Employee Banking Service Officer

As a Relationship Officer, you will be responsible for acquiring new customers and promoting the Bank's Retail Banking products, including Credit Cards, Personal Loans, Payroll Accounts, and other cross-sell products.

You will actively engage with customers through outdoor sales, company tie-ups, promotional activities, and relationship-building initiatives to drive business growth.

The role requires achieving sales targets, identifying customer needs, providing suitable banking solutions, and maintaining high standards of customer service and regulatory compliance.

• Promote Retail Banking products including Credit Cards, Personal Loans, Payroll Accounts, and cross-sell products.
• Generate new business through company tie-ups, payroll relationships, outdoor sales activities, and referrals.
• Achieve assigned sales targets and business volumes across multiple product lines.
• Identify customer needs and provide suitable banking solutions.

• Build and maintain strong relationships with customers and corporate clients.
• Conduct customer meetings, presentations, roadshows, and promotional activities.
• Deepen existing customer relationships through cross-selling and upselling opportunities.
• Ensure a positive customer experience throughout the sales journey.

• Approach companies and key decision-makers to establish payroll and retail banking relationships.
• Develop new opportunities to grow the customer base within assigned markets and territories.
• Stay informed on competitor products and sales practices to identify market opportunities.

• Ensure compliance with Central Bank regulations, CPF requirements, and Bank policies.
• Follow ethical sales practices and avoid any form of mis-selling or inappropriate product recommendations.
• Maintain accuracy and integrity in all customer interactions and documentation.
• Escalate exceptions and risk-related concerns as required.

• Work closely with Credit, CROPS, and Sales Management teams to facilitate business processing.
• Ensure timely follow-up on customer applications and sales leads.
• Contribute to team objectives while maintaining high productivity and service standards.

• Bachelor's Degree.
• Minimum 1-3 years of experience selling Retail Banking products with a bank.
• Proven experience in direct sales, customer acquisition, or relationship management within Retail Banking.

• Strong sales and customer acquisition skills.
• Excellent communication skills in English; Arabic is preferred.
• Relationship-building and networking capabilities.
• Strong customer focus and service orientation.
• Problem-solving and negotiation skills.
• Ability to work in a target-driven environment.
• Good understanding of Retail Banking products and sales processes.
• Collaboration and teamwork skills