Sales Manager (Unsecured Lending Sales)

OCBC; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

OCBC in Kuala Lumpur seeks a Sales Manager – Unsecured Lending Sales to lead Credit Card and Portfolio Sales across multiple channels. You will drive targets, monitor KPIs, and address underperformance with immediate recovery plans.

The role requires owning performance reviews with channel partners and delivering growth in a fast-paced environment. The ideal candidate has 5–8 years in banking sales, strong leadership, and expertise in unsecured lending products such as Credit Cards and Personal

Qualifications

• Bachelor's degree or diploma in business, finance, marketing, or related field.
• 5–8 years of sales experience in banking/financial services with leadership exposure.
• Proven ability to manage unsecured lending products and multi-channel sales.
• Strong analytical, problem-solving and decision-making abilities.

Responsibilities

• Lead unsecured lending sales performance across Credit Card and Portfolio Sales.
• Drive monthly and annual sales targets across multiple channels.
• Monitor KPIs and take corrective actions for underperformance.
• Build relationships with channel partners and stakeholders.
• Conduct regular business reviews to ensure target delivery and improvements.

Skills

Analytical skills

Problem solving

Decision making

Stakeholder management

Coaching & negotiation

Self-motivation

Education

Bachelor's or Diploma in Business/Finance/Marketing

Tools

CRM tools

Microsoft Office

Job description

At OCBC, we are committed to driving growth through innovation, customer-centricity, and high-performance sales execution. As a Sales Manager – Unsecured Lending Sales, you will play a critical role in leading multiple sales channels, driving Credit Card and Portfolio Sales performance, and delivering business growth through proactive sales management and execution excellence.

This role offers the opportunity to lead diverse sales teams and partners, influence business outcomes, and build a high-performance sales culture within a dynamic and fast-paced environment.

How You Succeed

To excel in this role, you must be a highly driven, self-motivated, and results-oriented sales leader with a strong sense of ownership and urgency. You will proactively manage multiple sales channels, identify performance gaps quickly, execute recovery strategies, and drive accountability across all stakeholders.

You are expected to operate with an "autopilot" mindset—requiring minimal supervision while consistently delivering results, solving problems, and ensuring business targets are achieved.

Responsibilities:

• Lead and manage unsecured lending sales performance, including Credit Card acquisition and Portfolio Sales.
• Drive achievement of monthly and annual sales targets across multiple sales channels.
• Monitor daily sales performance against assigned KPIs and business targets.
• Identify performance gaps and emerging issues on a daily basis.
• Ensure underperformance is addressed immediately and not carried forward without clear action plans.
• Manage and optimize performance across multiple sales channels
• Build strong relationships with channel partners and stakeholders to maximize productivity and sales outcomes.
• Conduct regular business reviews with channels to ensure target delivery and performance improvement.

Performance Analysis & Corrective Actions

• Clearly identify underperforming channels, agencies, teams, or individuals.
• Analyze root causes of missed targets, including low activity levels, poor conversion rates, weak follow-up, staffing issues, or process gaps.
• Develop and execute immediate recovery plans to improve sales performance.
• Track action items rigorously and ensure all agreed initiatives are completed within timelines.
• Reassess performance after implementation to validate effectiveness and sustainability of improvements.
• Take full ownership of overall channel sales results and KPI achievement.
• Establish strong governance and performance tracking mechanisms.
• Maintain high visibility on business performance through daily monitoring and reporting.
• Ensure all channel leaders and partners are held accountable for results and commitments.
• Demonstrate a strong sense of urgency in driving sales execution and performance recovery efforts.
• Conduct regular performance reviews and daily check-ins with channel stakeholders.
• Actively challenge poor performance trends and implement immediate intervention plans.
• Foster a high-performance culture focused on accountability, execution, and continuous improvement.

Qualifications:

• Bachelor's Degree or Diploma in Business, Finance, Marketing, or a related discipline.
• Minimum 5-8 years of sales experience within the banking or financial services industry, with at least 2-3 years in a leadership or sales management role.
• Proven experience managing unsecured lending products, including Credit Cards, Personal Loans, Balance Transfer, or Portfolio Sales.
• Strong track record in managing multiple sales channels and consistently delivering sales targets.
• Demonstrated ability to identify performance issues, implement corrective actions, and drive sustainable improvements.
• Highly self-motivated, proactive, and capable of operating independently with minimal supervision.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent communication, stakeholder management, coaching, and negotiation skills.
• Experience managing external agencies and channel partners is an added advantage.
• Proficient in Microsoft Office applications, sales performance reporting, and CRM tools.