Digital Sales Officer (Fintech Company)

Digital Sales Officer

Location: Philippines (Metro Manila)

Department: Digital Sales – Restructuring & Refinancing

Reports To Head of Digital Sales – Philippines

Role Overview

The Digital Sales Officer – Restructuring & Refinancing is a revenue-generating individual contributor role with strict monthly quotas.

The primary mandate is to:

● Convert qualified distressed leads into paid restructuring enrollments/ disbursements

● Drive refinancing eligibility conversion

● Maximize revenue per borrower

● Maintain disciplined CRM and follow-up control

Responsibilities

1. Revenue & Quota Ownership (Primary Focus)

● Own a defined monthly mediation enrollment/debt consolidation disbursement quota

● Convert inbound and assigned leads into restructuring program enrollments

● Conduct structured financial assessment calls

● Present clear, compelling restructuring solutions

● Overcome affordability and trust objections decisively

● Maintain aggressive follow-up discipline to prevent lead leakage

● Close enrollments within defined cycle times Non-Negotiable Performance Metrics:

● Monthly enrollment target

● Monthly revenue target

● Lead-to-mediation enrollment/ IPA conversion rate

● Average revenue per enrolled borrower

● Lead-to-mediation enrollment/ IPA cycle time *IPA stands for In-Principle Approval for the Debt Consolidation Program

2. Structured Financial Assessment & Solution Positioning

● Assess borrower exposure across multiple lenders

● Evaluate repayment capacity and urgency level

● Position restructuring and refinancing as a structured solution — not optional advice

● Ensure program affordability while protecting portfolio performance

● Maintain quality standards to prevent early drop-offs

Objective: Close responsibly, but close decisively.

3. Pipeline & Funnel Discipline

● Maintain daily activity targets (calls, follow-ups, conversations)

● Track funnel stages: Contacted → Qualified → Offered → Enrolled/ IPA

● Identify stalled qualified leads and reactivate with urgency

● Minimize lead aging

● Ensure 100% CRM accuracy You will be measured daily, weekly, and monthly on:

● Contact rate

● Qualification rate

● Offer-to-Mediation Enrolment/ IPA ratio

● Follow-up effectiveness

4. Cross-Functional Alignment

● Coordinate closely with credit underwriting, product, marketing, and the growth team

● Ensure sales promises align with approval criteria

● Reduce rework and customer onboarding friction

● Support the quick resolution of onboarding and origination issues

5. Leadership Readiness (Performance-Based Progression)

Consistent overachievement will lead to:

● Mentoring junior sales officers

● Assisting with onboarding new hires

● Contributing to sales playbook refinement

● Participating in future team-building initiatives

Team leadership is earned through sustained performance.

Candidate Profile - Experience (Mandatory)

● 2–4 years of quota-driven sales experience in:

○ Consumer Lending

○ Digital Lending

○ Debt Consolidation

○ Mediation and Negotiations Advisory Services

○ Solutions-based selling of financial products

● Proven history of meeting or exceeding monthly revenue targets

● Experience handling financially distressed or subprime customers preferred

Required Competencies

● Strong closer mentality

● High urgency and follow-up discipline

● Objection-handling confidence

● Financial literacy and cash flow assessment ability

● CRM-driven workflow discipline

● Emotional resilience under rejection

● Competitive, performance-oriented mindset

Key Performance Indicators (KPIs)

● Monthly mediation enrolments or debt consolidation financing quotas

● Monthly revenue achievement (%)

● Lead-to-mediation enrollment/ IPA conversion rate

● Revenue per enrolment borrower

● Lead aging days

● Early repayment performance quality