- The job holder responsible for construction, development and management with customers. Responsible for consulting and sales, after-sales care / follow-up, risk management, debt collection monitoring, ... for customers assigned from time to time to (SME / MSME) to achieve target assigned.
- Customer Insight
- Collect / learn about the opinions and potential customers (leads) to understand the characteristics, needs, markets, competitive banking products ... of MSME customer segments, SMEs / focus main customer group assigned.
- Collect and analyze information about existing customers, operational status / methods / business plans, financial statements, ... to understand customers, needs and be able to advise on plans. business for customers.
- Product and Pricing
- Understand products, solutions and pricing policies for customers assigned (SME / MSME)
- Determine price policy, suitable products to advise assigned customers (SME / MSME)
- Proposing and participating in building products, solutions and pricing policies for customers with departments at Head Office.
- Sale and Service
Sales and customer care planning for assigned customer categories based on business goals and customer portfolio analysis
3.2. Sale Activities and Customer Care Actions
- Financial consulting: Consulting optimal financial solutions for customers on the basis of customer knowledge and industry developments
- Service quality: Ensuring the provision of products and services according to the process, commitment to quality of service (TAT, SLA, ...), transferring CVP to customers, contributing to increase customer experience and satisfaction
- Monitoring, evaluating and proposing adjustments to sales and care plans for customers
- Risk Management
- Responsible for credit risk management from end to end process with managing the customer forfolio.
- Credit Appraisal : Credit appraisal, credit proposal, submit to competent authorities for approval
- Post - credit management : Check after credit extension, identify early warning signs ... and ensure the correct implementation of instructions and regulations on post-loan inspection and control
- Manage the debt collection process with customers, participate in the debt settlement process according to regulations.
- Deep understanding, implement and adhere to the regulations on operational risk management
- Proactively identify operational risks and make recommendations to the headquarters
- Operation
- Perform operations in accordance with the regulations absolutely comply with the regulations, processes, instructions ... related.
- Proactively assess / propose improvement of operating procedures to direct management / HO
- Organization and Personel
- Develop yourself to fulfill your role and adapt to work-related change.
- Closely cooperating with related positions, towards the common goal of the unit and the bank.
- Effective management
- Effectively manage the portfolio of customers assigned in charge according to TCB's instructions, regulations and orientations
- Strict management of business results compared to the assigned target
- Other jobs:
- According to the regulations and orientation of the bank and as assigned by the line managers from time to time.
Director/Senior Manager/Manager responsible for SME segment
Key Relationships - Direct Reports
None
Key Relationships - Internal Stakeholders
CIBG Division; RBG Division, Risk Management Division, GTS Division, Opts Division, CA Division, HR…
Key Relationships - External Stakeholders
Customers
Success Profile - Qualification and Experiences
Degree: University degree. Specialization in Foreign Trade / Economy / Finance / Banking is preferred
Experience: Minimum 5+ years in the field of sales / sales support for corporate customers.
English : minimum TOEIC 550 or equivalent.
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