Job description

The role focuses on leading the Liabilities & Accounts sales function within the Retail Bank to develop market share for all Retail Liability products, drive business volume, penetration and cross-sell targets, and ensure delivery of fixed deposit, CASA balances, and payroll account objectives for the affluent, cross-selling, and business development teams. The unit is accountable for developing and growing liabilities, payroll business, deposits, and CASA base, acquiring new-to-bank customers, and creating a multiproduct sales culture. The role supports building a strong customer base for upselling retail products including loans, overdraft, credit cards and bancassurance. Responsibilities include delivering the annual financial budget aligned with the approved business plan, managing recruitment, retention and training of the sales team, maintaining consistency in business acquisition and approval rates, and creating medium-term sales plans with actionable strategies. The position requires coordination with internal departments to ensure seamless customer service, setting and monitoring individual targets, ensuring marketing initiatives and incentive campaigns are executed, and holding regular review meetings to assess performance against plans. Additional responsibilities include developing area-wise acquisition plans, segmenting business sourcing efforts, focusing on free zones, LLC companies, and large corporate payroll opportunities, overseeing daily team activities through a sales management system, implementing innovative sales promotions and motivational programs, and providing staff training on bank policies and procedures including Sanctions, AML and CTF. The role includes responding to regulatory requests, conducting periodic risk-based compliance monitoring, reviewing high-risk accounts and account opening applications for AML, compliance, high-risk and PEP concerns in line with UAE Central Bank guidelines, providing compliance-related feedback to internal teams and correspondent banks, and working with staff and customers to obtain required documents for compliance queries.