SME Digital Banking Head

Lead the development and execution of the SME business strategy in line with overall corporate goals. Identify and capitalize on growth opportunities within the SME sector and create actionable business plans. Continuously monitor market trends, competitor activities, and regulatory changes to adapt strategies effectively.

Drive the acquisition of new SME clients and strengthen relationships with existing ones. Develop and oversee the implementation of innovative SME banking products and services, including loans, deposits, trade finance, and digital solutions. Work closely with marketing teams to design campaigns targeting the SME segment.

Establish, lead, and mentor a high-performing SME banking team, including relationship managers and product specialists. Set clear performance targets and ensure the team meets or exceeds revenue, profitability, and customer satisfaction goals.

Collaborate with the credit risk team to establish prudent risk assessment frameworks for SME lending. Monitor credit quality and minimize non-performing loans (NPLs) to ensure a healthy portfolio.

Act as the key point of contact for SME-related partnerships and collaborations with external stakeholders. Represent the organization in SME forums, conferences, and events to enhance brand visibility.

Improve customer experience and operational efficiency by streamlining processes and leveraging technology and digital platforms to enhance service delivery for SME clients.

Ensure compliance with local and international banking regulations and maintain robust internal controls and reporting mechanisms for all SME banking activities.

Leadership and Management: Proven ability to lead and inspire teams to achieve business objectives and strong decision-making and problem-solving skills.

Industry Knowledge: In-depth understanding of the SME sector, including its challenges, opportunities, and financial needs; Familiarity with banking products and services tailored to SMEs, such as working capital loans, trade finance, and cash management.

Business Acumen: Strong financial analysis and strategic planning skills; Ability to identify market opportunities and turn them into actionable initiatives.

Customer Relationship Management: Excellent interpersonal and communication skills to build long-term relationships with SME clients and provide customized solutions based on their needs.

Risk and Compliance: Knowledge of credit risk assessment and mitigation strategies, as well as familiarity with regulatory frameworks governing SME banking.

Technology and Innovation: Proficiency in leveraging digital tools and platforms to enhance customer experience; Awareness of fintech trends and their application in SME banking.

Analytical Skills: Strong analytical and data interpretation skills to monitor portfolio performance and market trends

Negotiation and Influencing: Ability to negotiate effectively with clients, partners, and internal stakeholders

Minimum Requirements: Bachelor's degree in Business Administration, Finance, Economics, or a related field

Experience: 10+ years of experience in banking or financial services, with at least 5 years in a leadership role managing SME banking or a similar portfolio; Proven track record of driving revenue and profitability in the SME segment

Salary and bonus are performance-based

Holiday and Tet bonuses are provided according to the bank's policy

Eligible for preferential loan policies subject to the bank's regulations

Annual leave entitlements depend on job level

Mandatory insurance under labor law with an option for premium insurance for employees and their family members

Access to training programs tailored to each position's training framework

Dynamic and friendly working environment with abundant opportunities for learning and development, participation in cultural activities such as sports competitions, talent contests, and teambuilding events

PEGASI – IT Recruitment Consultancy | Email: recruit@pegasi.com.vn | Tel: +84 28 3622 8666