Area Manager, Mashreq Gold.RBG - MG Client Coverage - DIC.Retail Banking Group

The role holder will develop, implement & monitor business growth for the Mashreq Gold.This role is a key enabler, ensuring & proactively leading an integrated sales team and portfolio managers to support Mashreq Gold acquisition and retention strategies, revenue lines and customer satisfaction by;

• Managing sales performance against budget and addressing productivity issues

• Identifying potential business opportunities

• Supporting capability upskilling

• Coaching and Mentoring Gold RMs

• Hiring, training and retaining talent

• Monitor and drive productivity in line with business goals and requirements

• Take responsibility for CX and propose solutions for streamlining of processes

Collaborating with stakeholders such as (Mashreq Gold Planning & Support, Mashreq Gold product Advisory compliance, credit, product teams, CX etc.) to ensure end-to end solutions are offered to Mashreq Gold clients

Supervision of Subordinates

• Drives the Mashreq Gold RMs and mentors them towards the execution of Mashreq Gold acquisition and retention strategies
• Achieves Sales and Service Targets by centre in line with Mashreq Gold UAE budget.
• Conducts regular business reviews to ensure adequate business tracking
• Oversee and provides guidance to RMs throughout the sales process from client opportunity planning, client meetings, proposal preparation and negotiation, and ultimately deal close ensuring an efficient process.
• Oversees key client relationships and ensures best services standards at all times
• Provides development plans and constructive feedback to RMs to support their overall development
• Scans competition on a regular basis
• Motivates and encourages superior performanceCustomer Acquisition

• Lead business acquisition and retention strategies across assigned Mashreq Gold Centres
• Drive monthly acquisition targets in the assigned centres and monitors productively targets
• Prepares a structured plan to identify business opportunities through NTB and cross-selling
• Monitors the business operating environment with respect to market trends, interest rates, asset and liabilities positions, trade volume, credit facilities etc. on an on-going basis.
• Coach team members to increase sales productivity and cross selling.Relationship Management and Retention:

• Develop integrated portfolio management plans for the centres assigned and ensures implementation

• Monitor service levels for customer satisfaction by centre

• Oversee customer retention efforts with personal involvement in complaint resolution, account closures & inquiries

• Maintains and enhances relationships with key customer accounts and prospective customers to ensure business continuity and growth.

• Provides regular updates to Head of Mashreq Gold on performance of the accounts and on key market thrusts.

• Analyses key client’s financial statements, management practices etc. to assess the credit risk for the client and ensure that the credit quality of the portfolio is not compromised.

• Recommends, rejects or approves credit facilities, within prescribed limits, after a comprehensive analysis.

Ensures provision of high quality and timely service to clients

Internal Collaboration

• Achieve service level targets and manages the coordination with Product Advisory and Planning & Support teams within Mashreq Gold to meet client service expectations.

Engages with key stakeholders including Credit, Operations, Technology, Branches, etc. to deliver timely and effective level of client experience to our clients.

People Management Responsibilities

• Defines goals and key performance indicators for each member of the team and ensure effective implementation of the Mashreq performance management process.

Develops talent within the team by providing guidance and coaching to achieve the defined goals

Ensures resource optimization across the centre assigned to support business continuity and growth.

Qualifications

• Bachelor’s Degree in Business Administration, Finance, Banking or a related major field of study is required

• Minimum of 8 years of experience in Banking/Financial services across Priority banking products sales, preferably at least 3 years in a similar role

SCA Qualified