Full job description

Sales Officer for Personal Finance & Credit Cards is responsible for proactively acquiring new customers, promoting and selling personal loan and credit card products, and building strong client relationships.

The role requires a self-motivated, target-driven individual who can identify customer needs, present suitable financial solutions, and ensure a seamless application-to-disbursement experience — all while adhering to compliance and regulatory standards.

KEY RESPONSIBILITIES

Sales & Business Development

● Achieve monthly and quarterly sales targets for credit card issuances and personal finance disbursements.

● Proactively source new customers through field visits, cold calls, referrals, employer tie-ups, and events.

● Present and promote personal finance and credit card products to potential customers in a clear and compelling manner.

● Identify cross-sell and upsell opportunities with existing customers.

● Maintain a healthy pipeline of leads and follow up consistently to convert applications.

● Understand customer financial needs and recommend the most suitable products.

● Ensure a positive customer experience throughout the sales journey — from initial contact to card/loan activation.

● Handle customer queries, objections, and complaints professionally and promptly.

Application Processing & Documentation

● Collect and verify all required documents as per KYC and credit policy guidelines.

● Submit complete and accurate applications through the bank’s system/CRM in a timely manner.

● Follow up on pending applications and keep customers informed of their status.

Compliance & Risk

● Ensure all sales activities comply with UAE Central Bank regulations, internal policies, and AML/KYC requirements.

● Never misrepresent product features, fees, or terms to customers.

● Report any suspicious activity or potential fraud as per bank policy.

● Complete all mandatory compliance and product training on schedule.

Reporting & CRM Management

● Update the CRM system daily with lead status, applications submitted, and customer interactions.

● Submit daily and weekly sales activity reports to the Team Leader.

● Participate actively in team meetings, briefings, and sales campaigns.

QUALIFICATIONS & REQUIREMENTS

Education

● Bachelor’s degree in Business Administration, Finance, Marketing, or a related field.

● Relevant certifications in banking or sales are an advantage.

Experience

● 1–3 years of experience in retail banking sales, direct sales, or financial services.

● Demonstrated track record of meeting or exceeding sales targets.

● Prior experience selling personal loans and/or credit cards in the UAE market is preferred.

Skills & Competencies

● Strong communication, persuasion, and interpersonal skills.

● Self-motivated and target-oriented with a positive attitude.

● Good understanding of personal finance products and credit card features.

● Ability to work independently as well as part of a team.

● Valid UAE driving license is an advantage.

Fluency in English; Arabic or other languages is a plus

Job Type: Full-time