Senior Officer, Retail Banking

9 Sep 2024**Senior Officer, Retail Banking (40001006)**:

- Category: Retail Banking Group- Job Type:
- Facility: Retail Banking**Job Purpose**:

- The job holder responsible for ensure to advise and provide personal financial products and services in accordance with customer needs, in order to bring the best experience to customers.
- The job holder ensures compliance and minimizes risks when processing transactions, providing products and services to customers.

**Key Accountabilities (1)**:

- 1. CUSTOMERS: CONSULTANCY AND PROVIDE PERSONAL FINANCIAL PRODUCTS AND SERVICES THAT MATCHES CUSTOMERS' NEEDS.
- Receive and learn information from customers to advise and provide products and services that are suitable for customers' needs or introduce them to specified locations to bring the best experience to customers. Customer.
- Exploit, consulting and providing personal financial products and services suitable to customer needs according to the list of customers assigned in each period.
- Develop customers according to the bank's oriented sales channels from time to time.

2. PRODUCTS và SERVICES: ASSURANCE AND ENHANCE SERVICE QUALITY, HELP BRING THE BEST CUSTOMER EXPERIENCE
- Perform transactions/consultations at the request of the Client accurately, completely, quickly and in a timely manner, ensuring the correct SLAs and service quality standards.
- Update information on products, processes/regulations, Marketing programs, new sales campaigns and instructions of Techcombank from time to time in order to provide the best services of the Bank to customers.
- Receive and handle customer requests and complaints in accordance with Techcombank's regulations.
- Make recommendations to relevant departments to contribute to improving product, process and policy issues from time to time.

**Key Accountabilities (2)**:

- 3. SYSTEM: OPERATION COMPLIANCE và RISK MANAGEMENT
- Perform work in accordance with the Bank's policies, procedures, regulations and instructions.
- Identify customer information as well as warning signs before, during and after customer transactions, ensuring compliance with Techcombank's processes and regulations and the law.
- Manage credit risk, operational risk on the assigned customer list in accordance with regulations and instructions of the bank
- Ensure compliance with Techcombank's policies and procedures.
- Comply with the post-borrowing inspection process (controlling the customer's capital use purpose, collateral, financial situation...). Periodically according to the provisions of credit products/post-borrowing control regulations, assess the customer, control the purpose of the customer's capital, immediately notify the relevant departments when the customer have problems with financial situation, ability to repay debt, purpose of using capital, etc..
- Identify, report and participate in the handling of operational risks.
- Comply with regulations on information security and information security.

**Key Accountabilities (3)**:

- 4. HUMAN RESOURCES: HUMAN DEVELOPMENT và CONSTRUCTION CULTURE
4.1 Self growth
- Fully participate in training programs of TCB
- Always have the spirit of self-learning in work and life
- Actively develop a personal development plan.
- Always have an open attitude to share information with others và be willing to accept change.
- Ownership, responsibility in work, leading to outstanding results.

4.2 Building organizational culture at the unit
- Building a culture of cohesion, encouraging colleagues to achieve success.
- Fully aware of Techcombank's organizational culture and perform tasks in the spirit of TCB's core values and behavioral standards, embodying Techcomer's DNA.

5. EFFECTIVE MANAGEMENT: PLAN MANAGEMENT và BUSINESS RESULTS
- Develop and implement individual business plans to achieve assigned business targets.

(*) Perform other tasks as assigned by superiors from time to time.

**Key Relationships - Direct Manager**:
Senior Manager/ Manager, Retail Banking
Branch Manager
Senior Manager, Direct Sales Center

**Key Relationships - Direct Reports**:
N/A

**Key Relationships - Internal Stakeholders**:
Teams inside and outside RBG

**Key Relationships - External Stakeholders**:
Individual customers, competitors

**Success Profile - Qualification and Experiences**:

- Domain Expertise
- At least 5+ years of experience in Banking field in a similar position
- Proficient in using office software: word, excel, powerpoint.

**Qualifications**:

- Graduated from a regular university, preferably in economics - finance - banking.
- English ability: Not apply