Key Responsibilities :
1. Digital Sales Leadership (40%)
- Own and scale digital disbursements from IDR 4B - IDR 20B monthly in 8 - 12 months, balancing growth with profitability.
- Drive quality conversions by focusing on approval rates and ensuring that acquired customers align with credit policy.
- Embed profitability KPIs into sales operations : optimize LTV / CAC ratio, net disbursement per Eligible Lead, and sales efficiency.
- Lead and mentor the digital sales team by developing data-driven playbooks for consultative selling, follow-ups, and funnel discipline daily.
- Monitor daily team activities using CRM, ensuring all leads are followed up on within the SLA
- Continuously optimize CRM automations to reduce manual work (auto-reminders, lead scoring, escalation alerts).
- Ensure smooth coordination between AI Agents and sales agents, with clear escalation rules and CRM integration, so no lead is left unattended.
- Integrate risk and collections feedback into sales scripts and targeting criteria.
2. Collaboration with Growth / Credit / Product (25%)
Co-design marketing campaigns with Growth to balance lead volume, quality, and cost efficiency.Share real-time feedback on lead quality and delinquency trends so Growth can fine-tune acquisition channels.Build joint dashboards integrating Marketing KPIs (CAC, CTR, MQLs) and Sales KPIs (conversion, IPA, delinquency) for end-to-end visibility.Run joint experiments with Growth : lead scoring, remarketing, and segmentation to attract profitable customer cohorts.Align on CAC guardrails to ensure new campaigns meet portfolio profitability thresholds.Collaborate closely with the Credit team to understand approval / rejection trends, support document collection, and convert drop-off clients back into the funnel.Work with Product / Tech to refine AI Agent scripts and targeting criteria based on sales, credit, and customer feedback.3. Data & Analytics (25%)
Co-own the Sales, Growth & Risk Performance Dashboard that tracks :
Lead - IPA - Disbursal - Repayment performance.Unit economics : CAC, LTV / CAC, Net Disbursement / Eligible Lead.Delinquency rates by channel, cohort, and sales team.Use SQL, BI, and ML tools to predict default risk and adjust lead allocation in real time. Build early warning systems to flag high-risk clients before disbursal.Deliver actionable insights to leadership on profitability vs. risk trade-offs, ensuring CRM and sales excellence metrics are part of reporting4. Strategic Leadership (10%)
Act as a thought partner to the CEO, co-owning the growth and profitability strategy with hard, data-backed narratives.Build scalable sales systems to handle 5x lead volumes without rising delinquency.Represent Sales + Growth + Risk in board reviews, showing not just revenue but portfolio health.Explore partnerships with aggregators, marketplaces, and fintech platforms for high-quality lead pipelines.Key Performance Indicators (KPIs)
Revenue Growth : Monthly disbursement from IDR 4B - IDR 20B within 8 - 12 months.Quality Conversions : - 10% IPA-to-disbursal rate; - 80% IPA-to-disbursal.Profitability : LTV / CAC ratio - 30% YoY; Net Disbursement per Eligible Lead - 25%.Delinquency : Portfolio delinquency of new originations - agreed threshold (e.g., < 4% @30 DPD).Marketing Synergy : CAC - 20% with higher lead quality; shared campaign dashboards with real-time feedback.Data Impact : Forecasting accuracy - 90%; cohort profitability tracking embedded in dashboards.Requirements :
Bachelor's in Business, Marketing, Economics, or Data Analytics (MBA preferred).5 to 7 years in fintech / banking / consumer lending with hands-on digital sales + analytics + credit / risk exposure.Proven ability to scale digital sales with profitability.Strong analytics (SQL, Excel, BI) + comfort with risk and delinquency metrics.Experience in digital funnels, lead scoring, and CAC / LTV frameworks.Excellent leadership and cross-functional collaboration with Marketing, Risk, and Collections.(ref : iimjobs.com)