MM Senior Relationship Management Manager

1. Customer Insight

- Collect / learn the assumptions and sources of potential customers (leads) to understand the characteristics, needs, markets, competitive banking products ... of the MM segment / key sub-segment assigned ./

- Collect and analyze information about existing customers, operational status / methods / business plans, financial statements, ... to understand customers, needs and be able to advise on business plan for customers.

2. Products and Price:

Update and define products and price policies to advise customers:

- Standard products and services, product packages and business programs including mobilization, credit, services, commercial finance, forex, derivative products and investment in MM customers according to TCB&aposs regulations from time to time.

- Price policy based on financial plan with customers (ACP) / risk (RORWA) /efficiency on risky assets (TOI / RWA)/life cycle value of customers (CLV) according to Techcombank regulations.

- collect information, competition policy of portfolio management customers.

3. Sales and service:

- Establish relationships with new business customers according to leads assigned or self-search

- Manage and develop existing customer portfolio (sales, quality, structure ...), promote upsale, cross-sell to increase wallet share and portfolio quality according to TCB&aposs strategic direction.

- Financial consulting for customers: Coordinate with product sales departments and related units to develop overall, optimal financial solutions to ensure customers are best served according to the service model regulated by TCB from time to time.

- Make sales and service plans with each customer through ACP and implement customer relationship strategy oriented by TCB

- Customer care: Responsible for taking care of customers in the management list, fully implement service quality standards, commitments to quality of service according to TCB&aposs regulations to increase customer experience and satisfaction at TCB

4. Risk management

4.1 Credit risk management

-Be responsible for end-to-end credit risk management on the portfolio managed by the Client. Directly perform / coordinate with Risk Management Division to appraise customers;

- Credit appraisal: Collect records, documents; check, supervise, update relevant information about customers, customer&aposs business situation to serve customer appraisal, propose solutions and submit for approval.

- Post-credit management: Manage, supervise after credit granting, identify early warning signs and implement risk handling instructions/directions. Manage the debt collection process for customers, participate in the debt settlement process according to regulations.

4.2.Operational risk management:

- Grasp and absolutely comply with regulations on operational risk management.

- Actively identify and manage operational risks related to the customer portfolio being managed