To comply with country regulations, we are looking for UAE talent to fill this role.
Job Purpose:
Job holder is accountable for Proactively managing a sales team to achieve or exceed the sales and service objectives assigned for Auto Finance unit using exceptional sales leadership skills to ensure profitable business development and growth.
The Job holder’s Primary responsibility is to establish and implement the business plans and formulate short- and long-term strategies for the unsecured segment with the changes in the market trend.
The Job holder is accountable to contribute to the sound profitable growth of the Asset Finance or Liability products portfolio through the achievement of sales plans and delivery of quality service and formulating strategies to overcome market competition. The role involves leading a team, fostering relationships with key partners, such as car dealerships, and ensuring compliance with local regulations.
Retain talented Direct Sales team by personal mentoring and ensuring acceptable quality customer services standards, operational risk control and adherence to all internal rules and regulations are maintained.
Job Requirements:
Sales Acquisition and Development:
- Conduct market analysis to identify opportunities and stay ahead of industry trends in the UAE.
- Develop and implement the bank's auto loan sales strategy in alignment with business objectives.
- Scheduling of teams to meet assigned business targets.
- Generate Cross Sell opportunities to Existing Customer Database.
- Relationship Building visits to existing and new prospects.
- Achieving cross sell retail products by identifying customer needs to offer the right product.
- Develop and prepare sales quarterly/yearly business plan and proposal for incentive structure for the higher management to approve.
- Seek approval, propose and coordinate with the Head of Sales for deviation/deferral/recommendation of a finance submission on case-to-case basis
Customer Service:
- Ensure customer services turnaround time and customer stratification is maintained a high level.
Team Development:
- Train resources on Product, Policy, Documentation, competition offerings etc. Training programs ongoing basis.
- Lead, mentor, and manage the auto loans sales team, setting clear goals and performance metrics.
- Conduct Performance appraisals monthly/ quarterly and yearly basis and recommend Retention solution and Skill Enhancement training via HR.
- Conduct Regular Monthly Meetings to resolve issues and process enhancement procedures. Work closely with Auto Finance/operations department for remedial and counteractive actions to be taken, case to case basis, when required.
- Effective lead management and Initiate sales promotions with adherence to the marketing principles of the bank for an improved customer acquisition management.
- Closely work with higher management and strategic planners for an enhanced/improved planning and decision making
- Maintain a low risk rating by the business and Shariah compliance.
- Revisiting TML based on business acquisition reports from Policy and Risk.
- Ensure all sales activities are compliant with UAE banking regulations and internal policies.
- Relationship maintenance and quality enhancement to the TML.
- Maintain attrition by sourcing New to bank Acquisition to balance the portfolio and timely Renewal of Deposits (Applicable to Liabilities)
Qualifications:
- Bachelor's /Master’s Degree in related field.
- Must have at least 15 – 20 years of total experience.
- Possess in depth knowledge of the products and services, associated charges/fees, legal provisions, and their delivery process.
- Able to act as a mentor to the Team Leaders.
- Knowledge of digital sales channels and fintech solutions in auto lending. Understanding of consumer behavior in the UAE market.
- Clarifies goals of the team. Makes team members own their performance levels. Encourages team to promote new ideas. Builds on individual strength and recognizes team’s performance. Leadership experience in a multicultural environment.
- Gives directions & demonstrations with reasons & rationale. Monitors development on a regular basis.
What we offer you:
- Competitive salary package
- Strong emphasis on work-life balance and wellbeing across the bank
- World-class Learning & Development platform and career development
- Generous annual leave entitlement and Private Healthcare
- Preferential banking facilities for employees
EIB
Emirates Islamic was launched in 2004 to deliver the highest standards of banking services in line with Shari'a principles.
As one of the leading Islamic banks in the UAE, Emirates Islamic offers exciting career opportunities for highly motivated professionals and graduates. At Emirates Islamic, we believe that our Employees are our biggest asset and we continuously invest in Talent Management & Training and Development programmes to help them excel professionally and achieve success in their chosen career.
Emiratization is a key strategic objective at Emirates Islamic. We provide training to talented, young Emaratis under dedicated programmes that shape their ambition, passion & commitment and guide them to become the future leaders of the organization as well as the overall financial sector.
We are driven by our values of Innovation, Customer Service, Ambition & Ownership and are always looking for talent to add to our diverse work environment comprising of over 60 nationalities.
