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

1. Business Development & Lead Generation

• Identify 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.

2. Customer Consultation & Financial Assessment

• Understand 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.

3. Deal Structuring & Closing

• Coordinate 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.

4. Portfolio & Relationship Management

• Serve 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.

5. Collections & Portfolio Quality

• Take 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.
• 6. Cross-functional Collaboration
• Work 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.

Qualifications

• Bachelor’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.

Benefits

• Competitive 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.