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Job Description
Business Growth
· Cascade the sales targets assigned by the Zone Manager to branch staffs.
· Identify and implement action plans and regularly track and review performance to ensure the achievement of the set targets cascaded down by the Zone Manger and business growth objectives.
· Meet regularly with the branch customers including important/ high net worth customers in order to assist in the growth of business
· Manage the product portfolio of each line of products and control the cost and profitability of the branch.
Customer Service
· Maintain high levels of customer service of all front office functions such as Cash Management, Remittances, drafts, Account opening/ inquiry & maintenance, sales and after sales by efficiently abiding to the process and by reducing customer waiting time and service time.
· Promote high level of customer service culture among the branch staffs for potential acquisitions.
Service Quality & Business Operations Control
· Attend all audit requirements and strive to have a null /low risk audit rating and ensure that all the branch operations are in accordance to the established Bank’s policies, operating manuals, service quality standards and code of conduct for smooth workflow, high service quality, and low level of operational risk and report any deviation to the management.
· To maintain a low risk level of cash difference by following diligently the process set by maintaining detailed accounting records of daily cash flow as well as regular review of daily MIS reports, checking notes, denominations & security items in order to ensure accurate delivery of cash to customers.
· Monitor continuously customer complaints and mystery shopping results and recommend necessary measures and initiatives to improve the score and to ensure high customer satisfaction
· To ensure a high level of safety & security measures are in place as well as to maintain a proper communication with the police department whenever it is required.
Internal Process
· To lead any branch projects jointly with the Zone Manager (Service Quality Programs, Process changes, sales… etc) and support the launch of new products and services as per the consumer banking business plan.
· To maintain an accurate archives file for all branch transaction records, vouchers, stationary reports…etc.
· Follow up on various cases with all the concerned stakeholders such as customers, internal Bank’s departments in order to ensure 100% closing mandates.
Training & Development
· Analyze the training and development needs of staff and nominate them for an appropriate training courses in order to close the skill gaps and ensure that all staff are well trained and fully aware of DIB products and services, policies and procedures.
· Build and maintain effective communication skills with branch’s staff by conducting regular staff meetings and discussions in order to have a high level of staff engagement and Job satisfaction.
· To ensure proper staff management in terms of annual leave, performance appraisal, two days off as well as to ensure a proper resources allocation in order to meet the branch business requirements.
Competencies/Skills
Ability to identify customer needs.
Ability to apply Sharia principles on Bank’s transactions
Ability to distinguish fake notes & security items and suspicious cases.
Internal: All Bank’s Departments
External: Central Bank, Customers, External Auditors
High Diploma / Bachelor’s degree as a minimum, Master’s degree will be an advantage
Minimum 4 years
Banking Products, Services and Operations Knowledge
Banking/Operations Workflow Knowledge
Branch Fund Management
Budgeting and Planning
Channel Management
Customer Servicing/Relationship Management
Documentation
Islamic Product Selling Skills
Regulatory and Compliance Knowledge
Sharia Principles of Islamic Finance
Act with Ownership
Empower to Decide
Engage the Customer
Share Knowledge & Work as One
