Job Purpose
- The job holder establishes relationships, develops, and manages relationships with existing and new MM segment corporate customers; Responsible for consulting the products and services, customer care, monitoring customer status in the management portfolio, including risk management, tracking debt collection to achieve business goals.
Key Accountabilities (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.
Products and Price:
Update and define products and price policies to advise customers:
- collect information, competition policy of portfolio management 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&039;s 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.
Key Accountabilities (2)
Sales and service:
- Establish relationships with new business customers according to leads assigned or self- search
- 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.
- 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&039;s regulations to increase customer experience and satisfaction at TCB
- Manage and develop existing customer portfolio (sales, quality, structure ...), promote upsale, cross- sell to increase wallet share and portfolio quality according to TCB&039;s strategic direction.
- Make sales and service plans with each customer through ACP and implement customer relationship strategy oriented by TCB
Risk management
Credit risk management
- Credit appraisal: Collect records, documents; check, supervise, update relevant information about customers, customer&039;s business situation to serve customer appraisal, propose solutions and submit for approval.
- 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;
- 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.
Operational risk management:
- Actively identify and manage operational risks related to the customer portfolio being managed
- Grasp and absolutely comply with regulations on operational risk management.
Key Accountabilities (3)
Operation
- Absolutely comply with regulations, processes, instructions ... related
Organization và Human Resources:
- Closely cooperate with related positions, towards the common goal of the unit and the bank.
- Develop yourself to fulfill your role and adapt to work- related changes.
Effective management:
- Strictly manage business performance compared to assigned targets.
- Effectively manage the customers portfolio assigned according to the instructions and regulations of TCB.
Other jobs
- As assigned by the line manager
