Job Description

Job Purpose Summary

The incumbent is mainly responsible for providing efficient, friendly and quality service to customers; answering queries, providing information and guiding customers through various banking procedures; marketing the Group's products and services and encouraging customers to increase their business with the Group.


Essential Duties & Responsibilities by Dimensions

A. Shareholder & Financial:

Proactively market the Group's products to increase sales volume and profitability, and to achieve or exceed set targets and goals. Strive to be mindful of Key Performance Indicators (KPIs) for branch customer service performance monitoring and quality measurement purposes. Implements KPI's and best practices for Associate, Customer Services Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank. Act within the limits of the powers delegated to the incumbent.

B. Customer (Internal & External):

Enhance the Group's image through pro-active customer-driven servicing of their needs in support of the goal of exceeding customer expectations. Attends and resolves all customer queries at the branch within specified TAT to ensure customer satisfaction. Cross-sell products to customers and leverage on existing customer base to improve profitability while driving customer retention. To assist customers in all their queries on Bank's product and seek solution to their requests. Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn around time. Build and maintain strong/effective relationships with related departments/units to achieve the Group's objectives. Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required.

C. Internal (Processes, Products, Regulatory):

Act as the first point of contact for customers, especially for new customers, answer their queries and provide information about various products and services offered by the Group. Perform certain customer related tasks such as posting account opening, customer data maintenance, issue of balance/no liability certificates etc. Assist customers in filling out various forms and applications as requested such as opening an account; applying for an ATM, credit cards and checkbook; standing order instructions etc. Coordinate with tellers and branch operations staff on an "as is needed" basis to ensure smooth operations, and timely and friendly service delivery. Receive loan applications from customers and prepare the corresponding loan agreements, prepare Foreign Bills for Collection (FBC) requests, check dormant accounts, and approve customers' signatures. Should be able to assume teller or branch operations staff responsibilities at peak times, or whenever necessary. Refer to Manager, Customer Services for any unresolved queries on transactions handled. Monitors the service standards operational in the branches and looks for creative ways to improve service delivery. Ensures compliance to internal service quality standards and compliance to audit requirements

D. Learning & Knowledge:

Possess working knowledge of branch customer service to carry out duties and responsibilities. Identify related areas for professional development of self. Proactively identify areas for professional development of self and undertake development activities. Seek out opportunities to remain current with all developments in professional field.

Education and Experience RequirementsCollege Diploma OR Bachelor degree University graduate preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study), No years of experience required

Required Special SkillsExcellent oral and written communication skills (including report writing) in English and Arabic. Good interpersonal and presentation skills. Understanding of the relevant laws, regulations, and practices. Ability to make decisions and follow through with initiatives. Personal integrity and self-management. Planning, organising, and analytical ability. Results oriented. * Strong analytical skills and the ability to communicate both verbally and in writing with all levels of management.