Job DescriptionTo sell Personal Finance to the specified target segment and achieve or exceed monthly Target.To ensures that all the necessary bank charges /terms and conditions are clearly communicated to all customers.Identify potential customers through databases; follow up leads and telephone/personnel contacts and cold calls.To contact potential customers and convince them about the benefits of the banks specified product.To source applications from the segments as per targets set for the period, complete with all necessary documents.To adhere to the administrative requirements of Check list, Daily sales reports on daily basis.To maintain effective business relationship with clients to enhance the customers service image of the bank.To ensure all the documents provided by the customers are duly checked and forwarded for further action/process.To ensure portfolio quality by exercising sound credit judgment and by complying with credit and product parameters to complete all formalities and documentation in line with SOP manuals and Shari’ah principles.To prepare regular Sales reports and obtain & provide market, customer and competitor information and feedback to management to facilitate decision making.To attend various training and learning programs to close the skill gaps and to ensure proper awareness about the products.To ensure high level of portfolio credit quality is maintained across the sales activities by conducting Central Bank Black List Check for account opening requests in order to avoid risk factors and ensuring necessary compliance approvals are taken for High Risk accounts if and when required.To conduct all mandatory activities related to account opening as per agreed SOPs and SLAs.To Coordinate with AMU in order to ensure all account opening documents are submitted on timeAll the above accountabilities includes but not limited to any additional/new tasks or responsibilities assigned by the line Manager.Competencies/SkillsBanking Products, Services and Operations KnowledgeCredit Policy and ParametersDocumentationIslamic Product Selling SkillsMIS Generation and AnalyticsRegulatory and Compliance KnowledgeSales OperationsSharia Principles of Islamic FinanceTelephone EtiquetteEngage the CustomerShare Knowledge & Work as OneAct with OwnershipMaintain Transparency & Communicate to ShareEmpower to Decide
