Job Purpose
The person in this position is responsible for:
- Ensuring advisory and provision of personal financial products and services suitable to customer needs, in order to deliver the best experience for customers.
- Ensuring compliance and minimizing risk when processing transactions and providing products and services to customers.
Key Accountabilities (1)
1. CUSTOMERS: ADVISE AND PROVIDE PERSONAL FINANCIAL PRODUCTS AND SERVICES SUITABLE TO CUSTOMER NEEDS.
- Receive and understand customer information to advise and provide products and services suitable to customer needs or introduce to relevant positions as prescribed in order to deliver the best experience for customers.
- Develop, advise and provide personal financial products and services suitable to customer needs from the customer list assigned in each period.
- Develop customers through sales channels according to the bank's direction in each period.
2. PRODUCTS AND SERVICES: ENSURE AND IMPROVE SERVICE QUALITY, HELPING TO DELIVER THE BEST CUSTOMER EXPERIENCE
- Execute transactions/advisory as requested by customers accurately, completely, quickly and timely, ensuring compliance with SLAs and service quality standards.
- Update information on products, processes/regulations, marketing programs, new sales campaigns and Techcombank guidance in each period in order to provide the bank's services to customers in the best way.
- Receive and resolve customer requests and complaints in accordance with Techcombank regulations.
- Make recommendations to relevant departments to help improve issues regarding products, processes and policies in each period.
Key Accountabilities (2)
3. SYSTEMS: COMPLIANCE OPERATIONS AND RISK MANAGEMENT
- Perform work in accordance with the bank's policies, processes, regulations and guidance.
- Perform customer information identification as well as warning signs before, during and after customer transactions, ensuring compliance with Techcombank procedures, regulations and laws.
- Manage credit risk and operational risk on the assigned customer list in accordance with the bank's regulations and guidance.
- Ensure compliance with Techcombank's policies, processes and regulations.
- Comply with post-loan review procedures (monitoring the purpose of customer capital use, collateral, financial situation, etc.). Periodically as prescribed by credit products/post-loan monitoring regulations, conduct customer assessment, monitor the purpose of customer capital use, immediately notify relevant departments when customers have issues regarding financial situation, repayment capacity, purpose of capital use, etc.
- Identify, report and participate in operational risk management activities.
- Comply with information security and data security regulations.
Key Accountabilities (3)
4. HUMAN RESOURCES: DEVELOP PEOPLE AND BUILD ORGANIZATIONAL CULTURE
4.1. Self-development
- Fully participate in TCB training programs.
- Always have the spirit of self-learning in work and life - Proactively build a personal development plan.
- Always have an open attitude to sharing information with others and a spirit of readiness to embrace change.
- Take ownership and responsibility for work, aiming for outstanding results.
4.2. Build organizational culture at the unit
- Build a cohesive culture, encourage colleagues to achieve success.
- Fully understand Techcombank's organizational culture and perform duties in the spirit of core values and behavioral standards of TCB, demonstrating the DNA of a Techcomer.
5. EFFECTIVE MANAGEMENT: MANAGE PLANS AND BUSINESS RESULTS
- Build and implement personal business plans to achieve assigned business targets.
(*) Perform other related work as required by the Personal Customer Director/Branch Director.
Success Profile - Qualification and Experiences
Qualifications and Experiences:
- University degree in economics, finance, banking or foreign trade.
- Minimum 1 year of experience in the banking sector in an equivalent position.
- Experience using office software and banking financial software. - English proficiency: Not required.
Work location: Hai Phong, Quang Ninh, Hung Yen, Hai Duong
