Digital Sales Specialist

Payreto; Makati; On-site; PHP 500,000 - 900,000; Full time

Job summary

Payreto in Manila is seeking a Digital Sales Specialist to drive inbound and assigned inquiries into debt restructuring enrollments and IPA approvals, using consultative sales and cash flow analysis to guide distressed consumers toward refinancing.

This senior individual contributor role requires a sharp closer with strong CRM discipline, cross-functional collaboration with underwriting and risk teams, and a strategic mindset to scale programs in markets like Indonesia.

Qualifications

• Bachelor’s degree in Business Administration, Finance, Strategic Marketing, Economics, Communications, or any relevant commercial discipline.
• 2–4 years of proven, high-velocity, quota-driven sales experience within structured financial environments.
• Native/Fluent proficiency in Tagalog (Mandatory) and high professional proficiency in English.

Responsibilities

• Revenue & Quota Ownership: hit and exceed enrollment and disbursement quotas.
• Structured Financial Profiling: assess borrower exposure across lenders and determine feasibility.
• Objection-Handling & High-Impact Closing: address affordability concerns and close efficiently.
• Pipeline Engine Discipline: maintain daily call activity metrics and prevent lead aging in CRM.
• Cross-Functional Alignment: coordinate with credit underwriting and risk teams to ensure quality of applications.
• Leadership Readiness & Vertical Scaling: mentor juniors and contribute to salesperson onboarding.

Skills

Quota-driven sales

Closing & objection handling

CRM discipline

Cross-functional alignment

Pipeline management

Education

Bachelor’s degree in Business Administration/Finance/Economics/Marketing/Communications

Tools

HubSpot

Salesforce

Job description

Position Overview

The Digital Sales Specialist is a high-velocity, quota-driven revenue generator responsible for converting inbound and assigned customer inquiries into structured debt restructuring program enrollments and In-Principle Approvals (IPA). Operating at a senior individual contributor execution level, this role blends consultative sales techniques with structured cash flow analysis to guide financially distressed, subprime consumer segments toward sustainable refinancing solutions. The ideal candidate possesses a strong closer mentality, high urgency, and resilient objection-handling capabilities.

WHAT WILL YOU DO?

1. Revenue & Quota Ownership (Primary Focus)

• Revenue & Quota Optimization: Strong capability to consistently hit and exceed challenging, volume-driven enrollment and disbursement quotas.
• Structured Financial Profiling: Ability to quickly assess a borrower’s total financial exposure across lenders and determine program feasibility.
• Objection-Handling & High-Impact Closing: Confidence and skill in addressing affordability concerns and building brand trust with highly skeptical consumers.
• Pipeline Engine Discipline: Absolute commitment to maintaining daily call activity metrics and preventing lead aging within the CRM funnel.
• Cross-Functional Alignment: Seamless coordination with credit underwriting and risk mitigation teams to ensure high first-pass quality of applications.
• Strategic Retention & Early Quality Assurance: Commitment to closing responsibly, ensuring applicants remain engaged and do not drop off early in the repayment cycle.

1. Structured Financial Assessment & Solution Positioning

• Audit comprehensive borrower risk exposure across multiple external lenders, financial institutions, and digital lending channels.
• Evaluate real repayment capacities, household cash flows, and individual urgency levels to position FLIN programs as a vital, non-optional path to financial recovery.
• Structure enrollment terms that guarantee long-term program affordability for the borrower while protecting the company’s asset performance boundaries.
• Enforce high quality control filters during the initial qualification loop to actively prevent early borrower drop-offs or collection lapses.

1. Pipeline Engine & Funnel Discipline
   

• Hit daily activity metrics consistently, maintaining strict call volumes, conversation durations, and outreach frequencies.
• Track and optimize personal conversion paths across all defined CRM funnel stages: Contacted > Qualified > Offered > Enrolled / In-Principle Approval (IPA).
• Identify stalled qualified pipelines or aging leads, implementing urgent reactivation strategies to minimize lead degradation.
• Ensure 100% data integrity inside the CRM, logging call results, customer financials, and settlement milestones with zero compliance gaps.

1. Cross-Functional Alignment & Friction Reduction

• Collaborate with credit underwriting, product development, and marketing growth teams to ensure front-end sales narratives match actual credit approval policies.
• Reduce operational rework and applicant friction by submitting precise, verified consumer profiles to the origination desk.
• Support the rapid resolution of onboarding or origination issues, acting as a collaborative liaison between the borrower and the credit risk team.

1. Leadership Readiness & Vertical Scaling

• Mentor upcoming junior sales officers and assist with the onboarding architecture for new hires as targets are systematically exceeded.
• Contribute continuous field insights to refine the corporate sales playbook, scripts, and objection-handling matrices.
• Support future pilot initiatives, including the opportunity to help build, test, and scale structural restructuring and refinancing verticals in expansion markets like Indonesia.

CORE COMPETENCIES

• Revenue & Quota Optimization: Strong capability to consistently hit and exceed challenging, volume-driven enrollment and debt consolidation disbursement quotas.
• Structured Financial Profiling: Ability to quickly analyze a borrower’s multi-lender credit exposure and determine real repayment capacity for optimal solution structuring.
• High-Velocity Objection Resolution: Confidence and strategic skill in addressing complex affordability concerns and building immediate brand trust with highly skeptical, subprime consumers.
• Pipeline Funnel Discipline: Absolute commitment to daily CRM workflow compliance, minimizing lead aging, and optimizing contact-to-IPA (In-Principle Approval) ratios.
• Cross-Functional Underwriting Alignment: Seamless coordination with credit risk, product, and marketing operations to ensure high first-pass quality of application profiles and zero sales friction.
• Portfolio Quality Safeguarding: Focused on closing restructuring contracts responsibly to prevent early payment drop-offs, ensuring long-term client compliance and high-performing accounts.

WHAT SHOULD YOU HAVE?

• Bachelor’s degree in Business Administration, Finance, Strategic Marketing, Economics, Communications, or any relevant commercial discipline.
• Minimum of 2–4 years of proven, high-velocity, quota-driven sales experience within structured financial environments.
• Native/Fluent proficiency in Tagalog (Mandatory) and high professional proficiency in English
• Financial Literacy & Cash Flow Analysis: Ability to dissect complex debt schedules, calculate debt-to-income metrics, and determine sustainable surplus cash boundaries for applicants.
• CRM-Driven Workflow Architecture: Deep operational familiarity with modern CRM systems (HubSpot, Salesforce, or equivalent) to manage high-volume leads without drop-offs.
• High-Impact Closing Mechanics: Mastery of phone-based closing strategies, structured narrative framing, and psychological de-escalation methods for subprime clients.
• Funnel Diagnostics: Ability to interpret daily sales funnel analytics (contact rates, qualification ratios, offer-to-IPA conversions) to self-correct performance gaps.
• Integrity & Low Opportunism (Dark Traits Baseline): Rigid alignment with corporate ethics, treating marketing budget allocation, user data privacy (PII guidelines), and absolute transparency in performance metric reporting as a non-negotiable professional baseline.
• Accountability & Ownership: Takes absolute accountability for full-funnel customer acquisition outcomes, capital efficiency, and hitting target CPA/CAC metrics within an agile 0→10 growth ecosystem.
• Growth-Minded Thinking: Aligns performance media buying, AI-driven content generation, and organic social positioning with deep localized consumer behavior trends and the company’s scaling milestones.
• Analytical Problem-Solving: Proactively diagnoses multi-channel funnel drop-offs, isolates attribution anomalies, and implements data-driven experiments to course-correct underperforming campaigns.
• Adaptability & Experimentation: Thrives in a high-velocity, rapid-testing landscape; effortlessly manages conflicting channel objectives while deploying, failing, and iterating new creative formats at speed.
• Empathy & Customer-Centric Mindset: Focused on crafting user-centric narratives for financially distressed audiences, ensuring that content strips away the stigma of subprime credit while building profound brand trust and clarity.