Virtual Relationship Officer - Emiratized Role

Job Context:

Financials

• Manage a portfolio of 700-800 customers, primarily non-borrowing customers.
• Achieve monthly and annual KPI objectives (Portfolio Revenue, Cross-sell, and Activations).
• Cross-sell bank products (New accounts, Assets, Trade, FX, and Bancassurance) to increase product penetration across the customer portfolio.
• Refer and upgrade customers to other units within the segment, e.g., Sales & Coverage RM.
• Ensure penetration in the market through a 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 focus, ensuring excellent customer service by delivering a quality client onboarding experience.
• Ensure timely updating of KYC and conduct due diligence.
• Ensure thorough knowledge of all products, policies, and processes to achieve a superior client onboarding experience.
• Effectively manage current account excess and account conduct management.
• Ensure no mis-selling to customers by offering products/services transparently as per customer requirements.

Learning & Growth

• Participate in assigned People Development and Learning & Development programmes. Take accountability for own development by active enrolment and participation in close coordination with the respective Unit Manager.
• Ensure participation in assigned training and Learning & Development programmes.
• Stay aware of competition offerings and offer suggestions to the line manager to improve products/processes.

Internal Processes

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

Qualifications:

Minimum Qualification:
Diploma or bachelor's degree in Business Administration, Finance, Banking, or a related major field of study is preferred.

Minimum Experience:

• 12 years of relevant experience in Banking in customer service/sales/client-facing roles.
• Commercial Banking experience will be an added advantage.
• Strong interpersonal skills and fluency in English and Arabic.

Remote Work:

No

Employment Type:

Full-time