About the Role

We are looking for a results-driven Digital Sales professional who thrives in a fast-paced, target-oriented environment. This role is responsible for engaging prospective customers across digital channels, converting leads into paying customers, and driving sustainable revenue growth.

You will act as a trusted advisor throughout the customer journey — understanding customer needs, presenting the right solutions, addressing objections, and guiding prospects toward a successful purchase decision. Success in this role is measured by sales performance, conversion rates, customer satisfaction, and execution excellence.

This is not a passive order-taking role. We are looking for proactive sales professionals who can build relationships, influence decisions, and consistently close deals.

Responsibilities

1. Revenue & Quota Ownership (Primary Focus)

• Own a defined monthly mediation enrollment/debt consolidation disbursement quota
• Convert inbound and assigned leads into restructuring program enrollments
• Conduct structured financial assessment calls
• Present clear, compelling restructuring solutions
• Overcome affordability and trust objections decisively
• Maintain aggressive follow-up discipline to prevent lead leakage
• Close enrollments within defined cycle times

Non-Negotiable Performance Metrics:

• Monthly enrollment target
• Monthly revenue target
• Lead-to-mediation enrollment/ IPA conversion rate
• Average revenue per enrolled borrower
• Lead-to-mediation enrollment/ IPA cycle time

*IPA stands for In-Principle Approval for the Debt Consolidation Program

2. Structured Financial Assessment & Solution Positioning

• Assess borrower exposure across multiple lenders
• Evaluate repayment capacity and urgency level
• Position restructuring and refinancing as a structured solution — not optional advice
• Ensure program affordability while protecting portfolio performance
• Maintain quality standards to prevent early drop-offs

Objective:Close responsibly, but close decisively.

3. Pipeline & Funnel Discipline

• Maintain daily activity targets (calls, follow-ups, conversations)
• Track funnel stages: Contacted Qualified Offered Enrolled/ IPA
• Identify stalled qualified leads and reactivate with urgency
• Minimize lead aging
• Utilize CRM/LMS for pipeline management and perform proactive follow-ups to accelerate closing.
• Ensure 100% CRM accuracy

You will be measured daily, weekly, and monthly on:

• Contact rate
• Qualification rate
• Offer-to-Mediation Enrolment/ IPA ratio
• Follow-up effectiveness

4. Cross-Functional Alignment

• Coordinate closely with credit underwriting, product, marketing, and the growth team
• Ensure sales promises align with approval criteria
• Reduce rework and customer onboarding friction
• Support the quick resolution of onboarding and origination issues

5. Leadership Readiness (Performance-Based Progression)

Consistent overachievement will lead to:

• Mentoring junior sales officers
• Assisting with onboarding new hires
• Contributing to sales playbook refinement
• Participating in future team-building initiatives

Team leadership is earned through sustained performance.

Candidate Profile - Experience (Mandatory)

• 2–4 years of quota-driven sales experience in:
• Consumer Lending
• Digital Lending
• Debt Consolidation
• Mediation and Negotiations Advisory Services
• Solutions-based selling of financial products
• Proven history of meeting or exceeding monthly revenue targets
• Able to communicate in English
• Experience handling financially distressed or subprime customers preferred

Required Competencies

• Strong closer mentality
• High urgency and follow-up discipline
• Objection-handling confidence
• Financial literacy and cash flow assessment ability
• CRM-driven workflow discipline
• Emotional resilience under rejection
• Competitive, performance-oriented mindset

Key Performance Indicators (KPIs)

• Clear performance targets: IDR 2B monthly disbursement, 15 clients/month
• Actively drive digital sales for Dana Talangan, meeting targets of IDR 2B monthly disbursement and 15 new clients with the help of the growth/ marketing team.
• Ensure an application-to-disbursal conversion rate of 80% and IPA Rate 7%
• Meet SLA: Email replies within 2 working hours, WhatsApp/IG cleared daily with zero backlog.
• Document at least 2 customer success stories per quarter demonstrating empathy and solution-driven support.
• Share marketing insights from client conversations—minimum 2 per month.
• Collaborate with Risk and Credit Ops to ensure 100% SLA compliance for documentation collection.
• Participate in system audits (CRM, AI Agent, LOS) with at least 3 actionable insights per quarter.
• Participate in at least 1 cross-team project each quarter (e.g., campaign design, pre-approval flow, educational content).

Compensation Structure

• Industry-best competitive base salary
• Performance-based commission
• Accelerator incentives for overachievement
• Future leadership incentives tied to team build-out

Why Join FLIN

• High-impact revenue role in a growing fintech segment
• Building social impact at scale
• Clear performance-to-leadership pathway
• Exposure to structured distressed credit advisory
• Merit-based growth environment
• Opportunity to build and scale a restructuring/ refinancing vertical in Indonesia