Senior Relationship Officer Personal loans

Job Description

About the Role:

We are seeking a talented and motivated Executive to join our Direct Sales CC & PL department. In this role, you will be responsible for promoting and selling a range of personal banking products, with a primary focus on credit cards & Personal Loan. Your main objective is to achieve sales targets and contribute to the bank's growth by acquiring new customers and cross-selling additional products. This role offers a challenging and rewarding experience, allowing you to develop your sales and customer relationship skills.

What You Will Be Doing

• Achieve and exceed monthly and quarterly sales targets set by the Direct Sales Manager.
• Promote and sell Personal Loan products within assigned markets and customer segments
• Generate new business through:
• Cold calling
• Field visits
• Referrals and networking
• Organize and participate in promotional activities, group meetings, and roadshows to drive business growth.
• Maintain a strong sales pipeline and ensure timely follow-up with prospects.
• Submit accurate MIS reports and competitor insights on a regular basis.
• Identify and leverage cross-sell opportunities across other banking products (e.g., credit cards, insurance, accounts).
• Stay updated on market trends, competitor offerings, and suggest improvements to enhance sales performance.
  

Customer Relationship & Service

• Build and maintain strong relationships with customers to ensure repeat business and referrals.
• Provide end-to-end support in the loan application process, ensuring a smooth customer experience.
• Address customer queries effectively and ensure high customer satisfaction levels.
  
  

Compliance & Process Adherence

• Ensure all applications are processed in line with bank policies, SOPs, and regulatory requirements.
• Maintain complete and accurate documentation and KYC compliance.
• Adhere to defined Turnaround Time (TAT) for all processes.
  
  

Team Contribution & Performance Management

• Collaborate with internal teams (Credit, Operations) to facilitate timely approvals and disbursements.
• Support team performance by:
• Sharing best practices
• Contributing ideas to improve sales outcomes
• Demonstrate a result-oriented and high-performance mindset.
  

What We're Looking For

Education: Bachelor's degree in any related field

Experience: Minimum 3 years experience in a Sales role

Skills

• Strong sales and negotiation skills
• Customer-focused approach with excellent communication skills
• Knowledge of personal loan products and lending policies
• Ability to work in a target-driven environment
• Strong time management and pipeline management skills
• Proficiency in MS Office and CRM tools
  
  

Responsibilities

• Promote and sell personal banking products, including credit cards, personal loans, and payroll accounts, to achieve sales targets.
• Conduct promotional activities, group meetings, and roadshows to engage potential customers and increase product awareness.
• Manage and achieve sales objectives, including cross-selling products from other business verticals.
• Adhere to all regulatory guidelines and ensure fair and ethical practices in customer dealings.
• Develop a deep understanding of banking products and provide tailored solutions to customer needs.
• Stay updated on competition offerings and sales processes, suggesting improvements and strategies.
• Build and maintain strong relationships with customers, ensuring fair and transparent dealings.
• Address customer requirements and provide the most suitable product solutions.
• Escalate exceptions and critical issues to senior management for timely resolution.
• Maintain excellent communication skills, both verbal and written, with a preference for Arabic language proficiency.
  
  

Qualifications

• Bachelor's degree in Business, Marketing, Finance, or a related field.
• Minimum 2 years of experience in a sales or customer-facing role, preferably in the banking or financial industry.
• Excellent communication and interpersonal skills, with the ability to build rapport and trust with customers.
• Strong negotiation and problem-solving abilities, with a customer-centric approach.
• Proficiency in Microsoft Office suite and other relevant sales or customer relationship management tools.
• Ability to work independently and manage multiple tasks simultaneously.
• Willingness to travel within the allocated region for promotional activities and customer meetings.
• Knowledge of banking products and services, with a focus on credit cards, is an advantage.
• Understanding of sales processes and techniques, including lead generation and customer acquisition.
• A proactive and self-motivated attitude, with a passion for sales and customer engagement.