Branch Manager jobs in United Arab Emirates

Job Purpose:

The branch manager's role is to lead, oversee, and manage all aspects of branch operations, sales and customer service of the branch, ensuring profitability and compliance with regulatory standards. This position is central to driving the achievement of business objectives by implementing sales strategies, fostering business development, and building long-term relationships with customers. The Branch Manager ensures the efficient day-to-day operations of the branch, including cash flow management, adherence to internal policies. Additionally, the Branch Manager plays a critical role in delivering exceptional customer experiences by maintaining high service standards and ensuring the branch operates smoothly and effectively.

Principal Accountabilities:

1. Operational Oversight: The Branch Manager is responsible for overseeing daily branch operations to ensure compliance with policies and procedures. This includes monitoring staff performance and work flow to optimize efficiency and service delivery. They ensure that the branch is equipped with adequate resources, such as cash and materials, to meet operational demands. Additionally, they address and resolve operational challenges promptly to minimize disruptions and maintain seamless operations.
2. Sales and Business Development: The Branch Manager develops and implements sales strategies to achieve branch targets and grow the customer base. They identify opportunities for cross-selling and up-selling bank products and services (including Islamic banking products and services), working closely with the Head of Branch Banking and product teams to run localized campaigns and promotions. Building partnerships with local businesses is also a key responsibility to expand the branch market reach and drive business growth.
3. Customer Relationship Management: Maintaining and growing relationships with key customers is a critical function of the Branch Manager. They ensure customer needs are met effectively, conduct regular feedback sessions to improve products and services, and manage escalated customer complaints to ensure satisfactory resolution. Furthermore, they need to enhance customer retention and long-term engagement.
4. Team Leadership and Development: The Branch Manager leads, inspires, and motivates the branch team to achieve sales and operational goals. They conduct regular performance reviews, providing constructive feedback and recognition to staff. Identifying skill gaps, the manager coordinates training sessions to enhance team competencies. They also foster a positive work environment to encourage collaboration, productivity, and staff engagement.
5. Financial Management: Managing branch budgets is a key accountability, ensuring efficient cost management and resource allocation. The Branch Manager oversees cash flow management, including deposits, withdrawals, and cash replenishment, and reviews financial reports to track branch profitability and performance. They ensure adherence to financial policies, minimizing errors and discrepancies in all transactions and processes.
6. Risk and Compliance Management: The Branch Manager enforces adherence to regulatory requirements and internal compliance policies. They conduct regular reviews to identify and mitigate risks in branch operations. Proper documentation for all transactions and customer interactions is ensured, and the manager trains staff on compliance guidelines, including KYC, AML, and fraud prevention. Compliance and adherence to Consumer Protection Regulation and Standards:

• Ensure that CPR guidelines are being followed 100% at all times. Any breach identified is reported to the Head of Consumer Protection immediately.
• Ensure all trainings related to CPR are completed. This also includes Islamic banking & Sharia training.
• Ensure adherence to the guideline for people of determination and vulnerable people.
• Ensure customer complaints are logged and resolved on a timely basis.

Job Requirements (Qualification/Experience):

• Bachelor's degree in business, Finance or related field.
• Minimum 5 years in banking with at least 2 years in a leadership role.
• Good inter-personal and communication skills.
• Strong understanding of banking operations, sales and compliance.
• Problem solving and decision making.
• Good understanding of protocols and procedures to be compliant with UAE regulations and requirements.
• Good understanding and familiarity of Islamic banking principles and governance.