit cards, is an advantage.
- Understanding of sales processes and techniques, including lead generation and customer acquisition.
- A proactive and self-motivated attitude, with a passion for sales and customer engagement.