Primary responsibility is to achieve sales target/standard of performance for Personal Loan product through a responsible and consultative selling process.
Adhere to sales process and seeks opportunities to deliver distinctive customer service on each customer interaction.
Setting right daily/sales rituals to maintain high level of sale discipline, pipeline management and activity management to ensure performance meets expectations.
5.
CONTRIBUTES TO
The Banks business strategy for Personal Loan.
Profit and Loss of the Bank.
The Brand and Market positioning of the Bank towards a competitive positioning.
Managing towards lower cost of acquisition.
Inter Department liaison to ensure understanding, balance and team work environment.
6.
KEY RESPONSIBILITIES
Source prospective clients for personal loan product through partner-in-sales, sales blitz, telemarketing, road show and etc.
Constantly identify new sales strategies and approach to increase individual and team achievements.
Ensure adherence to responsible selling and structure proposed solution that meets client’s financial needs.
To ensure the accurate and timely completion of –
Applications forms is duly completed prior to submission.
To ensure all relevant income documents is obtained from customer to adequately support the application.
Submission of sales / pipeline management reports.
To ensure no misrepresentation of product features, pricing, promotions and processes.
Keeping abreast with updated product information, market changes and provide market intelligence and customer feedback to the management for appropriate action.
Compliance & Standards
Ensure sales solicitation and activities are compliance with Sales Compliance Framework & Group’s standards and regulatory requirements.
Fully comply to SOP - Sales Process of Consumer Lending Products and conduct day to day. responsibilities with full knowledge and perform the task within the guidelines of:
AML guidelines
Sales Compliance Guidelines
Data Record, Maintenance and Inventory Guidelines
BNM guidelines
KYC
Credit Control Procedures
BAFIA
PDPA and etc.
To project a professional business image at all times through high standards of housekeeping and personal grooming.
Note: Job Descriptions are subject to change at the discretion of the Management
7.
KEY RELATIONS
Working Relations
Nature of Purpose
(INTERNAL & EXTERNAL)
Regular Contacts
Internal
Credit Processing Hub
Group Marketing
Customer Service
Human Resources
To review possible opportunity loss from decline cases by way of appeals
Seek understanding and clarification to ensure Distribution channels is in line with the Credit Policies and Procedures
Enhancement of customer value proposition
Point of Sales Materials
Sales Kit and Training Materials
After Sales related issues
Appraisal, PIP, Leave Management
External
Customers
Ensure customer satisfaction on the offer.
8.
AUTHORITIES
Nil
9.
EXPERIENCE/KNOWLEDGE REQUIRED
Skills
·Good communication & negotiation / selling skill.
·Customer-oriented approach in problem solving/ decision making/ analytical thinking.
·Sales/ business oriented with ability to work diligently to meet targets.
Knowledge
·Possess knowledge of the banking and financial services industry.
Experience
Minimum 1 year working experience in relationship management or sales.
Proven track record in banking sales environment
Experience in customer service environment with strong customer care culture
10.
SCOPE MEASURES
FINANCIALS for Alliance Financial Group and Group Consumer Banking as determined by Group scorecard.
