Prospecting : bringing supply and demand as close as possible. The sales representative must be constantly on the lookout for new customer niches (individuals, professionals and companies) in order to offer them SOFINA products designed to meet their needs.
Make it profitable: continuously detect the needs of the acquired client and provide him/her with all the information that will allow him/her to choose the financing offers that we have created for him/her.
Loyalty: Thanks to the KYC (know your customers) method, the sales representative must anticipate the customer's future needs and make proposals on how to improve them for total customer satisfaction. Manage the risks relating to each customer segment and manage them to the maximum.
CREDIT AGENTS:Develop SOFINA's credit portfolio
Financial education: The primary function of a loan officer is to provide advice. He/she accompanies the client in the process of applying for financing and guides him/her towards the most suitable credit products for his/her current needs and which respect his/her financial situation at the time of the application.
Recovery: After the credit has been set up, the loan officer accompanies the client in the implementation of his project and in the repayment of the credit granted.
Controlling the portfolio at risk it is very important for a loan officer to control the portfolio at risk of his client account. In order to ensure the sustainability of the company.
MOBILE BANKERS: Major actors of our proximity policy, the mobile portfolio managers market daily a set of micro finance and micro insurance products designed mainly for the informal sector (BENSKINEURS, BAYAM SELLAM, VENDEURS AMBULANTS and many others)
THE KEY TO SUCCESS
1. Cashiers/ counter clerks The counter clerk's mission is to answer all the customers' requests but also to inform them as well as possible. He represents above all the final stage of the sales process. It is therefore on him that the company's brand image relies above all, as he must welcome the customer in the best conditions.
2. Operations manager
Supervision and control of transactions and operations
Improving deadlines and optimizing procedures
Manage the team of back office managers who ensure administrative and accounting processing.
Organize the reporting of his activity; propose criteria for analysis and improvement.
3. Branch Manager:
Make the agency profitable
Develop the agency's portfolio
Coordinate the work of the agency staff
Manage customers on a daily basis and be available to them