1. Growth, Sales, Revenue, and Profitability

• Develop the annual budget for offline paylater, covering sales, revenue, costs, profitability, and other key financial metrics.
• Propose budget adjustments when business performance deviates from the approved plan, whether due to sales growth or decline.
• Monitor and evaluate offline channel performance to ensure continuous growth and achievement of revenue targets.
• Monitor and evaluate offline channel performance to ensure profitability in line with company targets.

2. Merchant, Pricing, and Promotion Monitoring

• Propose merchant risk classification and pricing strategies in collaboration with the Risk team.
• Work with the Risk team to determine pricing strategies based on risk levels and merchant geographic locations.
• Monitor and evaluate promotional activities in the offline channel to ensure alignment with the approved budget.
• Ensure that pricing and promotional strategies are aligned with potential risk exposure.

3. Sales Capacity

• Collaborate with the Head of Offline Sales to define sales team headcount and propose organizational structure changes aligned with business strategy and field requirements.
• Support monitoring to ensure sales team fulfillment (from Promoters to Regional Sales Managers) meets the approved headcount.
• Coordinate with the Sales Performance Monitoring team on recruitment processes and act as a liaison with other departments to resolve hiring challenges.

4. Performance Monitoring

• Coordinate with Sales Performance and Merchant Monitoring teams to review sales team and merchant performance.
• Monitor and review store-level targets.
• Propose and review reward and punishment mechanisms for both sales teams and merchants.

5. Area Expansion & Extension

• Collaborate with the offline sales team to analyze and propose expansion of offline business areas.
• Coordinate with relevant departments to prepare for approved expansions (e.g., Business Development, Infrastructure, Recruitment, Systems, Training, etc.).
• Monitor and ensure expansion readiness is on track, enabling timely go-live according to the defined schedule.

• Bachelor’s degree (S1) in Economics, Management, Accounting, Statistics, Mathematics, or a related field.
• Minimum 5 years of experience in sales management or sales performance monitoring within banking, multifinance, or paylater industries.
• Strong understanding of lending business processes in banking, multifinance, or paylater sectors.
• Experience in performance reporting, database monitoring, sales monitoring, pricing strategy, or supporting campaign/promotion activities is a plus.
• Strong data analysis and reporting skills (e.g., sales, NOA, NOS, interest rates, subsidies, admin fees).
• Advanced proficiency in Microsoft Excel or Google Sheets.
• Basic understanding of campaign and promotion management.
• Strong communication skills with the ability to collaborate across teams.
• High attention to detail, strong time management, and results-oriented mindset.