Location: Hưng Yên, Hà Nam, Hải Phòng, Bắc Ninh
Key Accountabilities (1)
1. KYC:
- Collect/research the assumptions and sources of potential customers (leads) to understand the characteristics, needs, markets, and competitive banking products ... of USME customer segments / assigned focus sub-segments.
- Collect/learn about the assumptions and sources of potential customers (leads) to understand the characteristics, needs, markets, and competitive banking products ... of USME customers/ assigned focus sub-segments.
- Collecting, and analyzing information about customers: operating, methodology, business plans, financial statements, .. to understand the characteristics and business model, customer's key success and risk factors, customer needs by assigned USME segment / sub-segment and consult financial solutions for customers.
2. Products và Prices:
Continuously update product knowledge, features, benefits, selling points, and related policies to advise customers about:
- Standard Product and Service, package product, business program including deposit, credit, services, trade finance, foreign exchange, derivatives, and other products for USME business customers.
- Price policy based on a financial plan with customers (ACP) / risk (RORWA) / performance on risk assets (TOI / RWA) / life cycle value of customers (CLV) according to regulations of TCB.
3. Sales và Services:
- Establishing relationships with new customers according to the list of assigned customers or self-seeking customers through relationships, forums, and conferences…; building and developing relationships with existing customers, managing portfolio (in terms of sales, quality, structure ...); promoting sales, cross-selling to increase wallet share and portfolio quality according to TCB's oriented strategic
- Sales planning, business opportunity identification, and identification (ACP) with target customers.
- Financial consulting for customers: consulting in business planning, methods of managing financial statements, managing cash flows, costs, and profits; coordinating with product sales departments and related units to build overall, optimal financial solutions on the basis of customer knowledge and industry developments, ensuring customers are best served according to service model regulated by TCB in each period.
- Customer care: taking care of customers in the managed book, transferring CVP to customers, and implementing quality commitments (TATs / SLAs) to enhance customer experience and satisfaction at TCB.
Key Accountabilities (2)
4. Credit risk management:
4.1. End-to-end credit risk management on the book managed. Directly perform/coordinate with the Risk Management Division to appraise customers; control, and work with relevant departments to complete procedures for approval, valuation, disbursement, and post-loan management in accordance with TCB's regulations.
4.2. Credit Appraisal:
- Collect records and documents; monitor, and update relevant information about the Customers, and the Customer's business situation to serve the account management, propose solutions, evaluate, appraise, and take care of the Customer.
4.3. Post-lending management:
- Manage post-lending of the book in accordance with regulations issued by CIBG Division and Risk Management.
- Propose, coordinate, and implement measures in dealing with overdue debts for managed customers.
- Prevent risks in business activities in accordance with the Bank's regulation in each period.
5. Operating:
- Absolutely comply with regulations, procedures, instructions ... related
- Actively identify and manage operational risks related to the book managed.
Key Accountabilities (3)
6. Organization và Personnel:
- Develop yourself to complete missions and adapt to work-related change.
- Closely cooperate with related positions, towards the common targets of the bank.
7. Effective management:
-Strictly manage business performance compared to the assigned target
- Manage existing customer book (in terms of sales, quality, and structure ...), promote additional sales, and cross-sell to increase wallet share and portfolio quality according to TCB's orientation.
8. Others:
-As assigned by the USME Director.
Success Profile - Qualification and Experiences
- University degree prioritizes Economics / Finance / Banking / Business Administration / Accounting / Auditing
- Minimum of 8+ years in the field of sales, appraising business customers.
- English: Minimum TOEIC 550 or equivalent
Interested candidates, please send your CV to mai.thanh@ev-search.com. We will get back to you with full details.
