Sales Digital Officer

Overview

The Digital Sales Officer is responsible for driving business growth by acquiring new customers, managing qualified sales opportunities, and delivering consultative financial solutions through digital channels. This role is responsible for understanding customers' financial situations, assessing their needs, and recommending appropriate financial solutions while maintaining a high standard of customer experience throughout the sales journey.

The ideal candidate is a proactive sales professional with strong consultative selling capabilities, financial acumen, and relationship management skills. Working closely with internal stakeholders, including Credit, Risk, Operations, Product, and Marketing, the Digital Sales Officer ensures alignment between customer needs, business objectives, and operational requirements. Success in this role is measured by the ability to consistently achieve sales targets, maintain pipeline discipline, deliver exceptional customer service, and build long-term customer relationships in a fast-paced, performance-driven environment.

Responsibilities

• Drive customer acquisition and revenue growth by converting qualified leads into successful customers.
• Engage prospective customers through digital communication channels and deliver a professional sales experience.
• Conduct customer needs analysis and financial assessments to recommend appropriate financial solutions.
• Build trust-based relationships with customers while providing consultative guidance throughout the sales process.
• Manage the complete sales cycle, from lead qualification through closing and customer onboarding.
• Maintain accurate sales records, customer information, and pipeline activities using CRM systems.
• Consistently achieve individual sales targets, conversion goals, and productivity metrics.
• Collaborate with Credit, Risk, Operations, Marketing, Product, and other internal stakeholders to ensure a seamless customer journey.
• Handle customer inquiries, concerns, and objections professionally while maintaining service excellence.
• Provide market feedback and customer insights to support continuous improvement of products, services, and sales strategies.
• Ensure compliance with company policies, operational procedures, and regulatory requirements.

Qualifications

Must-Have Requirements

• Bachelor's Degree in Business Administration, Finance, Economics, Marketing, Management, or other related disciplines.
• Minimum 2–4 years of experience in Banking or Multi-Finance with a lending background, either in Credit or Sales.
• Candidates from Debt Mediation companies (such as Amalan, Bisalunas, and Dolpheen) with relevant experience are also encouraged to apply.
• Proven Consultative Selling & Closing Skills, with the ability to identify customer needs, recommend suitable financial solutions, and successfully close sales opportunities.
• Strong Empathy & Relationship Building, particularly when engaging with customers facing financial challenges or complex financial situations.
• Solid Financial Literacy & Credit Knowledge, including a strong understanding of lending products, debt restructuring, repayment capacity, customer cash flow, and consumer financing.
• Strong Internal Stakeholder Management, with the ability to collaborate effectively across Credit, Risk, Operations, Product, Marketing, and Customer Success teams.
• Demonstrated ability to consistently achieve or exceed sales targets in a performance-driven environment.
• Excellent negotiation, communication, objection-handling, and problem solving skills.
• Strong ownership, accountability, and execution mindset.
• Ability to work independently while managing multiple customer opportunities simultaneously.

Preferred Qualifications

• Experience in Consumer Lending, Digital Lending, Debt Consolidation, Refinancing, or Financial Advisory Services.
• Previous experience in Banking, Multi-Finance, Fintech, or other regulated financial institutions.
• Graduated from a reputable university.
• Experience serving financially distressed customers through consultative financial solutions.
• Familiarity with CRM systems, Loan Origination Systems (LOS), and other digital sales platforms.
• Proven track record of consistently exceeding sales performance targets.
• Professional certifications related to Sales, Banking, Finance, or Customer Relationship Management are an advantage.

Key Attributes

• Customer-centric mindset with exceptional relationship-building skills.
• High level of empathy and emotional intelligence.
• Strong consultative selling and influencing abilities.
• Commercially driven with a results-oriented mindset.
• Excellent analytical thinking and financial assessment capability.
• Strong communication and interpersonal skills.
• Resilient, adaptable, and able to perform under pressure.
• Collaborative team player with excellent stakeholder management abilities.
• High integrity, professionalism, and accountability.
• Self-motivated with a continuous learning and growth mindset.
• Strong attention to detail and commitment to delivering an outstanding customer experience.