MAJOR ACTIVITIES:

Developing a business plan:

Propose/suggest to the Department/Team Manager regarding the development of the department/team's business plan.

Receive the business plan and implement it:

Receive business plan and Key Performance Indicators (KPIs) assigned by the Center Director/Department Manager.
Develop a plan to target customer acquisition (AP) and coordinate with the Sales and Customer Care Director/Team Leader (if applicable) to implement it (with the support of the Department Manager/Center Director) in order to achieve individual and team objectives.

Customer Development and Risk Management:

Manage existing customer portfolio and potential customers.
Establish and build strong relationships with customers to sell Corporate Banking products, provide advice on suitable financing options.
Enhance the exploration of new customers.
Expand the exploration of new investment opportunities/options for existing customers.
Act as a representative of the bank to address any customer issues and proactively connect with relevant departments to resolve them in a timely manner.
Collaborate with Business Development and related departments to restructure and maximize sales for Corporate Banking customers.
Guide Account Relationship Managers (ARMs) and support Relationship Managers (RMs) within the team in preparing credit proposals and related documents.
Review and control credit proposals of the customers under your management before submitting them to higher levels (Department Manager/Approving Experts/Center Director/CMB Leadership).
Present and defend credit proposals/service usage proposals (if applicable) at credit approval committees at all levels.
Regularly review the existing portfolio to identify early warning signs of potential risks and report to the Department Manager, coordinating with relevant parties to propose/develop response plans for emerging or potential risks and implement risk management plans for each customer.
Manage credit quality, control the quality of transactions for customers under your management, and collaborate with Senior Relationship Managers (SRMs)/Team Leaders (if applicable) to report to the Department Manager and/or Center Director in case of any unusual occurrences regarding credit disbursements, debt management, and timely debt recovery.
Collaborate with ARMs to report customer meetings to the Department Manager/Center Director/Division Director.
Coordinate with ARMs to prepare relevant credit reports.
Coordinate with the designated department of the Division to serve regular and ad-hoc inspections, audits, and control requirements.

Product Development, Process Improvement, Service Quality:

Propose/contribute ideas to develop and improve product processes, policy mechanisms, operational methods, etc., to enhance the service quality of VPBank.
Provide input to the Business Development department of the CMB Division to develop incentive programs/promotions to drive sales during different periods.
Collaborate with relevant departments to develop new products that are suitable for business practices.
Human Resources Management:
Support Relationship Managers (RMs) and provide guidance to Account Relationship Managers (ARMs) within the team in customer management, internal transactions, and developing ARMs into potential RMs.

REQUIREMENTS:

Educational Qualifications:

Graduated from university or higher education in the fields of economics/finance/banking/business administration.

Relevant Experience:

Minimum of 4 years of experience working directly in the Corporate Customer segment, Priority will be given to candidates who have experience in the large enterprise customer segment, with revenue of 600 billion or more.

Relevant Knowledge/Expertise:

Understanding of banking and corporate regulations, policies, and products.
Knowledge of the market and business operations of Corporate Customers, as well as the main financing sectors within the Corporate Customer Division.
Strong knowledge of finance, credit appraisal, and risk management.

Skills:

Sales skills and ability to identify suitable potential customers.
Negotiation skills and relationship-building abilities.
Effective communication skills and good teamwork.
Creative thinking and ability to work under pressure.

Relationship Manager/Senior Relationship Manager (Wholesales banking) - HCM/Ha Noi