Manage and grow a portfolio of affluent and high-net-worth clients by providing personalized service, identifying financial needs, and selling or cross-selling banking, investment, and insurance products. Acquire new clients, meet revenue and portfolio targets, maintain client loyalty, and protect the bank through ethical sales practices and attention to fraud and service risks.
Job Purpose
To provide his portfolio customers with personalized service so as to develop close relationships, achieve maximum profitable contribution for the bank and retain their loyalty.
Nurture the clients and enable them to Mashreq Plus eligibility for upgrading them to Certified F-F RMs.
Enhance Mashreq Plus Balance sheet sales and promote the cross selling of bank product to existing potential customers.
Safeguard the bank from potential loss
To continue to maintain and improve the quality of service offered to Priority customers.
Acquire ‘new to bank’ affluent customers.
Reach financial goals set for the role by the business as per annual and monthly financial targets, including x-sell and up-sell of products to customers, to existing and new to bank customers.
Key Result Areas
Optimize the potential value of the client base through the delivery of MG Products and Services
Communicate with HNW client and identify their financial needs
Achieve Revenue Goals, sales and portfolio growth targets across a range of products and services
Maximize profitability from the Mashreq Plus base whilst countering competition from other providers offering alternative investments / WM opportunities
Acquire New to Bank HNW clients.
Maintain a superior customer service experience for clients including preempting issues and proactive servicing.
Safeguard the bank from potential loss / AML fraud / and ensure ethical behavior at all times during and after sales.
Enhance market profile and awareness
Minimize customer attrition
Maintain proactive client contact.
Operating Environment, Framework and Boundaries, Working Relationships
Operates in Mashreq Plus environment where the job holder interacts with customers through telephone, emails and face to face (when necessary).
Operates within standard rules and guidelines set by bank and additional ones set by Mashreq Plus Product & Proposition and Governance & Controls.
Frequently interacts with CCU, CPC, GSU, CAM and Governance to ensure smooth running of business.
Interact with product managers / line managers to constantly provide feedback on competition and client response to product / services
Ensure client expectations are constantly met
Problem Solving
Ability to understand customer’s financial needs on a one on one basis
Intricate understanding of products pertaining to HNW customers – both internal and external (competitors)
Advanced Market knowledge of various investment vehicles / markets / economics
Accurate projection of sales numbers
Proactive action on customer feedback and needs
Timely escalation of service issues
Decision Making Authority & Responsibility
The job holder requires to possess to review customer relationship, bank policy and financial objectives to take decisions on charges reversal recommendations and maintenance & deviation recommendations.
Pricing discretion for effective relationship Management
Strong responsibility for Ethical selling to customers with complete disclosure about products and services
Knowledge, Skills and Experience
University Graduate.
Excellent communication and negotiation skills.
Fluency in English is mandatory. Arabic language is an added advantage.
At least, 2 years’ experience in a similar job with another bank / financial services.
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Marketing Manager
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