Job Purpose
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.
Key Accountabilities (1)
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
3.1 Sale Planning and Customer Care Plan 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
3.3. Manage of sale activities and customer care actions
Monitoring, evaluating and proposing adjustments to sales and care plans for customers
Key Accountabilities (2)
Risk Management
4.1 Credit 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.
4.2 Operation risk management
Deep understanding, implement and adhere to the regulations on operational risk management
Proactively identify operational risks and make recommendations to the headquarters
Key Accountabilities (3)
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.
Key Relationships - Direct Manager
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.
Thông tin chung