Islamic Finance Executive-Cards Sales (Outsource)

Role To source Covered Card Application from the local market and sourcing of business should be within ADIB permitted policy and procedure Location : UAE Key Accountabilities of the role Main Responsibilities To source New to Bank Covered card product to the specified target segment and achieve or exceed the assigned target. To prepare & maintain DSR (Daily Sales Report) for the entire visited customers & company visits. Create and maintain good relationship with all the business entities / individuals where the business sourced. To visit potential companies / institutions, to finalize business deals within the targeted turnaround time based on ADIB policy & procedure and give feedback to RSS. Full awareness on product knowledge and implementing them at all times. Deliver a timely prompt service to the Customers. Adhere with stipulated office timing, follow strictly, secrecy norms, maintain data confidentiality & be presentable. DSR should be submitted to the respective TL by end of day with complete details The above will be observed and non-compliance will be escalated Regular / Occasional Responsibilities Prepare and review Standard Credit Application and ensure all information provided are accurate and ensure authenticity of the critical documents (i.e. Cheque, Copies of: Bank Statement, Passport, Emirates ID, Salary certificate etc.) prior sending to PU for processing. To ensure that all applications submitted are error free and rectify the error in case of any Follow the approval process and escalate the delay to RSS/Coordinator, if any. Execute Murabaha contract with the customer representing ADIB, and prepare the file as per the check list, forward card allocation for card issuance through the coordinators within 24 hours of completing signing formalities with customer Check the Card disbursement and notify the Coordinator/RSS in case of delay at Card center end. To maintain a good rapport with Inter-department / peers by ensuring a smooth flow of business. To participate in activities assigned by your RSS/line manager during promotions. Initiate cross-sell other banking products on best efforts basis (when required). Escalate customer complaints to the supervisor level immediately, if any. Specialist Skills / Technical Knowledge Required for this role: Broad knowledge of ADIB’s Covered Card and other RBG products & services. Fair knowledge of service standards, Sales skills and Computer skills. Good Knowledge of UAE banking practices, regulations & risks. General awareness of competitors in the local market.

Specialist Skills / Technical Knowledge Required for this role: Broad knowledge of ADIB’s Covered Card and other Retail/Banking Group products & services; fair knowledge of service standards, sales skills and computer skills; good knowledge of UAE banking practices, regulations & risks; general awareness of competitors in the local market.

Main Responsibilities: Source New to Bank Covered card product to the specified target segment and achieve or exceed the assigned target. Prepare & maintain Daily Sales Report (DSR) for all visited customers & company visits. Build and maintain good relationships with business entities/individuals. Visit potential companies/institutions to finalize business deals within ADIB policy & procedure and provide feedback to RSS. Maintain product knowledge and apply it at all times. Deliver timely service to customers. Adhere to office timings, maintain confidentiality, and be presentable. Submit DSR to the respective Team Lead by end of day with complete details. Prepare and review Standard Credit Application ensuring accuracy and authenticity of documents. Ensure applications submitted are error-free and rectify errors. Follow the approval process and escalate delays as needed. Execute Murabaha contracts with customers representing ADIB and prepare files per checklists; forward card issuance through coordinators within 24 hours of completing signing formalities. Monitor Card disbursement and notify Coordinator/RSS if there are delays. Maintain good rapport with inter-departments/peers to ensure smooth workflow. Participate in promotions as assigned. Initiate cross-sell of other banking products on a best-efforts basis. Escalate customer complaints to supervisor promptly. Specialist Skills/Technical Knowledge: Broad knowledge of ADIB’s Covered Card and other Retail/Banking Group products & services; fair service standards and sales skills; computer skills; knowledge of UAE banking practices, regulations & risks; awareness of competitors in the local market.