Sales Head (Credit Cards I Consumer Banking) Hybrid

HRTx Inc; Pateros; Hybrid; PHP 3,000,000 - 6,000,000; Full time

Job summary

HRTx Inc. in Metro Manila is seeking a Head of Sales to lead Consumer Banking and Credit Card sales. You will drive acquisition, merchant partnerships, and multi-channel execution, while ensuring BSP-compliant operations and strong performance analytics.

The role oversees Sales Managers and Account Managers, designs incentives, and partners with Risk and Marketing. Ideal candidates have 8–10 years in sales leadership within banking or card services, a Bachelor’s degree, and a proven track record

Qualifications

• Bachelor's degree in business administration or finance is required.
• 8–10 years of sales leadership experience in consumer banking or credit cards.
• Experience in managing large-scale, multi-branch or outsourced sales operations.
• Strong ability to influence cross-functional teams (Product, Risk, Marketing).

Responsibilities

• Lead and mentor Sales Managers and Account Managers to drive credit card acquisition and consumer loan disbursement.
• Oversee merchant/retailer partnerships and co-branded programs with 0% installment offerings.
• Drive multi-channel coordination across telesales, DSAs, and POS networks while ensuring BSP compliance.
• Develop dashboards and KPIs to monitor approvals, activations, and spend, aligning with risk.

Skills

Sales Leadership

Cross-functional Leadership

Stakeholder Management

Data-driven Performance

Education

Bachelor's Degree in Business Administration/Finance

Job description

Job Title: Head of Sales – Consumer Banking & Credit Cards

Location: Metro Manila (Hybrid – 3 Days Onsite)

Schedule: Morning Shift | Monday to Friday

Role Overview

This role is responsible for leading a high-performing sales organization to drive the acquisition and usage of Credit Cards and Consumer Finance products. You will oversee Sales Managers and Account Managers, ensuring that sales targets are met through strategic partner collaborations, optimized telesales operations, and data-driven performance management.

Key Responsibilities

1. Sales Leadership & Portfolio Growth

• Lead and mentor a team of Sales Managers focused on Credit Card acquisition and Consumer Loan disbursement.
• Oversee Account Managers in managing Merchant/Retailer partnerships (e.g., co-branded cards or 0% installment programs).
• Drive the adoption of Value-Added Services (VAS) such as Balance Transfers, Credit Life Insurance, and Card-to-Cash initiatives.

2. Multi-Channel Coordination

• Synchronize sales efforts across Telesales units, Direct Sales Agencies (DSAs), and Point-of-Sale (POS) networks in retail environments.
• Ensure consistent branding and compliance with BSP (Bangko Sentral ng Pilipinas) regulations across all sales channels.
• Support the rollout of new card features, loyalty programs, and seasonal marketing campaigns.

3. Performance Analytics & Risk Alignment

• Monitor key performance indicators (KPIs) including Approval Rates, Activation Rates, and Average Spend Volume (ASV).
• Develop and maintain real-time dashboards to track product penetration and agent productivity.
• Collaborate with the Risk and Credit departments to ensure sales quality and minimize early delinquency (EDR).

4. Engagement & Incentive Design

• Design and implement competitive Incentive Frameworks and "Sales Contests" to motivate the workforce while maintaining ethical selling standards.
• Conduct regular performance briefings and feedback loops to cultivate a high-performance culture.

Qualifications

• Education: Bachelor's Degree in Business Administration, Finance, or a related field.
• Experience: Minimum 8–10 years in Sales Leadership, specifically within Consumer Banking or the Credit Card industry.
• Technical Skills: Proven track record in managing large-scale, multi-branch, or outsourced sales operations.
• Stakeholder Management: Strong ability to influence cross-functional teams (Product, Risk, and Marketing).