RESPONSIBILITIES

1. Responsible for the following activities/jobs at Micro Center assigned to manage:

• Organize and manage the implementation of business activities to complete/exceed KPIs; profit.
• Maintain the quality of the loan portfolio and risk management, monitor/control compliance with the bank’s policies and regulations;
• Manage and supervise the effective use of costs within the approved budget.

2. Planning:

• Work with the Regional Director and provide opinions on the business potential of the Center to develop annual targets/budgets for the center;
• Negotiate and agree on the center’s targets/budgets with the Regional Director;
• Develop the center’s operational plan and review and agree on this plan with the Regional Director.

3. Monitor the center’s planning and budgeting process:

• Coordinate with BMO to allocate targets/KPIs to employees.
• Review and control operating costs within budget.
• Appoint staff to specific positions appropriate to their expertise.
• Recruit staff within budget to drive business growth.

4. Performance Management:

• Responsible for the sales performance of the center, including driving revenue, pre-tax profit and improving overall cost efficiency in delivering services to customers.
• Responsible for the quality of credit proposals and quality of loan portfolio (NPL)
• Responsible for improving performance indicators including driving outstanding loans and mobilization, number of new customers, number of products/customers and improving customer satisfaction.

5. Ensuring quality and efficiency of service and sales:

• Manage daily sales and service activities.
• Ensure quality and efficiency of credit file processing (transferring files to appraisal units, handling post-approval processes). Ensure the shortest credit processing time for customers.
• Plan and implement new MSME customer attraction programs for the center.
• Approve financial expenses within the scope of authority.
• Implement marketing and product programs as directed by Head Office; Plan and implement center-specific programs as needed.
• Manage community relations and proactively develop local potential customer leads.
• Ensure compliance with bank regulations and guidelines.
• Train sales staff including proactive use of CRM, product suite, sales funnel management to improve sales efficiency and productivity.

6. People Management:

• Monitor and manage actual business performance against the budget and targets of the entire Center.
• Conduct cyclical business management and work with department heads to evaluate employee performance.

7. Regularly lead and guide staff:

• Directly train, educate and provide career guidance to Center staff.
• Create a professional and friendly working environment.

REQUIREMENTS

1. Knowledge:

• Knowledge of products and services, markets, business characteristics and needs of Micro segment corporate customers, banking and finance industry: advanced.
• Updated understanding of practices, procedures, legal regulations and risk management policies, banking operating procedures related to the business sector.

2. Skills:

• Creative problem solving skills, business acumen & sales opportunity recognition; ability to collect information and analyze the market and potential customers; planning and execution management skills: advanced.
• Ability and skills to communicate effectively to influence, present and guide: advanced.
• Team management skills, promote and motivate employees: advanced.

3. Qualifications:

• University degree or higher in business administration, economics, finance/banking.

4. Work experience:

• Minimum 8 years of experience working in the finance and banking sector, of which 4-6 years in management positions in business units serving the small and medium enterprise customer segment.