Retail Banking Officer - Personal Loans

Overview

The Personal Loan Unit within the Retail Banking segment of Emirates NBD focuses on fulfilling personal loan sales needs for both current customers and new clientele in the UAE. This unit plays an essential role in boosting the market position of the personal loan portfolio, aligning its efforts with the overall corporate strategy of the Emirates NBD Group.

Key responsibilities also include expanding the bank’s roster of approved employers to foster new business partnerships and leverage these connections to promote retail banking product acquisition. Additionally, the unit prioritizes the cross-selling of complementary retail products such as deposit accounts, credit cards, and Bancassurance policies to maximize unit profitability and enhance the division's comprehensive revenue generation.

Responsibilities

• Drive the acquisition and sales growth of personal loan products within the retail banking framework.
• Achieve established sales targets while consistently providing exceptional customer service to both new and existing clients.
• Deliver expert guidance and professional advice regarding banking products and services to customers, and collaborate with other departments to capitalize on business opportunities.
• Engage proactively with existing clients in the portfolio to capture a greater share of their financial needs through cross-selling and promotion of new product offerings.
• Maintain high standards of client satisfaction by monitoring service quality and ensuring that clients' expectations are consistently met and surpassed.

Qualifications and Experience

• A minimum of 1 to 2 years of professional experience gained within the UAE banking or retail sales sectors is mandatory.
• A Bachelor's degree is required for this position.
• Experience in banking and retail sales within international, GCC, or UAE markets is preferred.
• Proven skills in selling and marketing are essential.

Knowledge and Skills

• Basic proficiency in computer operating systems.
• Strong selling and marketing capabilities.
• Excellent interpersonal skills, both within teams and in dealing with customers.
• A valid driving license is a compulsory requirement.

Behavioral Traits

• Exemplary professionalism and conduct.
• Ability to work effectively both independently and as a constructive team player.
• Highly motivated, diligent, focused, and energetic approach to work.

About Emirates NBD

Emirates NBD stands as the leading banking group across the MENAT region. Founded on June 19, 1963, with the establishment of the National Bank of Dubai, Emirates NBD officially emerged through the merger of Emirates Bank International and NBD in 2007, creating the largest banking entity in the region by assets. As a comprehensive financial services provider, Emirates NBD offers extensive capabilities across corporate, retail, Islamic, investment, private banking, global markets, treasury, asset management, and brokerage services throughout the Middle East and North Africa.