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FLIN - Lead - Digital Sales & Data

FLIN - Lead - Digital Sales & Data

FLINOverseas, India
15 days ago
Job description

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 reporting
  • 4. 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)

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    Digital Lead • Overseas, India

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