Senior - Sales Executive / Business Development Executive

Job SummaryThe 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 ResponsibilitiesBusiness Development & Lead GenerationIdentify 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.
Customer Consultation & Financial AssessmentUnderstand 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.
Deal Structuring & ClosingCoordinate 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.
Portfolio & Relationship ManagementServe 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.
Collections & Portfolio QualityTake 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.
Cross-functional CollaborationWork 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.
Yêu cầu công việc
QualificationsBachelor’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.
Quyền lợi được hưởng
BenefitsCompetitive 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.