Department: Commercial / Sales
Reporting to: Commercial Head
Job Summary
The Sales Executive is responsible for managing the full customer lifecycle, from prospecting and business development to deal closing, relationship management, portfolio monitoring, and early-stage collections. This role requires strong consultative selling skills, credit awareness, and the ability to build long-term partnerships with SME customers while ensuring healthy portfolio quality.
Key Responsibilities
1. Business Development & Lead Generation
- Identify and acquire qualified SME customers through various channels, including direct sales, referrals, partnerships, networking, and digital sourcing.
- Develop and execute sales strategies to achieve monthly and quarterly targets.
- Build and maintain a healthy sales pipeline with consistent lead generation activities.
- Conduct market research to identify new business opportunities and industry trends.
2. Customer Consultation & Financial Assessment
- Understand customers business operations, financing needs, and cash flow.
- Provide suitable financing solutions based on customers business models and funding requirements.
- Educate customers on Jenfi's products, financing structure, repayment terms, and application process.
- Collect and verify required documents for credit assessment.
3. Deal Structuring & Closing
- Coordinate with Credit, Risk, Operations, and Legal teams throughout the approval process.
- Prepare financing proposals and negotiate commercial terms with customers.
- Manage the entire sales cycle from initial contact to contract signing and loan disbursement.
- Ensure timely turnaround while maintaining compliance with internal policies.
4. Portfolio & Relationship Management
- Serve as the primary relationship manager for assigned customers throughout the financing lifecycle.
- Maintain regular communication with customers to understand business performance and future funding needs.
- Identify opportunities for repeat financing, upselling, cross-selling, and customer referrals.
- Monitor portfolio performance and proactively manage potential risks.
5. Collections & Portfolio Quality
- Take ownership of assigned customer portfolio quality.
- Follow up on repayments and ensure customers make timely payments.
- Handle early-stage delinquent accounts (DPD 1–10) through proactive communication and payment reminders.
- Work closely with the Collections team for accounts that require further recovery actions.
- Escalate high-risk cases promptly and recommend appropriate action plans.
6. Cross-functional Collaboration
- Work closely with Credit, Operations, Finance, Customer Success, and Collections teams to deliver an excellent customer experience.
- Provide market feedback and customer insights to support product development and process improvements.
- Ensure compliance with company policies, regulatory requirements, and internal controls.
Key Performance Indicators (KPIs)
- Monthly loan disbursement volume.
- Number of new customers acquired.
- Portfolio quality (NPL/ DPD performance).
- Customer retention and satisfaction.
- Collection performance for DPD 1–10 accounts.
- Pipeline quality and sales activity metrics.
Qualifications
- Bachelor's degree in Business, Finance, Banking, Economics, or related fields.
- 2–5 years of experience in B2B sales, SME lending, fintech, banking, or financial services.
- Experience managing the full sales cycle is highly preferred.
- Strong understanding of SME financing and credit fundamentals.
- Excellent negotiation, communication, and relationship management skills.
- Self-driven, target-oriented, and able to work in a fast-paced startup environment.
Benefits
- Competitive salary package, negotiable based on experience and performance.
- Full salary during probation period.
- Full social insurance contribution based on gross salary.
- Bao Viet premium healthcare insurance for employees and their families.
- 15 days of annual leave.
- Additional 10 days of special leave, including: (4 sick leave days, 4 family care leave days, 1 birthday leave day, 1 parents leave day)
- Company-provided working equipment.
- Travel and transportation expenses covered by the company.
