Senior - Business Development Executive (Fintech)

Department: Commercial / Sales
Reporting to: Commercial Head
Job Summary
The 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 Responsibilities
Business Development & Lead Generation

Develop and execute sales strategies to achieve monthly and quarterly targets.
Identify and acquire qualified SME customers through various channels, including direct sales, referrals, partnerships, networking, and digital sourcing.
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 Assessment

Understand customers’ business operations, financing needs, and cash flow.
Collect and verify required documents for credit assessment.
Educate customers on Jenfi’s products, financing structure, repayment terms, and application process.
Provide suitable financing solutions based on customers’ business models and funding requirements.

Deal Structuring & Closing

Coordinate with Credit, Risk, Operations, and Legal teams throughout the approval process.
Manage the entire sales cycle from initial contact to contract signing and loan disbursement.
Prepare financing proposals and negotiate commercial terms with customers.
Ensure timely turnaround while maintaining compliance with internal policies.

Portfolio & Relationship Management

Maintain regular communication with customers to understand business performance and future funding needs.
Serve as the primary relationship manager for assigned customers throughout the financing lifecycle.
Identify opportunities for repeat financing, upselling, cross- selling, and customer referrals.
Monitor portfolio performance and proactively manage potential risks.

Collections & Portfolio Quality

Take ownership of assigned customer portfolio quality.
Handle early- stage delinquent accounts (DPD 1–10) through proactive communication and payment reminders.
Follow up on repayments and ensure customers make timely payments.
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 Collaboration
Provide market feedback and customer insights to support product development and process improvements.
Ensure compliance with company policies, regulatory requirements, and internal controls.
Work closely with Credit, Operations, Finance, Customer Success, and Collections teams to deliver an excellent customer experience.

Key Performance Indicators (KPIs)

Customer retention and satisfaction.
Number of new customers acquired.
Collection performance for DPD 1–10 accounts.
Pipeline quality and sales activity metrics.
Portfolio quality (NPL/ DPD performance).
Monthly loan disbursement volume.

Qualifications

Self- driven, target- oriented, and able to work in a fast- paced startup environment.
2–5 years of experience in B2B sales, SME lending, fintech, banking, or financial services.
Strong understanding of SME financing and credit fundamentals.
Excellent negotiation, communication, and relationship management skills.
Experience managing the full sales cycle is highly preferred.
Bachelor’s degree in Business, Finance, Banking, Economics, or related fields.

Benefits

Company- provided working equipment.
15 days of annual leave.
Bao Viet premium healthcare insurance for employees and their families.
Additional 10 days of special leave, including: (4 sick leave days, 4 family care leave days, 1 birthday leave day, 1 parents leave day)
Competitive salary package, negotiable based on experience and performance.
Travel and transportation expenses covered by the company.
Full salary during probation period.
Full social insurance contribution based on gross salary.

Cập nhật gần nhất lúc: 2026-07-10 18:00:07