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:

• Coordinate with BMO to allocate targets/KPIs to staff.
• Review and control operating costs within budget limits.
• Appoint personnel to specific positions based on expertise.
• Recruit within budget limits to drive business growth.

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:

• Directly train, educate, and provide career guidance for Center employees.
• Create a professional and friendly working environment.

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.).