Sales Staff

**EMPLOYMENT TERMS & CONDITIONS**

Place of Employment

Dubai - UAE

Period of Contract

Two (2) Years (Renewable)

Accommodation

Only First 2 months

Probation Period

Six (6) Months from date of joining

Working Hours

8 Hours a day / 06 days a week

Employment Visa & Emirates ID

Provided by company

Medical Insurance

Provided by company

Annual Leave

30 days with one-month salary

Yearly Ticket

Provided by company

All Other Employee Benefits

As per UAE Labour Law

**JOB DESCRIPTION - ROLE PURPOSE**

Achievement of sales targets in line with the group objectives through acquisition of quality business & good customer service.

**Job Responsibility**

1) Maximize sales opportunity from allocated territory
- By providing a single point of contact for LISTED companies.
- By implementing proactive/ creative initiatives to generate sales and meet monthly & annual sales targets.
- By building long term relationships with ‘key’ contacts.
- By targeting competitors’ quality customers and transferring them to BANK.
- By identifying new business opportunities.
- By Selling 5 Core products

2) Provide efficient and personalized customer service
- By providing advice, guidance and solutions in a structured manner to the customers according to their ‘need’.
- By proactively broadening & deepening relationships with BANK customers through effective customer contact thereby enhancing the financial value for BANK.
- By increasing awareness amongst customers about remote/ alternative distribution channels.
- Use Complaint Manager System to record complaints. Ensure SLA is met at all times.
- Ensuring a professional image is maintained by wearing staff ID and uniform.

3) Manage activity
- By Attending Morning/Sunset meetings with the team on a daily basis.
- By effectively planning contacts & meetings to ensure efficient use of time & resources.
- By appropriate follow-up of customer interviews.
- By building effective relationships & referral business on a daily basis
- By structured handover of business relationships and follow-up activity at times unavailable due to leave
- Checking phone messages to avoid complaints.
- Ensure CRMS leads are actioned on a daily basis and when proceeding on leave to ensure that all leads are diarized.

4) To proactively learn and develop one self.
- Nominate self for selected RLD training based on business demands and identified development needs.
- By referring to the Business Binder / Intranet to kept up to date with sales and service issues.
- By attending spotlights conducted by the internal Trainer and RLD
- Share best practice.
- By being open to feedback
- By agreeing on a learning and development plan with the team leader.
- Agree balanced scorecards with the team leader
- Discuss half yearly appraisals with the team leader.

5) Improve customer perception and service standards by monitoring and reviewing procedures and reducing the number of processing errors
- Make recommendations to the line on how to enhance our processes and procedures.
- Seek ways of streamlining and improving turnaround times.
- Monitor and review procedures in place.
- Reduce value destroyers and non-profitable accounts. Contribute towards cleanup of standing instructions, the system holds, in active accounts and identification/closure of low value accounts.
- Maintain a discrepancy target of 5% for loans and 2% for account maintenance. Act on preprocessing feedback.
- Meet internal deadlines and SLAs

6) Compliance to legal and regulatory framework for reducing operational/reputation risk
- By ensuring lending within the UAE PFS credit policy and acting within packaged lending guidelines.
- Ensuring that any proposal outside those guidelines is referred to the relevant authority level.
- Ensuring all documents are completed and properly authorized.
- Ensuring all transactions are properly authorized.
- Ensuring compliance with Bank requirements.
- Ensuring compliance with audit recommendations, local laws, group compliance and money laundering requirements.
- Nil Repeat audit recommendations
- Timely implementation of Internal Audit recommendations
- Satisfactory audit report from all regulatory bodies.
- Read DIM regularly and confirm half yearly.
- Attend Money Laundering and fraud related training.
- Proactively assisting management in identifying and controlling money laundering risk, reporting suspicious, fostering a compliance culture and optimizing relations with anti-money laundering authorities.
- USE CRMS in a disciplined way.

**Major Challenges**
- Deal effectively with all customer queries and complaints in a timely manner
- Monitor sales activity and take action where activity levels are below standard.
- Attend and participate in the department’s weekly sales meetings.
- Make outbound calls and complete portfolio calling on time.
- Make recommendations on how to enhance our processes and procedures. Seek ways of streamlining and improving turnaround times.
- Maintain di