nghề sale ở citibank

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Trc ht l qua qua v mnh v cng vic ca mnh, cc bn nu nh qun mnh ri, hc cha/khng bit cng vic ca mnh s c 1 ci nhn qua qua v 1/2 cuc sng (nu o v mt thi gian) ca mnh by gi nh. Mnh tn l H My (y l tn mnh thng xng vi khch hng), cng thm mt ci ch "Citibank" ngha l ni mnh lm na. Vy l s ra template sms quen thuc: "Em cho ch/anh ABC, em l H My Citibank va c ni chuyn qua in thoi/gp anh/ch..... Em cm n anh/ch nhiu. Em H My Citibank." Title ca mnh l Personal Banker (PB - c a bn mnh gi l Pink Butt :)), trc khi thnh th ny th mnh lm 2 thng Financial Associate (FA. 1 dng Pre-sales). V cng vic chnh ca mnh, nh ni rt nhiu trn, l Sales. Sales. Vy mnh bn ci g? Bn hng Ngn hng th ng nhin l Bn cc sn phm ngn hng ri. Mnh chuyn v cc sn phm dch v ti chnh c nhn (mc d mi khi khch hi "Ok. so what do you sell?", mnh thng bn ra vi cu bng by, kiu nh: "I sell nothing but your satisfaction!") Ni v sn phm ca Citibank, th i thi, siu kh. S khng c mt ci g hu hnh nh li sut 17 18%, hay min ph/ tng ngay/ gim gi... Mi mc ph u thuc loi cao khng tng so vi mt bng chung, v t nht l Citibank cn cha quen thuc g vi ngi VN na. y l chng k n 1 ngn l 1 policy and restrictions do ngn hng t ra...

-------------------------------------------------------------------------------------------------Mnh mun k l gch u dng ra y nhng iu m 1 salesperson phi NG U, t nht l qua 7 thng mit mi Citibank mnh c ra c nh th. 1. Target - p lc doanh s. y l iu mi ngi lm sales phi ng u, d mun d khng, d sn phm tt hay sn phm d, d k vng cc sp cao n u (th hin target cao ngt tri hoc c-th-th-c). Overview v sn phm v thng hiu l iu u tin bn phi a ra xem xt khi quyt nh tham gia vo cng vic sales mt sn phm nht nh mt cng ty hay khng. V p lc doanh s da rt nhiu vo iu ny. Chia s v Citi, th cng c nhng lc mnh v cc anh ch ng nghip th ht ra mt cu: "Th th c m bn cho ma!". Nhng c th 10 hi nh vy, th target vn c l target. Bn khng t/ khng th t ==> bn out. Vy nn c .. khng tm phc khu phc th mnh vn c phi bn! 2. Customer Service - Dch v khch hng. Trc y khi mnh cn lm assistant hay FA, mnh ngh bng, ch g d bng phc v khch tt, cho h hi lng, cho h sng. Mnh c th thm hi vo ngy sinh nht, mnh c th thi thong gh thm, ri thc mc g l gii p ngay lp tc. Kh g! y vy m khng. iu y qu thc rt n gin khi bn ch c s khch hng m trn u ngn tay. Cn vi ngh sales c nhn nh mnh, s khch hng dn m ln 3 ch s, th ch 1 complaint khi mnh ang bn ti bi vi cc potential

customers khc th qu l nightmare! H s i, h s gin d, h c th gi bn lc na m, hoc lc 4h sng, ch bn gii quet ngay cho h th thi! M nht l khi mnh ti trt di vo ci ni ton tip khch VIP, 10 ng th n 8 ng lc no cng mun "Ti l u tin!". i vi mt ngn hng ngoi quc nh ni mnh ang lm, th i khi mnh b 2 khch mi lm yn lng 1 khch c, cn hn l nhn c Warning Letter c nh km th Complaint ca khch hng ang gin d! y nn. Customer Service khng phi lc no cng l mt lc y cho doanh s. M ngc li hon ton. 3. Internal Relationship - Quan h ng nghip. Mnh tm chia ra lm 2 nhm. 1 l ng nghip Sales. 2 l ng nghip non-sales. Vi nhng ngi cng sales nh mnh, th tt nhin chng ni ai cng bit khng phi lc no cm cng lnh canh cng ngt. Nht l khi ci h ch c ngn y con c, nh tay m vt phi con c trong tm ngm ca anh hng xm l cng chin tranh lnh khng cn iu ha ri! Internal Competition - Cnh tranh ng nghip chnh l mt ci gch u dng rt ln m Sales phi ng u, vn l ta dung ha c n u! Vi cc nhn t non-sales, v d nh operation, hay b phn qun tr ri ro, hay kim sat ni b chng hn, th mnh cng bn nhiu ngha l cng v vic cho h. Tt nhin iu y khng c ngha mnh ni rng cc anh ch em thuc nhng nhm y khng c tinh thn support sales, ch c iu nhng "va chm" t c th cng vic s i khi gy ra nhng c ch bt ha. T d nh khi sales mnh cng lng ra mi vc c v vi b h s, 2 3 ngy sau vo mt sng p tri nhn c tin tt c u b reject, th th hi c bc khng ch! C c khi m nghe thy my mu tin nh: "bn thm nh cng c target v reject" khng c ch! Nht l 1 t chc "c ng lut m lm" nh Citibank mnh. 4. Firm's Restriction - Lut cm... Li ni n lut l. C th ni ch u lm lut, v ch u cht ch nh ngn hng mnh. Thi th c. T nhng ci nh con kin n ci thng phi. Bn thn team mnh ton nhng k cu t cc ngn hng c trong nc c nc ngoi ngi vi nhau cn phi "Chp. Ch u nh Citi!" Ci ny hi b t mn, nu mun thng thc "Lut Citi", chc ch c cch mi cc bn ng tuyn vo ch bn t! Tt nhin khng phi u cng c nhng lut hoc quy trnh rc ri lm nh hng r rt ti tc bn hng ca sales, nhng chc u cc bn cng s c nhng bc xc, c th l: "Sao m nguyn tc th!", hoc "Xin ci my tnh cho nhn vin m c thng khng xong!".Tm li, lm sales ngha l mnh cng l mt nhn vin ca t chc, v d rng kt qu sales ca bn tuyt vi th mt ci nh li ti nh qun kha my tnh trc khi chy ra my photo cng c th t ch sm cho bn qun nc ngoi ng! 5. Developing Public Awareness - (tm gi l) Nhn bit X hi cha cao Ci ny th cc bn bn cc mt hng/ thng hiu ni ting Vit Nam hn s khng phi nm cnh "Ci g c? Ngn hng City ? , ngn hng Thnh ph H Ni ch g! Ch c my ci th y

ri!". Nhng trng hp d khc d ci nh vy khng phi l t, v mnh li phi mt cng "dy" h v to lng tin l, , Citibank ln th no, uy tn th no, bla bla bla... Ri cha k ti vic ri thay m gp cc bc to ( tm lm khch hng Citibank) m li cha bit th no l Citibank, th s li c ging iu "Anh i cc nc nhng ch bit ci ngn hng em l ci no!". Thi th, cong n cong, thng n thng, m nu c khng n cong c th nh gng un cho n thng ra ri n c vy!

-------------------------------------------------------------------------------------------------Th nhng m, tha cc bn, sau 7 thng mnh vn sng, m nhn con s th li y ngi c ngh l sng rt tt ch li! V nh nhng thng ngy y, m mnh HC RA C, V RA C v nhn c rt nhiu nhiu iu. 1. Emotion Balance - Cn bng Cm xc Mnh ng ra rng lm Sales l bi tp cn bng cm xc tt nht trn i. Chng th m dn sales hay t ph khen nhau rng lm sales l ngh nh cao. V kin thc phi c kt hp cng kh nng gii quyt cng vic nhun nhuyn, i km vi s iu tit cm xc ng lc, ng ch. Khi lm sales, ta c "nm" : v mng vui khi c khen c thng, v ng cht khi b mng b warning, v nc mt, v m hi, (sau ny nu m bn dao ko th chc c c) v mu na! (ci ny gi l tai nn ngh nghip!). Nhng khch hng khng c trch nhim phi cm nhn hay hng chu cm xc ca mnh, v ngi sales tt l ngi sales bn c hng ngay c khi ang upset tt cng. 2. Time Organizing - Sp xp Thi gian Lm sales c nhn c ci kh khn kinh d l u khch hng nhiu kinh khng, c potential c existing. Cha k nhng cng vic giy t v th tc ry r mt mi. i khi bit lm g khi khch complain ng di quy chi um, in thoi di ng rung bn bt v c khch khc gi, mnh th ang bn m in thoi bn tn khch mi, v sp th ang hm hm tin li gn? Ri th lm sao khi 3 khch hng quan trng cng i gp ti mt thi im (v d cng 10h sng chng hn!)? Lm sao y khi mn hnh pop up ln gn 50 ci mail c internal c ca khch hng, va deadline gii trnh v large transaction va email thc mc v sn phm ca khch? Chc ch c lm dn ri mi bit. Gch tot i ci l thuyt "First come First serve". T ngy i lm mnh khng cn dng day runner na, nhng ci lch v ci alarm t th mi hu dng lm sao! 3. Network Maximization - Tn dng Quan h Mnh rt thch khi c khch hng khen ngi. Nu khng lm sales th mi i no mnh c quen bit tip xc v ni chun vi nhng anh ch honh t trng ch. Khch ca mnh hay theo kiu 1 n 2, 2 n 5, 5 n 10. Tn dng giao tip v bi p quan h chnh l cha kha vng ca mnh, v chc chn l ca rt nhiu cc bn sales khc. V g na, mnh thch sales c nhn v mi quyt nh ca h u nm n 90% no phi, m ci no phi y li rt d chiu, ch cn tip cn ng

cch v theo ui vi tc ph hp. C lm sales i, bn s tr nn kho lo gp 10 bn ngy trc y! 4. Dont' work hard, work effectively - Lm vic Hiu qu Mnh rt khoi ci cch lm vic ca mnh, nhng c l ch p dng c vi ngh sales, v cng ch ng vi ngnh dch v c nhn thi. V thay v mt ngy gi 50 cuc in thoi nh sp yu cu, mnh ch gi c 10, nhng t l thnh cng li ti 50 - 60%. Sau mt qung thi gian di mit mi gi in gi email m chng c kt qu, dn d mnh hiu th no l "right time, right place, right people". V th l kt qu sales hn hn, m chng cn chy cong t hay gi in khn c hi. 5. Self Rewards - Phn thng cho bn thn V c nhng lc mnh ngh l mnh s b vic. Thc ra khi lm sales th nguy c v thi gian bn c nhng suy ngh nh vy chim ti 80% tng thi gian n lng ca bn. V sales ngha l p lc v ngha l ...mt! Nhng khng hiu sao may mn ngay nhng lc y li c nhng "bc qu" ri trng u. T d nh mt khch hng vit email khen ngi mnh ln tn tng G ca NH. T d nh va "cu" c mt h s ca khch no b reject cch y vi hm.. T d nh.. c bit mt vi ngi khch th v chng hn! Tt c nhng ci , cm n tri, d nh nht nhng gi mnh ngi im y d bom n ang bay qua c lit :))

-------------------------------------------------------------------------------------------------Cui cng, ang ni ti phn thng cho bn thn, mnh vit thm v 1 vi tips mnh c c sau thi gian gian trun u i ci ni ch n g n si :)) ny. Ch c cch g khc ngoi... make troubles enjoyable! 1. Meet people - Gp g mi ngi. Ngh sales c nhn c ci hay l ch ng v thi gian, c ni chuyn vi nhiu ngi, nhiu ngnh khc nhau. C kh khn hay bc bi g l mnh ln lch hn gp ngay nhng khch d chiu v tt tnh nht pending list ca mnh. i khi ch mt vi li ngi khen ca h cng ta c thm hng khi "sng" thm c tun ri. V thm na, vi nhng ngi ny, t l thnh cng s rt cao, ngha l li sp c thm 1 con s c nhch ln trn bng report. Ch g sng bng nhn cc con s ca mnh nhch ln c 1 t :) 2. Let it be - Makeno! i khi bn c 1 khch hng rt tt m li b reject tn dng. Bn vt v gi in ri email ngc xui cu cu hng mong "cu" c h s ny. Th nhng, nu n ngy th 3 (theo tc process cng vic ti ch mnh) m khng c kt qu r rt, th bn nn b n v chy cng cc khch hng khc. m ui cng nhiu, th khi tht vng s cng nhiu. Vy nn ng bao gi trng cng 1 gi :) 3. Live yourself first - Mnh lo mnh trc.

i khi team bn tham gia vo khng tt p nh bn tng. Bn c gng improve cc mi quan h ng nghip, nhng kt qu nhn c li khng hay ho cht no. Vy th, khi c ht sc m khng ra u vo u, mnh chn sng cho mnh trc. Nu c ci g khng c nh bn, th t nht l c lm trn cng vic ca mnh, tt nht c th. V nu khng sng c cng nhng ngi khc, bn ch c 2 la chn: sng vi mnh mnh, hoc ri b ci khi . 4. Don't let the job rule you - ng on mnh theo cng vic Mnh thch lm ch cng vic ca mnh, c l cng l l do mnh chn sales c nhn, d sales doanh nghip c th s hc c, v c hi thng tin tt hn nhiu. V trong tt c cc th loi sales, th y chc l con ng m mnh cn bn sc nht. Nghe c v hi thiu tinh thn teamwork, nhng s tht l mnh cm thy an i phn no v mnh v ag p dng c cch sales mang c th ca mnh v thnh cng nh thch ng vi rt nhiu khch hng. Li ni chuyn ci m, cch theo ui kin tr, nhng m phn quyt lit chnh l mt im rt tt mnh hc c sp. V i lc khch hng d rt high position cng phi bt ra m ngi khen mnh v iu . Cht li, l hy bn hng mt cch c bn sc! 5. Make holiday holiday - Ngh ra ngh, chi ra chi. ng bn hng vo ngy ngh. ng ngh rng nhng ngi high level h qu bn vi cng vic cng ty sut tun ngha l cui tun h c thi gian dnh cho mnh. Mnh chng bao gi bn hng vo cui tun c. V khch hng, ng nhin, h khng mun tip khch ti nh hay phi chy ra cafe np h s cho bn. Mnh... p h trong tun i. V cui tun l ngy mnh chi, v charge up cho tun ti.