Job Description

1. Planning:

Collaborate with Regional Director to assess the business potential of the Center and establish annual targets/budgets.
Negotiate and align the Center's goals/budget with the Regional Director.
Develop the operational plan for the Center, reviewing and aligning it with the Regional Director.

2. Supervising Planning and Budget Processes:

3. Effective Operations Management:

Responsible for the Center's sales activities, including revenue generation, pre-tax profit, and enhancing overall cost efficiency in delivering services to customers.
Oversee proposed credit grade quality and the quality of the portfolio for lending (NPL).
Improve key performance indicators, including loan and deposit growth, new customer acquisition, product/customer quantity, and enhance customer satisfaction.

4. Ensuring Service and Sales Quality:

Manage daily sales and service activities.
Ensure quality and efficient credit processing (escalating files to approval units, post-approval processes) and minimize credit processing time for customers.
Plan and implement programs to attract new MSME customers for the Center.
Approve financial expenses within the delegated authority.

5. Implementation of Marketing Programs and Products:

Plan and implement Center-specific programs if necessary.
Manage community relations and actively develop potential local customer relationships.
Ensure compliance with company regulations and guidelines.
Train sales staff, actively using CRM, product knowledge, sales funnel management to improve sales efficiency and productivity.

6. People Management:

Monitor and manage actual business performance against the overall Center budget and targets.
Conduct periodic business performance reviews and work with department heads to evaluate employee performance.

7. Leadership and Regular Employee Guidance:

Job Requirements:

1. Work Experience, Education - Specialization:

Bachelor's degree or higher in business administration, economics, finance/banking.
Minimum of 10 years of experience in financial and banking sectors, with 5-7 years in business roles serving the SME segment.

2. Knowledge, Skills, Professional Competencies:

Knowledge of service/product offerings, market, industry dynamics, and SME customer needs.
Updated understanding of regulations, procedures, legal requirements, and risk management policies related to the business operations of the bank.
Innovative problem-solving skills, sharp business acumen, and the ability to identify sales opportunities.
Communication and presentation skills, effective leadership, and motivation of teams.

Benefits:

Competitive income, performance-based bonuses.
Holiday and Tet bonuses (as per bank policies).
Preferential loan policies (as per bank policies).
Attractive leave entitlements based on job levels.
Mandatory labor insurance + company care insurance for employees based on job levels and length of service.
Participation in training courses based on position-specific training frameworks.
Working hours: Monday to Friday & Saturday morning twice a month.
Dynamic, friendly working environment with numerous learning, training, and development opportunities; participation in various cultural activities (sports competitions, talent contests, team-building activities, etc.).