Sales Executive

Koperasi Bersatu Gemilang Berhad; Kuching; On-site; MYR 36,000 - 60,000; Full time

Job summary

Koperasi Bersatu Gemilang Berhad is seeking motivated Sales Executives in Kuching to promote credit and financing facilities, including ANGKASA salary deduction arrangements. You will identify prospects, assist with applications, and maintain strong customer relationships to meet sales targets.

Requirements include minimum SPM and a Diploma or Degree in Business Administration, Marketing, or Finance. Fresh graduates with strong sales aptitude are welcome. Own transport is an advantage.

Qualifications

• Minimum SPM qualification; Diploma or Degree in Business Administration, Marketing, Finance, or related disciplines is an added advantage.
• Prior experience in sales, personal financing, cooperative financing, banking, credit facilities, or financial services is preferred.
• Fresh graduates with strong sales aptitude and willingness to learn are encouraged to apply.
• Good communication, interpersonal, negotiation, and customer service skills.
• Self-motivated, proactive, and results-oriented, with the ability to achieve assigned sales targets.
• Possession of own transport is an advantage for customer visits and external sales activities.

Responsibilities

• Sales & Business Development: Actively promote credit and personal financing products; identify new opportunities; build relationships; conduct presentations; achieve targets.
• Credit & Financing Applications: Assist government employees with financing applications; explain requirements, prepare documents, and coordinate processing.
• Customer Relationship Management: Maintain professional relationships; respond to inquiries; ensure accurate information and records; follow up on leads and pipelines.
• Compliance & Professional Conduct: Ensure activities comply with policies and regulations; protect customer data; avoid unauthorised commitments.

Skills

Sales aptitude

Communication

Negotiation

Customer service

Self-motivated

Teamwork

Education

SPM qualification

Diploma or Degree in Business Administration/Marketing/Finance

Job description

We are looking for motivated, proactive, and results-driven Sales Executives to join our team.

The successful candidate will be responsible for promoting our Cooperative's credit and financing facilities, including personal financing for eligible government employees through ANGKASA salary deduction arrangements and other credit financing facilities offered to eligible cooperative members.

This role involves identifying potential customers, generating sales leads, assisting with financing applications, maintaining customer relationships, and achieving assigned sales targets.

Key Responsibilities

1. Sales & Business Development

Actively promote the Cooperative's credit and personal financing products to eligible customers and members.

Identify and develop new sales opportunities through prospecting, referrals, networking, and other approved marketing channels.

Build and maintain good relationships with prospective and existing customers.

Conduct sales presentations and explain available financing solutions to potential applicants.

Achieve monthly sales, financing application, and disbursement targets.

Participate in sales campaigns, promotional activities, and other business development initiatives.

2. Credit & Financing Applications

Assist eligible government employees with financing applications involving ANGKASA salary deduction arrangements, where applicable.

Promote and facilitate other credit and financing facilities available to eligible cooperative members.

Explain financing eligibility requirements, repayment terms, applicable charges, and application procedures clearly and accurately.

Conduct preliminary screening of applicants based on the Cooperative's prescribed eligibility requirements and financing guidelines.

Assist customers in preparing, verifying, and submitting the necessary financing application documents.

Coordinate with the relevant Credit Assessment and Processing personnel to facilitate timely application processing.

Follow up on pending applications and provide customers with updates on their application status.

3. Customer Relationship Management

Establish and maintain professional relationships with customers to encourage repeat business and referrals.

Respond promptly to customer enquiries and provide assistance throughout the financing application process.

Ensure customers receive accurate information regarding financing terms, repayment arrangements, and relevant procedures.

Handle customer feedback and concerns professionally, referring matters to the appropriate personnel when necessary.

Maintain accurate and updated records of customer enquiries, sales leads, financing applications, and disbursements.

Monitor sales pipelines and follow up on prospective customers to improve conversion rates.

Prepare regular sales performance reports and provide updates to Management.

Identify sales challenges, market opportunities, and potential improvements to sales activities.

5. Compliance & Professional Conduct

Ensure all sales activities comply with the Cooperative's policies, financing guidelines, and applicable regulatory requirements.

Maintain the confidentiality of customer information and comply with applicable personal data protection requirements.

Ensure financing information provided to customers is accurate, transparent, and not misleading.

Refrain from making unauthorised commitments or guaranteeing financing approval.

Perform other related duties as assigned by Management.

Job Requirements

Minimum SPM qualification; Diploma or Degree in Business Administration, Marketing, Finance, or related disciplines is an added advantage.

Prior experience in sales, personal financing, cooperative financing (Koperasi), banking, credit facilities, or financial services is preferred.

Experience dealing with government-sector financing or ANGKASA salary deduction arrangements will be an added advantage.

Fresh graduates with strong sales aptitude and willingness to learn are encouraged to apply.

Good communication, interpersonal, negotiation, and customer service skills.

Self-motivated, proactive, and results-oriented, with the ability to achieve assigned sales targets.

Ability to work independently and as part of a team.

Possession of own transport is an advantage for customer visits and external sales activities.

What We Offer

Competitive basic salary.

Attractive performance-based sales incentives and commission.

Career development and advancement opportunities.

Product knowledge and sales training.

Supportive and performance-driven working environment.

Statutory employment benefits.