Relationship Officer

Overview

About CreditMarket.ae

Role Purpose

1. Sales & Business Development

• Source new customers for Credit Cards and Personal Loans.
• Generate leads through direct sales, referrals, networking, field visits, and digital channels.
• Achieve assigned monthly sales targets and KPIs.
• Maintain strong pipeline management and follow-up discipline.

2. Client Advisory

• Assess customer eligibility and recommend suitable bank products.
• Explain product features, interest rates, fees, eligibility criteria, and documentation requirements clearly.
• Provide ethical and transparent advisory aligned with bank compliance standards.
• Guide clients through the end-to-end application process.

3. Documentation & Compliance

• Ensure complete and accurate documentation collection.
• Conduct KYC verification and preliminary eligibility checks.
• Adhere strictly to UAE banking regulations and internal compliance policies.
• Avoid mis-selling and maintain proper customer disclosures.

4. Relationship Management

• Maintain long-term client relationships for repeat and referral business.
• Coordinate with bank relationship managers and internal operations team.
• Handle client queries, follow-ups, and status updates professionally.

5. Reporting & Governance

• Update CRM and sales tracking systems daily.
• Submit performance reports as required.
• Participate in sales meetings, training sessions, and governance reviews.

Mandatory Requirements

• Minimum 1–2 years UAE banking sales experience (Credit Cards / Personal Loans preferred).
• Strong understanding of UAE banking policies and credit norms.
• Proven monthly sales track record.
• Existing client database/network is an advantage.
• Excellent communication and negotiation skills.
• Ability to work under pressure and target-driven environment.

Preferred

• Experience working with UAE DSAs or direct bank payroll.
• Multilingual skills (English + Hindi/Urdu/Arabic preferred).
• Immediate joiners will be prioritized.

• Key Performance Indicators (KPIs)

• Monthly booked cards and loan disbursements.
• Approval ratio.
• Revenue generation.
• Cross-sell ratio.
• Compliance adherence score.
• Portfolio quality (low early delinquency).

Compensation Structure

• Fixed Salary (based on experience)

• Attractive Commission Structure

• Performance Incentives
• Quarterly/Annual Bonuses (for top performers)
• Career growth into Senior RO / Team Leader / Area Manager roles