471 Retail Banking jobs in the United Arab Emirates

Surani Group is looking for Sales Professionals for No.1 bank in UAE.

• To engage and educate customers on product usage.
• Must have experience in sales or tele sales.
• To identify new platforms to generate leads.
• Able to work towards achieving targets.
• Excellent communication and relationship-building skills.

Candidates must have experience in banking sales in UAE.

Bachelor's Degree or Equivalent.

Freshers with home country experience in banking sales can also apply.

Provide customer-centric business solutions.

Contribute to business requirements gathering workshops with senior stakeholders.

Understand end-to-end user journeys and develop business solutions.

Possess deep understanding of platforms to recommend implementation approaches for customer-facing web applications, middleware integration, and backend system architecture.

Support the Product Owner in writing effective Product Backlog Items and maintaining prioritized backlogs for multiple products, assisting development teams with estimates.

Assist in story refinement processes.

Collaborate with Product Owners and Tech Leads to prioritize MVPs during sprint cycles and manage backlogs.

Participate in sprint planning, scrum meetings, refinement sessions, retrospectives, and other team activities.

Enforce common structures and guidelines for Business Analyst methodologies in requirement management.

Utilize communication tools like Jira and Tracker Boards effectively.

Encourage team self-organization and empowerment.

Share industry best practices in Agile methodologies.

Provide consultancy, technical guidance, and leadership across teams.

Work closely with Technical Delivery Managers, Program Managers, and Business Experts to ensure visibility and resolution of business challenges.

Engage actively in organizational Agile activities.

Support and promote automated development processes.

Assist teams in implementing process improvements identified during retrospectives.

Virtusa offers the opportunity to expand your professional experience in the Middle East, working on leading digital transformation programs. As a rapidly growing IT services company in the region, Virtusa serves clients across the UAE, KSA, Qatar, and Oman, collaborating with top banking, financial services, travel, telecom, and enterprise firms. Recognized by Gartner, IDC, and WfMC, Virtusa has received multiple awards for its work. Join our award-winning team and be part of a global community of over 30,000 professionals committed to your growth, offering exciting projects, opportunities, and exposure to cutting-edge technologies.

Bachelor of Business Administration(Management)

Nationality

Any Nationality

Vacancy

1 Vacancy

Job Description

Job Description

As a Retail Banking Executive specializing in Auto Loans, you will play a crucial role in driving the financial growth of the bank by focusing on the auto lending sector. Your expertise in customer service, combined with your knowledge of banking operations and loan products, will help provide clients with tailored auto loan solutions. You will be responsible for evaluating loan applications, maintaining an active pipeline of prospects, and ensuring compliance with bank policies and procedures. The ideal candidate will have exceptional communication skills, strong analytical abilities, and a passion for customer satisfaction. By leveraging your deep understanding of the retail banking landscape, you will contribute significantly to the bank's customer acquisition and retention efforts.

• Conduct detailed assessments of auto loan applications to determine eligibility and compliance.
• Develop and maintain a strong pipeline of auto loan prospects through proactive outreach.
• Provide personalized financial advice to clients regarding auto loan options and terms.
• Collaborate with branch staff to optimize auto loan marketing strategies and execution.
• Ensure all loan documentation is accurate and complies with banking regulations.
• Analyze market trends and competitor activities to identify new business opportunities.
• Build strong relationships with car dealerships to enhance loan product offerings.
• Assist in the development of new auto loan products and services based on market insights.
• Conduct regular follow-ups with clients to ensure timely loan repayment and satisfaction.
• Train and mentor junior staff about auto loan products and best practices.
• Report to senior management on loan performance metrics and pipeline activities.
• Work collaboratively with other banking departments to enhance customer experience.

• Bachelor's degree in finance, business administration, or a related field.
• Minimum of 3 years experience in retail banking or auto lending sector.
• Strong understanding of banking regulatory requirements and loan documentation.
• Exceptional communication and negotiation skills with a customer-focused approach.
• Proficiency in using banking software and customer relationship management tools.
• Ability to analyze financial statements and credit reports effectively.
• Strong problem-solving skills and the ability to handle sensitive customer situations.

Company Industry

• Recruitment
• Placement Firm
• Executive Search

Department / Functional Area

• Store Operations (for Retail Industry)

Keywords

• Retail Banking Executive - Auto Loan

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Job Purpose:

The Senior Vice President of Sales and Distribution will lead and manage the sales function across all retail banking branches and distribution channels. This pivotal role focuses on driving revenue growth, achieving sales targets for all retail products and customer segments, and enhancing both customer acquisition and retention.

This role requires ensuring excellence in sales execution through effective leadership of relationship managers and front-line sales staff. In addition, the Senior Vice President of Sales will oversee sales operations across all distribution channels, providing strategic direction and effective leadership to achieve organizational goals.

Duties and Responsibilities:

Retail Sales Strategy and Business Scope:

a) Develop and implement an overall retail sales strategy aligned with the bank's strategic objectives and growth targets. Ensure that sales performance meets or exceeds defined KPIs through effective leadership of the national branch network and retail sales force.

b) Lead and manage all branch-based and relationship manager teams to achieve individual and collective sales targets across all customer segments (affluent, mass affluent, etc.) and all retail products (liabilities, assets, cards, insurance, investments, etc.).

c) Drive sales initiatives across the retail banking portfolio, ensuring alignment with business objectives and expansion of market share. Actively focus on customer acquisition, portfolio growth, cross-sell, and upsell opportunities to maximize wallet share and customer lifetime value.

Team Leadership:

d) Directly manage 8 reportees, including sales managers and regional branch heads, with overall leadership of approximately 68 employees. Foster a collaborative and high-performance culture within the team.

e) Provide coaching and development to relationship managers and branch staff, building a client-focused sales team capable of delivering exceptional service and sales growth.

Portfolio Growth Targets:

f) Drive portfolio growth with a target of 20% year-over-year increase over the next 5 years, focusing on expanding market share and enhancing customer engagement.

g) Collaborate with product, marketing, digital, and analytics teams to develop sales campaigns and initiatives aimed at boosting revenue and market penetration.

h) Monitor sales pipelines, conversion rates, and revenue generation metrics, implementing corrective actions when necessary to ensure targets are met or exceeded.

i) Establish and monitor sales KPIs, ensuring delivery against targets across branches and sales channels while maintaining compliance with internal policies and external regulatory requirements.

j) Champion customer centricity by driving initiatives to enhance customer satisfaction and loyalty through consistent engagement and superior service delivery.

k) Regularly assess market trends, competitor activity, and customer feedback to optimize the sales approach and strategy.

Business Scope:

m) Achieve annual sales revenue targets across multiple product lines, including:

• Assets: AED 250 Mn

• Liabilities: AED 550 Mn

• Bancassurance: AED 20 Mn

• Wealth Management: AED 40 Mn

Responsible for managing the current portfolio size of:

• Assets: AED 1.26 Bn

• Liabilities: AED 4 Bn

Accountable for the profit and loss target of AED 250 million, while overseeing sales activities across 6 branches to ensure growth and profitability.

Education:

• Bachelor's degree/master's degree in business, finance, or related field.

Experience:

• 10-12 years extensive experience in retail banking, with at least 5 years in a senior sales leadership role.

Other Skills Required for the Job:

• Proven track record of delivering strong sales performance across a diverse product portfolio.

• Strong leadership, coaching, and team development skills.

• Excellent understanding of the UAE retail banking market and customer dynamics.

• Strategic thinking with the ability to translate vision into actionable sales plans.

• High level of analytical skills and ability to understand scientific marketing techniques, including surveying and statistical analysis in marketing program development.

• Proven experience of driving banking technology/products/services to expand a bank's geographic reach and customer base in areas without a significant traditional branch distribution network.

• Demonstrable leadership, decision-making, project management, thought leadership, and collaborative skills.

• Evidenced experience of driving positive change, transformation, and setting appropriate KPIs and objectives to achieve high performance and overall excellence.

• Ability to manage, motivate, and develop multiple teams and managers reporting.

• Understands a bank's operations, sales, and support environments.

• Excellent oral and written communication skill.

Reports directly

Senior Manager – Sales & Segments

Dotted Line to:

Branch Manager (Distribution)

Duties and Responsibilities:

Customer Acquisition and Relationship Management:

• Drive activation of new CBI Edge clients through new acquisitions, upgrading existing clients, and acting upon New to Bank (NTB) referrals from existing clients.
• Enhance sales for CBI Edge and cross-sell bank products to existing and potential priority customers.
• Drive revenue and volume growth through new acquisitions and deepening existing customer relationships.
• Advise clients on their personal financial needs and objectives by analyzing their financial needs and objectives, recommend suitable in-house "off the shelf" financial solutions, execute clients' instructions and address queries, concerns and issues on their existing banking and financial transactions.
• Achieve revenue goals and portfolio growth targets across various products and services.
• Optimize the potential value of the priority customer base through wealth management products and services.
• Deploy various business acquisition activities and relationship deepening techniques.
• Resolve client queries and minimize customer attrition by providing quality service.
• Achieve target customer satisfaction scores.
• Collaborate with internal and external specialists and support teams to provide tailored solutions.
• Initiate and collaborate with channel product teams to develop product solutions for CBI Edge Banking customers.
• Liaison with credit to ensure robust and balanced credit criteria for the segment growth.

Compliance and Risk Management:

• Responsible for conducting financial checks for clients within agreed timelines.
• Safeguard the bank from potential loss.
• Perform KYC checks and exercise due diligence to identify and report irregular account activity, money laundering suspicion, fraud cases, etc.
• Ensure implementation of the customer value proposition in compliance with external and internal regulations and policies.
• Enforce zero tolerance for non-compliance with KYC and AML regulations.
• Lead the closure of gaps/lapses identified by audit, risk, and compliance reviews within agreed timeframes.

Customers /Stakeholders

• Manage and resolve customer complaints proactively and in a timely manner. Take ownership for the customer’s purpose of visit to CBI and deliver an effective solution
• Maintain highest standard of excellence in client service in line with Branch Service Protocol expectations
• Meet SLAs for all processes where applicable
• Improve customer experience by collating customer feedback, identifying deficiencies in any area eg. Operational, administrative, processes and competitiveness of products and services vis-à-vis the market
• Improve customer experience in processes, systems, operations and administration without comprising on business risks by giving suggestions and feedback
• Enhance competitiveness of products and services to relevant product teams by giving suggestions and feedback

Business Processes:

• Adherence to policies, procedures, and statutory guidelines to minimize bank-wide risks.
• Practice brand delivery and ensure the delivery of customer promises.
• Provide "One Stop" Banking Service to CBI customers ensuring efficient execution of requests.
• Perform any other duties assigned by management consistent with the role. These groupings help to outline the different areas of focus within the role, spanning customer-centric responsibilities, compliance and risk management, and general tasks aligned with the role's objectives.

Dotted Line Responsibilities (Branch)

Sales Manager will have full authority over the Relationship managers and will work closely with Branch Manager to ensure that all RMs are effectively supporting the branch and the overall group target. Sales manager authority will including but not limited to; setting and approving targeting, approving leave, final performance evaluation, all decision making in authority (Sales operation, Client engagement and Strategies), Resource allocation and enforcing sales policies and procedures.

Dotted Line Responsibilities to branch manager

• Branch Operations Alignment: Collaborate closely with the Branch Manager to ensure sales strategies align with the branch's operational capacities and adapt, as necessary, including complying within the branch risks and compliance requirements.
• Target/Goals Alignment. Alignment of Overall individual sales Target to the Branch Target.
• Branch-Specific Sales Reporting: Generate comprehensive reports on sales performance, targets, and progress within the respective branch to provide regular updates to the Branch Manager.
• Branch-Specific Strategy Implementation: Translate broader sales strategies from the Sales Manager into actionable plans suitable for the branch's environment and objectives
• Client Relationship Management: Cultivate and maintain client relationships within the branch's territory, updating the Branch Manager on key client interactions and opportunities.
• Team Support and Feedback: Assist and supporting the branch team, offering feedback to improve performance, and facilitating communication between the team and Branch Manager.
• Collaboration and support: Both the RM and branch managers will collaborate to ensure that branch targets are met
• Performance evaluation and feedback: the branch manager will considerably contribute to the performance cycle of the RMs and it’s the responsibility of the RMs to make sure that they discuss performance first with the branch manager.

Key Competencies

• Knowledge of local banking practice& UAE market
• Superior Relationship Management track record and ability to serve High Net worth customers
• Sales & Relationship Management Skills
• Strong interpersonal and communication skills
• Client centric and Service oriented
• Complete knowledge of Banking Productsis required
• Knowledge & Sales experience with wealth products(Investments & Insurance)
• Knowledge of Group's policy,Standards, local regulations and legislation of the prevention of money Laundering

Education:

• Bachelor’s Degree in Finance, accounting, or Business

Experience:

• 5 – 8 years’ experience in sales
• Experience in Banking Portfolio Management within the local market is required
• A Minimum of CISI Level 1 certification is an added advantage
• An extensive and demonstrable knowledge of banking markets is required

• Manage and grow the bank's auto loan portfolio by attracting new clients.
• Evaluate customer needs and tailor auto loan products to meet those needs effectively.
• Provide detailed information to clients about the terms and conditions of auto loans.
• Review and process auto loan applications with a high degree of accuracy.
• Maintain strong relationships with customers to ensure repeat business and referrals.
• Collaborate with credit analysts to determine the viability of approving loan applications.
• Ensure compliance with internal and external regulatory requirements for all loan products.
• Identify opportunities for cross-selling other banking products and services to clients.
• Keep up-to-date with market trends affecting auto loans, including interest rates and competition.
• Coordinate with the underwriting team to ensure efficient processing of loan applications.
• Monitor and follow up on delinquent accounts to minimize financial risk to the bank.
• Prepare and present reports on loan performance and market trends to senior management.
  

• Bachelor's degree in finance, business administration, or a related field is required.
• At least 3 years of experience in retail banking or financial services sector.
• Proven track record in managing and growing an auto loan portfolio effectively.
• Excellent analytical skills with the ability to assess and mitigate financial risks.
• Strong communication skills to effectively interact with clients and team members.
• Thorough understanding of banking regulations and compliance standards.
• Demonstrated ability to work collaboratively in a team-oriented environment.
• Proficiency in banking software and financial analysis tools is highly desirable.
• Exceptional problem-solving skills with a client-focused approach to service delivery.
• Ability to manage multiple tasks and prioritize effectively in a fast-paced environment.
  

• Manage and grow the bank's auto loan portfolio by attracting new clients.
• Evaluate customer needs and tailor auto loan products to meet those needs effectively.
• Provide detailed information to clients about the terms and conditions of auto loans.
• Review and process auto loan applications with a high degree of accuracy.
• Maintain strong relationships with customers to ensure repeat business and referrals.
• Collaborate with credit analysts to determine the viability of approving loan applications.
• Ensure compliance with internal and external regulatory requirements for all loan products.
• Identify opportunities for cross-selling other banking products and services to clients.
• Keep up-to-date with market trends affecting auto loans, including interest rates and competition.
• Coordinate with the underwriting team to ensure efficient processing of loan applications.
• Monitor and follow up on delinquent accounts to minimize financial risk to the bank.
• Prepare and present reports on loan performance and market trends to senior management.
  
  

• Bachelor's degree in finance, business administration, or a related field is required.
• At least 3 years of experience in retail banking or financial services sector.
• Proven track record in managing and growing an auto loan portfolio effectively.
• Excellent analytical skills with the ability to assess and mitigate financial risks.
• Strong communication skills to effectively interact with clients and team members.
• Thorough understanding of banking regulations and compliance standards.
• Demonstrated ability to work collaboratively in a team-oriented environment.
• Proficiency in banking software and financial analysis tools is highly desirable.
• Exceptional problem-solving skills with a client-focused approach to service delivery.
• Ability to manage multiple tasks and prioritize effectively in a fast-paced environment.
  
  

Retail Banking Business Analyst Role

We are seeking a skilled Retail Banking Business Analyst to join our team. As a Retail Banking Business Analyst , you will play a key role in delivering business solutions that meet the needs of our customers.

About the Role

This is an exciting opportunity to work on leading digital transformation programs and contribute to the growth and success of our organization.

Responsibilities

• Provide customer-centric business solutions
• Contribute to business requirements gathering workshops with senior stakeholders
• Understand end-to-end user journeys and develop business solutions
• Possess deep understanding of platforms to recommend implementation approaches for customer-facing web applications, middleware integration, and backend system architecture
• Support the Product Owner in writing effective Product Backlog Items and maintaining prioritized backlogs for multiple products, assisting development teams with estimates
• Assist in story refinement processes
• Collaborate with Product Owners and Tech Leads to prioritize MVPs during sprint cycles and manage backlogs
• Participate in sprint planning, scrum meetings, refinement sessions, retrospectives, and other team activities
• Enforce common structures and guidelines for Business Analyst methodologies in requirement management
• Utilize communication tools like Jira and Tracker Boards effectively
• Encourage team self-organization and empowerment
• Share industry best practices in Agile methodologies
• Provide consultancy, technical guidance, and leadership across teams
• Work closely with Technical Delivery Managers, Program Managers, and Business Experts to ensure visibility and resolution of business challenges
• Engage actively in organizational Agile activities
• Support and promote automated development processes
• Assist teams in implementing process improvements identified during retrospectives

Join to apply for the Wealth and Retail Banking Rehlaty & Client Service Hiring - UAE Nationals role at Standard Chartered

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Join to apply for the Wealth and Retail Banking Rehlaty & Client Service Hiring - UAE Nationals role at Standard Chartered

Job Summary
You'll be responsible for managing and developing relationships with high-profile clients to drive business growth and meet the bank's strategic objectives. You'll provide exceptional customer service with the provision of financial solutions while managing operational risk and regulatory requirements.

Job Summary
You'll be responsible for managing and developing relationships with high-profile clients to drive business growth and meet the bank's strategic objectives. You'll provide exceptional customer service with the provision of financial solutions while managing operational risk and regulatory requirements.
About Wealth And Retail Banking
We service more than 13 million individuals and small businesses, with a focus on the affluent segment which encompasses Private Banking, Priority Private, Priority Banking, and Premium. In the mass retail space, we're focused on emerging affluent clients who will progress in their wealth journey with us and form the pipeline of future affluent clients.
We’re a leading wealth manager in Asia, Africa and the Middle East, and our deep local presence and international network enables us to capture the strong structural tailwinds which are driving cross-border wealth flows. Our comprehensive product propositions span across deposits, payments, financing, advisory, investments and bancassurance.
We’re investing in our Affluent banking business. Our investment focuses on affluent frontline teams, wealth and digital platforms, and client centres, as well as brand and marketing, to drive growth. You’ll join a growing franchise within Standard Chartered Group.
We have a unique opportunity which will focus on transferring skills to be able to become a specialist within Wealth and Retail Banking as either a Client Manager or as an Assistant Relationship Manager. If this sounds like an opportunity you would be keen to explore, take a look at the skill sets below and apply if you feel they are relevant.
The Skills We Are Looking Out For

• Client Experience, Behaviours and Preferences — Ability to deliver a high level of service tailored to affluent client expectations
• Sales Support — Proactively identify and pass on leads; support RM in achieving portfolio growth
• Customer Focus — Demonstrate strong client centricity and commitment to delivering exceptional service
• Reputational Risk — Maintain high ethical standards and safeguard the Bank’s reputation
• Operational Excellence — Proven track record in managing service operations with high accuracy and compliance
• Problem Solving — Proactive approach to resolving client issues swiftly and effectively
• Communication — Clear, professional communication with clients and internal stakeholders
• Regulatory Knowledge — Solid understanding of AML, KYC, and regulatory requirements
• Process Management — Strong focus on process adherence and continuous improvement
• Attention to Detail — High accuracy in documentation and service delivery
• Collaboration — Ability to work cross-functionally with various internal teams to deliver service solutions
• Communication — Clear, professional communication with clients and internal teams
• Problem Solving — Proactive in resolving service issues and coordinating solutions
• Self-Management — Ability to prioritise tasks and manage time effectively with minimal supervision
• Team Collaboration — Work closely with Relationship Managers and other support functions to ensure client satisfaction.
  

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
  

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

• Seniority levelEntry level

• Employment typeFull-time

• Job functionOther
• IndustriesBanking

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