Retail Banking Officer- Multiproduct

A Retail Banking Officer – Multiproduct is responsible for promoting and selling a range of banking products and services to individual customers. This role focuses on understanding client needs and offering tailored solutions across multiple banking verticals such as savings accounts, credit cards, personal loans, auto loans, insurance, and investment products. The officer serves as a key point of contact, providing excellent customer service while ensuring compliance with internal policies and regulatory guidelines.

Responsibilities:

• Identify and approach potential customers to promote and cross-sell various retail banking products

• Build strong relationships with new and existing clients to understand their financial needs

• Meet assigned sales targets for multiproducts including loans, credit cards, and insurance

• Conduct needs analysis and present product recommendations aligned with customer requirements

• Guide customers through the application and documentation process for each banking product

• Ensure a high level of customer satisfaction through prompt and professional service

• Maintain up-to-date knowledge of banking products, services, and industry trends

• Participate in marketing campaigns, product promotions, and community outreach programs

• Monitor and follow up on application statuses and customer feedback

• Ensure compliance with internal policies and regulatory requirements during all transactions

Requirements:

• Bachelor’s degree in Business Administration, Finance, or a related field

• Minimum 1-2 years of experience in retail banking or financial sales

• Strong knowledge of retail banking products such as credit cards, personal finance, and deposits

• Excellent sales, negotiation, and interpersonal skills

• Strong customer service orientation with a professional demeanor

• Ability to handle multiple product lines and work under pressure to meet targets

• Proficiency in MS Office and CRM tools

• Fluent in English; additional languages are a plus

• UAE experience and local market knowledge is advantageous

• Positive attitude, high level of initiative, and a team-player mentality