[Bank] Corporate Relationship Manager/ Chuyên Gia Quản Lý Quan Hệ Khách Hàng - B2B

1. Know Your Customer:

• Conduct thorough research and analysis of potential customers to understand their

characteristics, needs, markets, and competitive banking products within the USME

customer segment or assigned focus sub-segments.

• Gather and analyze customer information, including operational methods, business plans,

and financial statements, to understand their business model, key success and risk factors,

and financial needs.

• Provide tailored financial solutions based on the customer’s profile and segment.

2. Products and Pricing:

• Stay updated on product knowledge, features, benefits, and related policies to effectively

advise customers on:

o Standard products and services, bundled offerings, and business programs,

including deposits, credit, services, trade finance, foreign exchange, derivatives,

and other products tailored for USME business customers.

• Recommend pricing strategies aligned with financial plans, customer risk, performance

on risk assets, and customer lifecycle value in accordance with Navigos Search's partner

regulations.

3. Sales and Services:

• Develop and manage relationships with new and existing customers through various

channels, including assigned customer lists, self-sourced leads, forums, and conferences.

• Plan and identify business opportunities with target customers, focusing on increasing

wallet share and portfolio quality in line with Navigos Search's partner's strategic

direction.

• Offer financial consulting services, including business planning, financial statement

management, cash flow management, cost control, and profit maximization.

• Collaborate with product sales teams and relevant units to create comprehensive, optimal

financial solutions based on customer insights and industry developments.

• Provide excellent customer care, ensuring the delivery of customer value propositions

and meeting quality commitments to enhance customer experience and satisfaction.

4. Credit Risk Management:

• Oversee end-to-end credit risk management for the assigned customer portfolio.

Coordinate with the Risk Management Division to evaluate and appraise customers,

ensuring compliance with Navigos Search's partner regulations.

• Collect, monitor, and update customer records and business situations to support account

management, propose solutions, and assess creditworthiness.

• Manage post-lending activities, including monitoring and addressing overdue debts, and

mitigate risks in accordance with the bank’s regulations.

5. Operational Compliance:

• Adhere strictly to all relevant regulations, procedures, and guidelines.

• Proactively identify and manage operational risks related to the managed portfolio.

6. Organizational Development:

• Pursue continuous personal development to meet work-related changes and challenges.

• Collaborate effectively with colleagues to achieve the bank’s common objectives.

7. Performance Management:

• Monitor and manage business performance against assigned targets.

• Manage and optimize the existing customer portfolio by enhancing sales, cross-selling,

and improving portfolio quality as per Navigos Search's partner's strategy.

8. Additional Duties:

• Perform other tasks as assigned by the USME Director.

Qualifications and Experience:

• Bachelor’s degree in Economics, Finance, Banking, Business Administration, Accounting, or Auditing.

• Minimum of 4+ years of experience in sales and business customer appraisal.

• Proficiency in English with a minimum TOEIC score of 550 or equivalent.