Sales Manager Home Loan (Kbank Vietnam)

The Sales Manager – Home Loan is responsible for driving mortgage sales performance as an individual contributor, focusing on high-quality customer acquisition, strong pipeline management, and effective conversion across the sales funnel.

This role requires a balance of direct selling, relationship development, and lead generation, particularly through strategic partnerships with external stakeholders such as property brokers and project-based bankers.

Key Responsibilities

A. Individual Sales Performance

• Own and deliver personal home loan sales targets

• Manage end-to-end sales funnel:

• Lead generation → App-in → Approval → Disbursement

• Ensure strong conversion rates through effective customer engagement and follow-up

• Maintain consistent sales activity and pipeline discipline

B. Lead Generation & Partnership Development

• Build and maintain strong relationships with:

• Property agents / home sales brokers

• Bankers and sales teams in targeted housing projects

• Actively develop external lead generation channels to ensure sustainable pipeline inflow

• Position KBank as a preferred lending partner within key projects and broker networks

C. Lead Qualification & Pre-Screening

• Perform strict pre-screening of customers before application submission

• Ensure leads meet defined credit and product criteria

• Prioritize high-quality leads to optimize approval rate and reduce rework

• Provide clear advisory to customers on eligibility and documentation

D. Pipeline & SLA Management

• Maintain a healthy and well-balanced pipeline

• Closely track case progress and follow up with stakeholders

• Ensure timely submission and processing in line with SLA requirements

• Minimize aged or stalled cases in the pipeline

E. Sales Execution & Campaign Alignment

• Execute sales strategies and campaigns (pricing, promotions, refinancing offers)

• Clearly communicate product positioning and competitive advantages to customers

• Adapt sales approach based on campaign focus and market dynamics

F. Stakeholder Coordination

• Collaborate with internal teams:

• Credit / Risk (approval criteria)

• Operations (processing timelines)

• Product (pricing and campaigns)

• Escalate issues impacting customer experience, approval, or disbursement

G. Customer & Market Insight

• Monitor competitor offerings (interest rates, packages, promotions)

• Identify opportunities in targeted segments:

• Refinance customers

• Existing customer base (e.g., credit cards)

• Continuously refine sales approach using feedback and conversion insights

H. Risk & Quality Control

• Ensure high-quality applications through disciplined screening

• Reduce rejection rate and incomplete submissions

• Adhere strictly to bank policies and compliance requirements

• Flag potential risk or fraud concerns when identified

Key Performance Indicators (KPIs)

• Primary KPIs

- Individual Sales Performance (disbursement achievement)

- Conversion Rates:

o Lead → App-in

o App-in → Approval

o Approval → Disbursement

• Secondary KPIs

Lead Quality (pre-screen pass rate)

o Approval Rate (%)

o Pipeline Health (aging, coverage, movement)

o SLA adherence (submission to approval/disbursement timelines)

• Business Development KPIs

o Number and quality of active broker / partner relationships

o Lead generation contribution from external channels

o Effectiveness of project-based partnerships

Qualifications & Experience

• Education

o Bachelor

Yêu cầu công việc

Qualifications & Experience

• Education

o Bachelor’s degree in Business, Finance, Banking, or related field

• Experience

o 3-5+ years in retail banking, mortgage sales, or property-related industries

o Proven track record in direct sales and client acquisition

o Experience working with:

o Property agents / brokers

o Real estate developers or project sales teams

• Skills & Competencies

o Sales & Business Skills

o Strong understanding of home loan products and basic credit assessment

o Ability to manage full sales cycle independently

o Strong negotiation and closing capability

• Relationship Management

o Strong networking and partnership-building skills

o Ability to influence external partners and generate consistent leads

• Analytical & Execution Skills

o Good understanding of sales funnel metrics and conversion drivers

o Strong follow-up discipline and attention to detail

o Ability to prioritize high-quality opportunities

• Communication Skills

o Clear, structured communication with customers and stakeholders

o Ability to explain product features, pricing, and approval conditions effectively

• Language

o Fluent in Vietnamese and English (both written and spoken)

Preferred Profile

• Experience in mortgage sales within banks or financial institutions

• Strong network with property brokers / real estate ecosystem

• Familiar with project-based selling (new housing developments)

• Self-driven, target-oriented, and highly disciplined in execution

Success Profile (What Good Looks Like)

• Consistently delivers strong individual sales performance

• Generates sustainable, high-quality lead pipeline independently

• Maintains high approval rate through effective pre-screening

• Builds strong presence within broker and project networks

• Demonstrates ownership, discipline, and result-driven mindset

Quyền lợi

• Thưởng: Benefit
• Nghỉ phép có lương: 15 leaves day
• Máy tính xách tay: Laptop/PC for new comers