RM Premium Banking

Tawteen

KEY RESPONSIBILITIES:

Sales Effectiveness and Business Growth

• Acquire new high-net-worth customers and grow the Premium Banking customer base through proactive business development, referrals, and networking.
• Develop and maintain a high-quality portfolio of clients, ensuring revenue and profitability targets are achieved in both asset and liability segments.
• Identify and cross-sell Islamic Banking products and services such as deposits, investment solutions, financing, credit cards, and bancassurance to meet customer needs.
• Maintain a comprehensive sales pipeline and conversion strategy to ensure sustainable business growth in alignment with monthly and annual sales targets.
• Ensure timely follow-up on all leads, prospecting activities, and client referrals to maximize conversion rates.

Relationship Management and Client Servicing

• Build and maintain strong, long-term relationships with Premium Banking customers by providing personalized and professional financial advice.
• Ensure all clients receive timely, accurate, and Sharia-compliant financial guidance tailored to their wealth management and investment needs.
• Serve as a single point of contact for all customer queries, escalations, and after-sales services, ensuring service delivery exceeds expectations.
• Coordinate with investment, treasury, and branch support teams to deliver end-to-end customer solutions.
• Ensure clients financial profiles and investment preferences are regularly reviewed and updated to maintain relevance to their evolving needs.

Sales Activities and Reporting

• Prepare and submit detailed reports on sales activities, including client visits, pipeline updates, and closed deals.
• Maintain accurate records of customer interactions and transactions in accordance with bank systems and reporting standards.
• Provide periodic updates on AUM growth, product performance, and client portfolio metrics to the Head of Premium Banking.

Risk Management and Compliance

• Ensure full compliance with the Bank s policies, procedures, and guidelines, including Sharia principles, AML, and KYC regulations.
• Identify, assess, and mitigate potential operational and credit risks within the portfolio.
• Ensure that all documentation and account opening formalities are completed accurately and in accordance with regulatory requirements.
• Take proactive measures to identify early warning signals in client portfolios and escalate potential credit or reputational risks.

Product and Market Knowledge

• Maintain a deep understanding of Premium Banking products, market dynamics, investment offerings, and Islamic financial instruments.
• Provide informed advice to clients on investment trends, financing structures, and market developments.
• Continuously monitor competitors offerings and recommend enhancements to existing products or services to maintain competitive advantage.

Customer Experience and Service Excellence

• Deliver exceptional service standards to Premium clients by anticipating their needs and providing timely, relevant solutions.
• Manage customer feedback effectively, ensuring swift resolution of issues to maintain high satisfaction and loyalty.
• Collaborate with the service and operations teams to ensure seamless processing of all client transactions and requests.

Process Innovation, Automation & Digitalization

• Drive continuous process improvement through innovative, automated, and digital solutions once required

Business Control & Governance

• Ensure adherence to the bank's policies, regulatory requirements, and industry standards in all operational activities.

Self/People Development & Continuous Learning:

• Continually update oneself through knowledge acquisition, on-the-job training, or project involvement; advocate and support others to do the same.