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1. Formulating and implementing annual business plans for the USME sub-segments (SME / MSME)
- Developing, organizing the business plans, annual action programs for the sub-segment in charge
- Managing business results, action programs, being responsible of business results for the sub-segments, business programs

2. Analyzing and identifying the potential subdivisions of USME (SME / MSME)
- Participating in building criteria to identify sub-segment customers
- Researching and analyzing in order to understand the characteristics, needs and potential of each sub-segment and setting the corresponding price requirements.
+ Collecting market information (GSO, Tax…)
+ Evaluating the affection factors (the characteristics, needs, behavior ...)
+ Analyzing customer insight reports for each sub-segment (characteristics, needs, behaviors, price requirements, level of competition in banking and finance, risk, opportunities ...)
- Coordinating sales management and marketing programs to promote the segment in charge
- Searching, developing potential source of Sales force for the following sub-segments:
+ Maintaining & developing relationships with industry, economic zones, etc. to find information on customers in the sub-segment.
+ Selecting the list of warm leads, allocating the list to the sales channel, sales force to exploit

3. Effective management (SME / MSME)
- Proposing orientations on business policies, requirements on trading and service, sales channels, risk management requirements
- Developing business modeling for key sub-segments (approach, value chain identification, cross selling, sales force, sales support)
- Making business plans for the segment, sub-segments:
+ Financial plan for month/ quarter/ year
+ Business strategies for the Branch/ Region are selected for business implementation in each key segment
+ Plan to support, promote sales to the key segment
- Effective segmentation management (revenue, costs, profits, overdue debt ...)
+ Periodic assessment (month/ quarter/ year) of business performance
+ Suggest policies and solutions to increase business efficiency of the sub-segment
- Developing the process, tools and effective portfolio management of warm leads in the segment, sub-segment
+ Developing tools, distribution process, potential list management
+ Monitoring, evaluating progress, efficiency of exploiting potential resources, proposing improvement measures

1. Qualifications:
- Bachelor’s Degree or above majoring in Economics/ Banking/ Finance/ Marketing/ Business Administration

2. Experience:
- Minimum of 5 years experience in financial analysis/ credit/ market research, marketing in banking and financial
- Having working experience related to Business Banking is preferable
- In-depth understanding of USME's segment / sub-segment strategy, model, and business model (SME / MSME)
- Deep understanding of valuation methods for each segment / sub-segment and USME (SME / MSME)
- Understanding the legal provisions in banking/ finance

3. Skills:
- Researching, analyzing and understanding the trend of developing products and banking financial services for Business Banking
- Skills to develop business models, business programs for each segment / sub-segment for Business Banking
- Ability to plan and organize, qualitative analysis, interpersonal skills, competitors’ information…