Role Overview
As the Sales Team Lead at Ngao Credit Ltd., you will take ownership of a dynamic sales unit, converting business targets into daily action plans that your team executes with discipline and purpose. Your focus is twofold: expand the company's loan book by building strong relationships with borrowers, and simultaneously build up your team through coaching, recruitment, and hands-on leadership. Every decision you make directly influences portfolio quality, team retention, and the company's market presence in the credit space.
Key Responsibilities
- Lead daily team huddles to align agents on sales priorities, pipeline activity, and individual performance goals.
- Own the end-to-end sales cycle, from lead sourcing and client qualification to loan disbursement and follow-up.
- Build and maintain a healthy loan portfolio by applying sound credit judgment and proactively managing collections.
- Recruit, train, and mentor Sales Agents, ensuring they have the product knowledge and selling skills to succeed.
- Monitor portfolio health through regular reviews of repayment performance, flagging at-risk accounts and taking corrective action.
- Review loan applications for compliance with company policies, accuracy of documentation, and risk exposure.
- Identify untapped market segments and generate new business leads through networking, referrals, and field activities.
- Prepare performance reports for senior management, using data to guide coaching conversations and strategic adjustments.
Requirements & Qualifications
- Diploma or degree in Business, Finance, Marketing, or a related field.
- At least 2 years of experience directly leading or supervising a sales team.
- Proven track record of selling financial products such as loans, credit facilities, or similar services.
- Strong leadership presence with the ability to motivate diverse teams under pressure.
- Excellent communication and negotiation skills, both in person and in writing.
- Results-driven mindset with a customer-first approach to relationship building.
- Proficiency in Microsoft Office, particularly Word, Excel, and PowerPoint, for reporting and presentations.
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