- KYC:
- Collect/research about the assumptions and sources of potential customers (leads) to understand the characteristics, needs, markets, competitive banking products ... of USME customer segments / assigned focus sub-segments./
- Collect / learn about the assumptions and sources of potential customers (leads) to understand the characteristics, needs, markets, competitive banking products ... of USME customer/ assigned focus sub-segments.
- Collecting, analyzing information about customers: operating, methodology, business plans, financial statements, .. to understand the characteristics và business model, customer's key success and risk factors, customer needs by assigned USME segment / sub-segment and consult financial solutions for customers
- Continuously update product knowledge, features, benefits, selling points and related policies to advise customers about:
- Standard Product and Service, package product, business program including deposit, credit, services, trade finance, foreign exchange, derivatives, and other products for USME business customers.
- Price policy based on financial plan with customers (ACP) / risk (RORWA) / performance on risk assets (TOI / RWA) / life cycle value of customers (CLV) according to regulations of TCB
- Sales và Services:
- Establishing relationships with new customers according to the list of assigned customers or self-seeking customers through relationships, forums, conferences…; building and developing relationships with existing customers, managing portfolio (in terms of sales, quality, structure ...); promote sale, cross-selling to increase wallet share and portfolio quality according to TCB's oriented strategic
- Sales planning, business opportunity identification and identification (ACP) with target customers.
- Financial consulting for customers: consulting in business planning, methods of managing financial statements, managing cash flows, costs and profits; coordinating with product sales departments and related units to build overall, optimal financial solutions on the basis of customer knowledge and industry developments, ensuring customers are best served according to service model regulated by TCB in each period.
- Customer care: taking care of customers in the managed book, transferring CVP to customers and implementing quality commitments (TATs / SLAs) to enhance customer experience and satisfaction at TCB
- Credit risk management:
4.2. Credit Appraisal
- Collect records, documents; monitor, update relevant information about the Customers, the Customer's business situation to serve the account management, propose solutions, evaluate, appraisal and take care of the Customer..
- Manage post-Lending of the book in accordance with regulations issued by CIBG Division and Risk Management.
- Propose, coordinate and implement measures in dealing with overdue debts for managed customers.
- Prevent risks in business activities in accordance with the Bank's regulation in each period.
- Operating:
- Absolutely comply with regulations, procedures, instructions ... related
- Actively identify and manage operational risks related to the book managed.
- Organization và Personnel:
- Develop yourself to complete missions and adapt to work-related change.
- Closely cooperate with related positions, towards the common targets of the bank.
- Effective management:
- Strictly manage business performance compared to the assigned target
- Manage existing customer book (in terms of sales, quality, structure ...), promote additional sales, cross-sell to increase wallet share and portfolio quality according to TCB's orientation.
- - Others:
- As assigned by the USME Director.
University degree prioritizes Economics / Finance / Banking / Business Administration / Accounting / Auditing
Minimum of 8+ years in the field of sales, appraising business customers.
English: Minimum TOEIC 550 or equivalent
Công Ty CP Đầu Tư SK là đơn vị nhập khẩu và phát triển độc quyền thương hiệu SK Sumikura tại Việt Nam. Kể từ khi thành lập vào năm 2007, công ty đã nhanh chóng phát triển 3 chi nhánh tại các trung tâm kinh tế lớn như Hà Nội, Đà Nẵng, thành phố Hồ Chí Minh, cùng 5000 điểm bán hàng trên toàn quốc.
SK Sumikura là công ty đầu tư và kinh doanh đa ngành: cho thuê kho xưởng, kinh doanh giấy báo và đầu tư tài chính, sản xuất sản phẩm điện lạnh và điện gia dụng như máy điều hòa, máy giặt, tủ đông… Các mặt hàng với xuất xứ từ các nước Asia như Malaysia, Trung Quốc, Việt Nam đáp ứng nhu cầu đa dạng của khách hàng. Bên cạnh ưu điểm về chất lượng sản phẩm, chúng tôi còn chú trọng phát triển dịch vụ hậu mãi, tư vấn kỹ thuật và chăm sóc khách hàng. Đó chính là lý do giúp SK Sumikura nhanh chóng khẳng định được uy tín trên thị trường, và bằng chứng rõ ràng nhất cho điều này đã được thể hiện ở tốc độ tăng trưởng ổn định qua từng năm.