Stellamarie Pagal
Customer Advocate at Teachers Savings and Loan Society- Claim this Profile
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Bio
Experience
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Teachers Savings and Loan Society
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Papua New Guinea
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Financial Services
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1 - 100 Employee
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Customer Advocate
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Sep 2022 - Present
Papua New Guinea
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Kina Bank
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Papua New Guinea
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Banking
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300 - 400 Employee
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Digital Sales Specialist
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Jul 2022 - Sep 2022
Port Moresby, Papua New Guinea *Manage and grow a portfolio of merchant business customers (prospective & existing) *Generate leads and create an effective pipeline of potential businesses *Effectively and efficiently manage merchant relationships *Present and promote Kina Bank digital channels services (Eftpos, Internet Banking, Kina Konnect, POS Integration, IPG, Bill Pay, Bulk Payments), to prospective and existing customers *Negotiate and allocate merchant pricing driven by transaction volumes based on team's… Show more *Manage and grow a portfolio of merchant business customers (prospective & existing) *Generate leads and create an effective pipeline of potential businesses *Effectively and efficiently manage merchant relationships *Present and promote Kina Bank digital channels services (Eftpos, Internet Banking, Kina Konnect, POS Integration, IPG, Bill Pay, Bulk Payments), to prospective and existing customers *Negotiate and allocate merchant pricing driven by transaction volumes based on team's set profitability platform on both Debit & Credit cards *Work closely with internal stakeholders to secure new businesses and assist with activities to grow merchant revenue.
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Staff Lending Specialist
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Nov 2020 - Jul 2022
Papua New Guinea * Protect the bank and client by complying with relevant policies/procedures, and country legal/regulatory requirements and compliance framework (KYC) * Determine staff needs, assess financial status, discuss financial options, identify sales opportunities and close the business within 3 days of initial contact. * Collaborate with Home Lending Services team to ensure efficiency in process drawdown loans in timely manner * Build draw upon a network of internal/external (Lending… Show more * Protect the bank and client by complying with relevant policies/procedures, and country legal/regulatory requirements and compliance framework (KYC) * Determine staff needs, assess financial status, discuss financial options, identify sales opportunities and close the business within 3 days of initial contact. * Collaborate with Home Lending Services team to ensure efficiency in process drawdown loans in timely manner * Build draw upon a network of internal/external (Lending Operations/HR and * Payroll/Collections/Executive Managers/Line Managers) partners and or/resources to achieve results for staff * Develop and adapt a disciplined sales process to convert a robust pipeline of prospects in to target market clients * Effectively access product expertise on behalf of client * Identify potential sales opportunities with clients/actively manage and deepen the client relationship * Perform adhoc duties as and when required or assigned to me (i.e. being Kitaim Administrator)
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Personal Lending Executive/Staff Lending Specialist
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Dec 2019 - Oct 2020
Port Moresby, Papua New Guinea
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Account Executive
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Apr 2017 - Dec 2019
Kina Headquarters Downtown Port Moresby * Oversee and manage portfolio of accredited Esiloan employers and employees through regular site visitations and relationship management with Key Persons. * Increase and grow Esiloan sales and lending portfolio by penetrating markets that have low percentage on incoming sales. * Increase and grow Esiloan employer portfolio by prospecting new businesses to on-board with Esiloan * New Business presentations * Refresher Presentations for existing companies in portfolio * Drive… Show more * Oversee and manage portfolio of accredited Esiloan employers and employees through regular site visitations and relationship management with Key Persons. * Increase and grow Esiloan sales and lending portfolio by penetrating markets that have low percentage on incoming sales. * Increase and grow Esiloan employer portfolio by prospecting new businesses to on-board with Esiloan * New Business presentations * Refresher Presentations for existing companies in portfolio * Drive highest service standards for Esiloan customers and monitor turnaround times * Ensure to meet/complete weekly targets and activities * Do daily Customer Meeting Records on site visitations * Do customer Meeting Reports on New Business prospects * Ensure all Esiloan applications meet the current Esiloan Terms and Conditions/Policies, and are screened according to compliance policies. * Give promotional ideas on how best to sell the product and services * Provided door-to-door service to customers with busy schedules * Cross-Sale with other Kina Bank Products
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Counter Sale Officer
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Nov 2013 - Apr 2017
Kina Headquarters downtown Port Moresby * Attend to all customer queries over the counter and by telephone with high standard of customer service ethics. * Make sales and New Business to meet the monthly budgets and targets * Promptly follow up on client's loan submissions with the processing team * Make receipts for each Cheque and Cash (Eftpos) payments done to clients * Effectively promote Esiloan product to attract more customers and retain them to Increase sales. * Issue printed statements to clients upon… Show more * Attend to all customer queries over the counter and by telephone with high standard of customer service ethics. * Make sales and New Business to meet the monthly budgets and targets * Promptly follow up on client's loan submissions with the processing team * Make receipts for each Cheque and Cash (Eftpos) payments done to clients * Effectively promote Esiloan product to attract more customers and retain them to Increase sales. * Issue printed statements to clients upon presentation of their valid ID cards * Project a very professional image of the company to all clients with a formal presentation * Attend to Admin queries where and when necessary * Consistently file documents accordingly * Data Entry of details on system for Esiloan applications * Cross-sale with other Kina Bank products
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Rental Sales Agent
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Apr 2013 - Oct 2013
6 mile, Port Moresby * Counter Service - Target business from potential walk-up customers, Represent Hertz at the Head Office and Airport Branches. * Car rental reservations and thorough completion of rental contracts of rented automobiles * Compile and submit weekly reports ensuring reports are submitted in a timely manner * Analyze sales statistics and assist branch in promoting sales in their respective areas * Customer complaint resolution * Manage assigned KEY client accounts * Provide quotes… Show more * Counter Service - Target business from potential walk-up customers, Represent Hertz at the Head Office and Airport Branches. * Car rental reservations and thorough completion of rental contracts of rented automobiles * Compile and submit weekly reports ensuring reports are submitted in a timely manner * Analyze sales statistics and assist branch in promoting sales in their respective areas * Customer complaint resolution * Manage assigned KEY client accounts * Provide quotes and pro-forma invoices based on type of automobile, daily rates, estimated mileage, Insurance coverage requested and amount of deposit required. Show less
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Education
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Gordon Secondary School
SOCIAL SCIENCES