Position Scope:

This position is responsible for implementing Strategies to drive Sales performance of Retail Islamic Banking products through efficient allocation of resources and managing priorities to deliver the Bank's profitability goals by planning, directing and management of Sales activities across Retail Islamic Banking market segments in addition to driving customer experience at the IB customer touch points.

Education/Professional Qualifications, Skills & Experience:

• Bachelor's degree in commerce, economics or a business-related field from a recognized University.
• Professional Certification in Sales & Marketing & Islamic Banking is an added advantage.
• A minimum of 4 years' experience in Banking of which at least 2 years in Relationship Management.
• In-depth knowledge of Islamic banking principles and Sharia'h law application.
• Relationship management skills.
• Passionate, dynamic and ability to adapt quickly.
• Strong commercial acumen and analytical skills.
• Team player and ability to deliver with cross functional teams.
• Negotiation and stakeholder engagement.
• Excellent interpersonal and communication skills
• Ability to make operational and routine decisions in a timely and effective manner.
• Able to withstand operational challenges and maintain momentum.
• Manages emotions in a mature and composed manner as expected.

• Implement sales strategies to deliver Superior Sales performance through efficient allocation of resources and managing priorities to deliver against ambitious economic profit performance goals set.
• Set targets and drive the retail sales team towards achieving and exceeding the targets set, through monitoring, review and continuous communication of performance levels.
• Drive cross selling and by tailoring liability and asset solutions to deepen client relationships at Branch Level through Business Bankers, DSR and the IB Sales team.
• Collaborate with Product partners to develop product bundles, pricing & campaigns to improve cross product holding ratio and portfolio growth in addition to providing feedback of product performance and support the roll out of new products.
• Initiate and collaborate with channels, product, and functional teams to identify and develop product solutions to meet the needs of the Islamic Banking segment and improve customer service delivery through turnaround times, service level agreements and process improvements.
• In liaison with credit division to ensure that credit criteria is robust and balanced for growth of Islamic Banking.
• Liaise with Business Bankers, DSR, IB Sales team to ensure portfolio quality of new/ existing Islamic Banking retail products and services and manage the loan book and maintain the non-performing portfolio to bare minimum as per industry best practice.
• Promote excellent customer experience by driving and advocating customer requirements through the various functions in the bank to deliver high service standards that delight the bank's customers.
• Ensure full compliance with Islamic Banking standards and guidelines while adhering of the Bank's policies and procedures.
• Collaborate with Branch Managers and ensure to drive account utilization and sustainable deposits.
• Drive transactional income from Islamic Banking clients through effective customer service and cross selling the Bank's products and services.
• In liaison with other stakeholders, ensure quality portfolio management by effective identification of risks and their mitigations.
• Ensure customer value proposition is implemented in compliance with external & internal regulations & policies i.e. Operational, Credit, Reputational & People Risk and ensure compliance with KYC requirements in the course of business.
• Any other duties as may be assigned by Management from time to time.

• Relationship management skills
• Strong commercial acumen and analytical skills
• Team player and ability to deliver with cross functional teams
• Negotiation and stakeholder engagement
• Excellent interpersonal and communication skills
• Ability to make operational and routine decisions in a timely and effective manner
• Able to withstand operational challenges and maintain momentum
• Manages emotions in a mature and composed manner as expected

• Bachelor's degree in commerce, economics or a business-related field from a recognized University
• Professional Certification in Sales & Marketing & Islamic Banking is an added advantage
• A minimum of 4 years' experience in Banking of which at least 2 years in Relationship Management
• In-depth knowledge of Islamic banking principles and Sharia'h law application