Job Purpose
Develop and manage relationships with new and existing MSME and SME (priority SME) business customers; responsible for advising on products and services, customer care, monitoring customer status in the managed portfolio, including risk management and debt collection follow-up to achieve assigned business targets for the business customer segment.
Key Accountabilities (1)
1. Customer Understanding:
- Collect/research insights and potential customer sources (leads) to understand the characteristics, needs, market, competitive banking products... of the MSME, SME (priority SME) customer segment/assigned key sub-segment.
- Collect and analyze information about existing customers, their operational status/business methods/plans, financial reports,... to understand customers, their needs and be able to advise business solutions to customers.
2. Products and Pricing:
- Products (SP) and product pricing policies offered and advised to customers: Standard service products (SPDV), product packages, business programs (CTKD) including mobilization, credit, services, trade finance, foreign exchange, derivative products, and other products for MSME, SME business customers.
- Pricing policy based on financial plan with customers (ACP)/customer lifetime value (CLV) as regulated.
- Products, cross-selling and up-selling programs under PFS, WB... according to TCB's direction.
- Collect information on competing banks' products periodically as regulated or requested.
Key Accountabilities (2)
3. Sales and Services:
3.1. Establish relationships with new business customers, maintain and develop relationships with existing customers:
- Proactively schedule meetings and approach customers according to assigned leads or self-sourced.
- Build and develop customer relationships to increase transaction volume and wallet share of customers at TCB.
3.2. Provide financial advisory to customers:
- Advise customers in business planning (advise on financial assumptions, cash flows).
- Advise customers on methods of managing financial reports, cash flow management, costs and profits.
- Provide optimal financial solutions based on understanding of customer status and industry developments.
3.3. Manage customer portfolio: Manage existing customer portfolio (in terms of revenue, quality, structure...), promote up-selling and cross-selling to increase wallet share and portfolio quality according to TCB's direction.
4. Credit Risk Management:
4.1. Responsible for credit risk management from beginning to end on the managed customer portfolio.
4.2. Credit assessment:
- Responsible for customer assessment, evaluate repayment ability, collateral assets,... propose credit extension and submit for approval within authority.
4.3. Post-credit management:
Key Accountabilities (3)
5. Operational Management
- Manage and monitor after credit extension, identify early warning signs and implement guidance/risk handling direction.
- Manage debt collection process for customers, participate in handling non-performing debt that arises.
- Strictly comply with all regulations, procedures, guidelines... related.
- Proactively identify and manage operational risks related to the managed customer portfolio.
6. Organization and Human Resources:
- Develop yourself to effectively execute your role and adapt to changes related to work.
- Cooperate closely with related positions, aiming towards the common goals of the unit and the bank.
7. Performance Management:
- Effectively manage the assigned customer portfolio according to TCB's guidelines and regulations.
- Closely manage business results achieved against assigned KPIs
8. Other tasks: as assigned by the SME Director
Success Profile - Qualification and Experiences
- Job Requirements
- Bachelor's degree. Priority given to majors in Economics/Finance/Banking/Business Administration or majors related to the assigned sub-segment.
- Minimum 2 years in sales/sales support for business customers.
- Good communication, negotiation and persuasion skills, data analysis and reporting skills, and understanding of banking products and services.
- Benefits
- Competitive and attractive income negotiable based on capability.
- Clear process system/work assignment, helping employees focus maximally on advising/designing financial solutions for customers
- Participate in systematic training courses before starting official work. Regularly sponsored to participate in professional business training courses of Techcombank.
- Work in a dynamic, professional environment with many advancement opportunities
- Enjoy full benefits according to Techcombank's regulations
- Provide complete equipment to serve work.
LOCATION: Ho Chi Minh City - Thu Duc District, Binh Thanh, District 5, District 6,....
Contact Information: thuyhtt7@techcombank.com.vn - Phone: 0384376784
