Senior - Sales Executive / Business Development Executive

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.

• 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.
• 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.
• 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.
• 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.
• 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.
• 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.

• 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.