Job Summary:
The Direct Sales Executive (DSE) - Card Business will be responsible for acquiring new-to-bank card clients, cross-selling to existing card clients, and ensuring compliance with all necessary documentation and regulations. Reporting directly to the card sales manager, the DSE will play a pivotal role in driving the growth of card products (credit cards, debit cards, and prepaid cards) within the bank.
Key Responsibilities:
Corporate & Business banking credit card sales
- Prospect for credit card sales from corporate and business banking customers
- Product training; for customers and internal staff
- Supporting corporate and business banking RMs in driving credit card sales
- End to end support and resolution of customer issues
- Ensure compliance with bank and regulatory requirements for card sales.
New-To-Bank Card Client Acquisition:
- Actively prospect and approach potential customers to promote card products offered by the bank.
- Conduct cold calls, door-to-door visits, and participate in marketing events to generate leads and acquire new card clients.
- Educate potential customers on the features, benefits, terms, and conditions of card products to facilitate informed decision-making.
Cross-Selling to Existing Card Clients:
- Identify opportunities to cross-sell additional card products and banking services to existing cardholders.
- Build and maintain strong relationships with existing card clients to understand their needs and offer appropriate solutions.
Customer Documentation and Compliance:
- Collect and submit all required customer documentation for onboarding new card clients, ensuring completeness and accuracy.
- Provide necessary declarations and disclosures to customers in accordance with I&M Bank’s policies, procedures, and regulatory guidelines set forth by the Central Bank of Kenya.
Sales Targets and Reporting:
- Meet or exceed sales targets set by the card sales manager through effective sales techniques and relationship building.
- Maintain accurate records of sales activities, customer interactions, and pipeline management for reporting purposes.
Customer Service and Relationship Management:
- Provide excellent customer service by addressing customer inquiries, resolving complaints, and ensuring a positive customer experience throughout the sales process.
- Build and maintain strong relationships with customers to foster loyalty and encourage repeat business.
Qualifications and Skills:
- Bachelor’s degree in business administration, Marketing, Finance, or related field.
- Proven experience in sales, preferably in the banking or financial services industry.
- Strong understanding of card products (credit cards, debit cards, prepaid cards) and banking services.
- Excellent communication and interpersonal skills.
- Ability to work independently and as part of a team.
- Knowledge of regulatory requirements related to customer onboarding and documentation.
- Results-oriented with a track record of achieving sales targets.
- Proficiency in Microsoft Office Suite and CRM software.
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