Virtual Relationship Officer - Emiratized Role

FAB, the UAE’s largest bank and one of the world’s largest and safest institutions, offers an extensive range of tailor-made solutions, and products and services, to provide a customised experience. Through its strategic offerings, it looks to meet the banking needs of customers across the world via its market-leading Corporate and Investment Banking and Personal Banking franchises.

Job Context:

Financials

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

Learning & Growth

• Participate in the assigned People Development and Learning & Development programmes. Take accountability for own development by active enrolment and participation with close coordination with respective Unit Manager
• To ensure participation in assigned training, Learning & Development programmes
• Awareness to competition offerings and offer suggestions to line manager to improve product/ processes

Internal Processes

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

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Minimum Qualification
▪ Diploma or bachelor’s degree in business administration, Finance, Banking or a related major field of study is preferred

Minimum Experience

• 1-2 years relevant experience of 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