Job Description
1. Develop direction & development objectives for the Business Household (BH) customer segment on the basis of the Retail Banking Block strategy
2. Participate in building a business model for the BH customer segment, redefine the BH customer segment criteria and design, deploy value propositions for the BH customer segment
- Participate in building a business model for the BH customer segment within the overall business model of the Bank
- Redefine criteria to evaluate and identify the BH customer segment
- Build BH customer profile, coordinate with Marketing and BMT to understand customer behavior and needs and design Customer Profile & Value Proposition for the BH customer segment
- Manage and coordinate the building, deployment, and improvement of comprehensive solution packages for the BH customer segment through directing and deciding on the characteristics of each product in the package, sales channels, appropriate sales and service models, sales force standards, incentive policies and customer care to effectively serve the BH customer segment
- Participate in building evaluation models, ranking models, pricing models and risk management for the BH customer segment at the Bank
3. Develop business plans and effectively manage the operations of the BH customer segment
- Develop annual business plans for the BH customer segment
- Manage the BH customer portfolio, seek opportunities to enhance business efficiency on the existing customer portfolio and develop new customers
- Build and manage deployment of business programs for the BH customer segment
4. Develop and strengthen the new customer portfolio through cooperation and exploitation of the Bank's ecosystems
- Coordinate with functional units within the bank to identify partnership cooperation opportunities with the retail banking (KHCN) segment
- Design solutions and develop implementation programs with partners to attract new KHCN customers on a broad scale / in large numbers
- Generate customer leads and transfer to business units for approach and exploitation
5. Manage the service model for the BH customer segment and manage BH customer experience
- Build and manage service models for the BH customer segment
- Participate in building a customer experience management system and ensure the level of satisfaction with the BH customer experience with the Bank
- Make requirements for membership policies and related procedures and regulations regarding identification, ranking, loyalty programs,... for BH customers
6. Manage, operate and develop human resources within the department
- Ensure the department's activities comply with internal policies, regulations, procedures, guidelines… and service quality commitments (SLAs)
- Manage resources (develop staffing plans, coordinate human resources, training, develop successor teams, build development roadmaps for employees, build delegation mechanisms, recognition and performance evaluation of employees….) within the department, ensuring adequate and quality resources are maintained.
- Build budgets according to annual activity plans, manage the department's operating budget within approved limits.
7. Perform other tasks as required/directed by the Bank's leadership
Job Requirements
Education Level:
- Education: Bachelor's degree / Master's degree or higher, majoring in: Economics, Finance, Banking
- Foreign language: English (TOEIC 650 or equivalent certificates)
- IT: Office IT, proficient use of Word, Excel, PowerPoint
Related Knowledge / Expertise:
General knowledge:
- Have a foundation of knowledge and understanding of economics, finance, banking, and markets
- Understand Vietnam's economy; important policies and regulations of the State Bank of Vietnam
- Understand the banking system and VPBank's system
Professional knowledge:
- Professional knowledge about customer segments and clear understanding of retail banking (KHCN) / BH customer behavior and needs
- Understand the basic and in-depth product and service systems of commercial banks, especially products and services provided to KHCN / BH customers
- Understand the system of policies, procedures, and regulations related to KHCN
Skills:
- Management skills
- Decision-making skills
- People management and employee motivation skills
- Communication skills
- English language skills
Related Experience:
- Professional experience: Minimum 10 years of experience in the finance-banking field
- Management experience: Minimum 5 years of experience in the finance-banking field
Required Competencies:
Behavioral competencies/Attitude:
- High sense of responsibility
- Openness to learning
- Integrity
General competencies:
- Communication and presentation ability
- Networking and negotiation ability
- Ability to apply knowledge to work effectively
Management/Leadership competencies:
- Strategic thinking ability
- Planning and effective operational management ability
- Leadership and people management ability
- Change management ability
Professional competencies:
- Customer understanding ability
- Customer behavior and needs analysis ability
- Portfolio management and analysis ability
- Solution design ability
- Program building and effective deployment management ability
Benefits
- Attractive income, competitive salary and bonus according to ability
- Bonuses for holidays and Tet (according to bank policy in each period)
- Preferential loans according to bank policy in each period
- Attractive leave policy according to job level
- Mandatory insurance according to labor law + VPBank care insurance for employees depending on level and length of service
- Participate in training courses depending on the training framework for each position
- Working hours: Monday – Friday & 02 Saturday mornings / month
- Dynamic, friendly working environment with many opportunities to learn, train and develop; participate in many interesting cultural activities (sports competitions, talent competitions, team building activities...)
Core Values
1. ASPIRATION
2. INTEGRITY
3. EFFECTIVENESS
4. DISCIPLINE
5. INNOVATION