# data[].attributes.body
What is your understanding of system means?
system is related to control everything about processing and decision. Related follow surrounding rules.

# data[].attributes.body
What is your understanding of system means?

system is set of rules, arrangement of things, or a group of related things that work toward common/ same goal.

# data[].attributes.body
What is your understanding of system means?
System is related to all the process flow mechanism follow the environment and purpose to the structure of company.

# data[].attributes.body
What is your understanding of system means?
- Prospecting
-Preparation
-Approach
-Presentation
-Handling Objections
-Closing

# data[].attributes.body
What is your understanding of SALES?

- Sales refer to all activities involve selling all products or service to consumer or business.

- Sales related to marketing, trust and relationship with customer.

# data[].attributes.body
What is your understanding of SALES?

members's name
1. azlinda
2. khairy
3. akmal
4. ghaffar

# data[].attributes.body
What is your understanding of SALES?
- trust- activities in getting trust from customer in selling our products/ service
-target / achievement

# data[].attributes.body
What is your understanding of SALES?
-Activities that lead to selling of goods and services in a given targeted period.

# data[].attributes.body
Team
1.Herlina
2.Awin
3. Hanim
4.Najwa
5. Maria
6. Junaidi

- Sales refer to all activities involve selling all products or service to consumer or business.
- Sales related to marketing, trust and relationship with customer.

# data[].attributes.body
What is your understanding of SALES?

# data[].attributes.body
6AM-7AM- Wake up, making bed, shower, Subuh prayer.

7AM-8AM- Preparing/breakfast & ready for work

8AM-9AM- On the road to work, planning for work activities (checking emails, go thru all pending works)

9AM-1PM- Marketing call, visitation branch, attend LO, Origination cases, reply customer inquiries, site visit.

1PM-2PM- Lunch Hour/Zohor prayer

2PM- 5.45PM- Preparing for submission, on board customer, get STP approval, advice acceptance, go for site visit.

5.45PM-7PM- Return Home & preparing for dinner & dinner with family.

7PM-10PM- Maghrib & Isyak prayer & Family Time ( Watching  movie/TV) /Preparing things for next day (ie- ironing, settle the house chores)

10PM- Sleep

# data[].attributes.body
6 am- 7 am
making the bed, light stretching
prepare for simple breakfast menu (toast, nasi goreng, sandwich ect)

7.30 am- 9 am
checking phone
prepare for going to the office
plan daily work

9.30 am- 11 am
checking email, attend care leads,
sorting prospecting customer for cold call
social Media marketing for others products such as Merchant card, SSL & QRPAY.

11.30 am- 1.00 pm
coordinate with manager
attend miscellaneous matter for the customer

2.00 pm-3.30 pm
connecting with the customer (call, site visit, follow up)
Rapport with branches (attend leads from branch, follow up with the staff)

4.00 pm- 5.30 pm
recheck email
check status AA submission in meaa
prepare for prospect customer for tomorrow

6.00pm- 7.30 pm
going home
exercise (jogging, cycling)

8.30 pm-10.00 pm
spend time with family (watching movie, games, playing with children)
sleeping

# data[].attributes.body
6 am- Wake up / Subuh prayer and get ready to work
7.30 am - Breakfast and go to work
9.15 - 12- doing work / at work station/ call customer
12-1- lunch / perform Zohor prayer
1-4.30pm - call customer for appointment, site visit customer,  update report
4.45-5 pm- solat Asar
5 - 6.45 pm - attend CARE, prepare for tomorrow works
7pm- going home
7.30 - 8.30 - perform Solat
9 -10pm - family time
10.30 pm - ready to bed

# data[].attributes.body
7.30 am-9.00am
Making the bed
Dhuha Prayer
Strengthening exercise
Do all my email in one go

11.30am -1.00pm
Stand up meeting with team
Connecting with Manager
Business continuity strategies
Updating my database
Social media marketing

4.00pm- 5.30pm
Market review
Going through my work target
My focus area and prioritis

8.30pm-9.00pm
Spending uninterrupted time with family
Releasing my stress
No checking phone and email
No negative zone

# data[].attributes.body
Syazwan
Hafizil
Baity
Izzati
Ahadiah
Sabri

# data[].attributes.body
What is your understanding of system means?

# data[].attributes.body
1. Salwa
2. Jerry
3. Aishah
4. Farha
5. Aizad
6. Syaheed
7. Norhayati

# data[].attributes.body
1. Akmal
2. Syazwani
3. Herlina
4. Azlinda
5. Khairi
6. Nursakinah

# data[].attributes.body
1. Hanim
2. Najwa
3. Shariza
4.Azwin
5.HeryHezryna
6.Junaidi
7.SME Coordinator
8. Maria

# data[].attributes.body
Strengths:
1. Fast learner
2. Confident
3. Multi tasking

Weaknesses:
2. Bored
3. Emotional

# data[].attributes.body
Where will you be and what position will you take up in
1 year : MCE
10years : Operation officer

Hoe much savings you would have
1 year : 50k
10 years : 500k

Properties (ie house/car/land/motorbike)
1 year : 2nd house maybe in Kl
10years : property ie 5 homestay / land / new car

Personal Development/ Personal Reward
1 year : outstanding achievement
10years : able to share and coaching team members / colleagues

What habits have you developed
1 year : healthy lifestyle & bonding time with family
10years :

# data[].attributes.body
Where will you be and what position will you take up in
1 year - maintain as MCE
10years - Manager in Maybank

Hoe much savings you would have
1 year - RM1000
10 years - RM1million

Properties (ie house/car/land/motorbike)
1 year - Motorbike
10years - No more “hutang” 😅

Personal Development/ Personal Reward
1 year - More child
10years - Enjoy life

What habits have you developed
1 year - Positive thinking
10years - Manage stress

# data[].attributes.body
Where will you be and what position will you take up in
1 year - MCE
10years - Manager

Hoe much savings you would have
1 year - RM2000
10 years - RM500000

Properties (ie house/car/land/motorbike)
1 year - House
10years - Semi D House

Personal Development/ Personal Reward
1 year - Best MCE /  New Roadbike
10years - Best Manager and Haji

What habits have you developed
1 year - Cycling and Jogging
10years - IronMan

# data[].attributes.body
Where will you be and what position will you take up in
1 year - MCE
10years - Manager

How much savings you would have
1 year - RM30K
10 years - RM200K

Properties (ie house/car/land/motorbike)
1 year - House
10years - Land

Personal Development/ Personal Reward
1 year - Best Mce
10years - Best Manager

What habits have you developed
1 year - Travel
10years - Wealth

# data[].attributes.body
strengths
-never give up
-independent
-committed

weaknesses
-impatience
-sensitive
-get bored quickly

# data[].attributes.body
Where will you be and what position will you take up in
1 year
10years

Hoe much savings you would have
1 year
10 years

Properties (ie house/car/land/motorbike)
1 year
10years

Personal Development/ Personal Reward
1 year
10years

What habits have you developed
1 year
10years

# data[].attributes.body
Where will you be and what position will you take up in
1 year-JG 52
10years-Branch Manager

Hoe much savings you would have
1 year-RM10K
10 years-RM1M

Properties (ie house/car/land/motorbike)
1 year-New Car
10years-3 houses

Personal Development/ Personal Reward
1 year-Go to OST-Teir 1
10years- Perform Haj & Umrah many times

What habits have you developed
1 year-To perform in job
10years-To become orang soleh.

# data[].attributes.body
Where will you be and what position will you take up in
1 year
10years

Hoe much savings you would have
1 year
10 years

Properties (ie house/car/land/motorbike)
1 year
10years

Personal Development/ Personal Reward
1 year
10years

What habits have you developed
1 year
10years

# data[].attributes.body
Where will you be and what position will you take up in
1 year - MCE
10years - Manager

How much savings you would have
1 year - RM100,000
10 years - RM5million

Properties (ie house/car/land/motorbike)
1 year - House
10years - My Own Business

Personal Development/ Personal Reward
1 year - Married
10years - Financial Freedom

What habits have you developed
1 year - Determined to achieve the best of everything, setting targets and raising the bar
10years - flexible and adaptable to any business/economic climate

# data[].attributes.body
Where will you be and what position will you take up in
1 year
10years

Hoe much savings you would have
1 year
10 years

Properties (ie house/car/land/motorbike)
1 year
10years

Personal Development/ Personal Reward
1 year
10years

What habits have you developed
1 year
10years

# data[].attributes.body
Where will you be and what position will you take up in
1 year
10years

Hoe much savings you would have
1 year
10 years

Properties (ie house/car/land/motorbike)
1 year
10years

Personal Development/ Personal Reward
1 year
10years

What habits have you developed
1 year
10years

# data[].attributes.body
Strengths:
1.Fast learner
2. Confident
3. Multi taskingWeaknesses:

Weaknesses:
1. Easy to trust person
2. Outspoken
3. Emotional even for a simple issue

# data[].attributes.body
Where will you be and what position will you take up in
1 year - MCE
10years - Manager

How much savings you would have
1 year - RM30K
10 years - RM200K

Properties (ie house/car/land/motorbike)
1 year - House
10years - Land

Personal Development/ Personal Reward
1 year - Best Mce
10years - Best Manager

What habits have you developed
1 year - Diet
10years - Go Travel

# data[].attributes.body
Where will you be and what position will you take up in :
1 year - Still MCE (Micro Credit Executive)
10years - Micro Credit Manager / other better position at other bank/company

How much savings you would have in:
1 year - 25K
10 years -350K

Properties (ie house/car/land/motorbike) in:
1 year - buy new car (MPV)
10years - buy my second house/Land (semi D)

Personal Development/ Personal Reward in:
1 year - Pregnant & have babies
10years- Be a good leader/Manager in organisation, /Go overseas trip with husband & family (Turkey, Umrah, London)

What habits have you developed in:
1 year - Practice worklife balance in a healthy ways. (Wake up early, diet, exercise)
10years - Continue a healthy lifestyle, more discipline to less sugar & dessert, eat more healthy food

# data[].attributes.body
Where will you be and what position will you take up in
1 year - Still MCE with same bank :)
10years - transfer to another department with same bank (operation)

Hoe much savings you would have
1 year      - 10k (ASB cash plus investment)
10 years  -500k ( saving cash + EPF )

Properties (ie house/car/land/motorbike)
1 year   - car + house
10years - 2 houses + land

Personal Development/ Personal Reward
1 year - Top Achiever MCE
10years - Top staff MBB(achiever )
- travel one world

What habits have you developed
1 year - more confident with customer ( face to face)
- powerful when spoke out
10years - knowledgeable everything a-z

# data[].attributes.body
Where will you be and what position will you take up in
1 year- MCE
10years- Hub Manager

How much savings you would have
1 year- RM50k
10 years- RM250k

Properties (ie house/car/land/motorbike)
1 year- New car
10years- Dream house

Personal Development/ Personal Reward
1 year- Perform Umrah
10years- Continue Study

What habits have you developed
1 year- Holiday Trips
10years- World tour holiday trips

# data[].attributes.body
Where will you be and what position will you take up in
1 year - maintain MCE or upgrade to BDE
10years- Hub Manager or SME Manager

How much savings you would have
1 year  6k
10 years 60k

Properties (ie house/car/land/motorbike)
1 year -new car
10years - dream house

Personal Development/ Personal Reward
1 year finish up my master
10years moving to PhD

What habits have you developed
1 year Holiday trips
10years world tour holiday trips

# data[].attributes.body
Where will you be and what position will you take up in
1 year- MCE
10years- Micro Manager

How much savings you would have
1 year- RM30k
10 years- RM500k

Properties (ie house/car/land/motorbike)
1 year- 2 house (house for rental)
10years- 4 house (house for rental + 1 family car (vellfire @ audi)

Personal Development/ Personal Reward
1 year- waiting for new baby
10years- Go to umrah & haji with my family/ holiday to oversea with family mmbers

What habits have you developed
1 year-
10years-

# data[].attributes.body
Where will you be and what position will you take up in
1 year - MCE (Micro Credit)
10years - Manager / other high position in Maybank

How much savings you would have
1 year - 30k
10 years -200k

Properties (ie house/car/land/motorbike)
1 year - new house concept (renovation)
10years - new house at new place

Personal Development/ Personal Reward
1 year - travel , perform Umrah
10years- oversea trip travel (Europe, Middle East) , career growth (manager)

What habits have you developed
1 year - wake up early, having a new healthy lifestyle (exercise,hiking), eat healthy food
10years -reading more books

# data[].attributes.body
Where will you be and what position will you take up in
1 year
10years

Hoe much savings you would have
1 year
10 years

Properties (ie house/car/land/motorbike)
1 year
10years

Personal Development/ Personal Reward
1 year
10years

What habits have you developed
1 year
10years

# data[].attributes.body
Where will you be and what position will you take up in
1 year - MCE
10years - A higher position than I'm in right now

Hoe much savings you would have
1 year - 20K
10 years - 200K

Properties (ie house/car/land/motorbike)
1 year - A car
10years - A landed house

Personal Development/ Personal Reward
1 year - Buying myself a car
10years - Travelling to overseas with my family

What habits have you developed
1 year - Able to confidently with a lot of people
10years - To be able to manage my emotion gracefully :')

# data[].attributes.body
Where will you be and what position will you take up in
1 year- still MCE
10years- BDE or any suitable position in SME in the same bank

How much savings you would have
1 year- RM20k
10 years- RM250k

Properties (ie house/car/land/motorbike)
1 year- 3 house (2 house for rental purpose)
10years- 1 new house (in terengganu) and new car (vios)

Personal Development/ Personal Reward
1 year- plan on getting married, travelling and sight seeing, getting close to family members spend time together (visit japan, korea, turkey, china in list)
10 years- spend time together and living together with my parent and take care of both of them, still travelling and experience new places and cultures. perform hajj in my early 40an

What habits have you developed
1 year- focusing on mental, spiritual and physical healthiness.
10years- more focusing on mental, physical & spiritual healthiness

# data[].attributes.body
strengths
-patience
-independent
-committed

weaknesses
-lack of confidence
-sensitive
-get bored quickly

# data[].attributes.body
Where will you be and what position will you take up in

1 year - stay MCE  or another sale position which is  suit for me.

10years - go for another fresh air with another place.

How much savings you would have

1 year- 100k

10 years - 4M

Properties (ie house/car/land/motorbike)

1 year - new Car,new motorbike

10years- dream house (banglow)new dream Car( BMW),own land

Personal Development/ Personal Reward

1 year-

-learn New things such plan a new business for future income.

-spent more quality time with my parent.

10years-

-Develop emotional intelligence

-improve my time management especially to my spiritual time.

What habits have you developed

1 year

-Develop a growth mindset to be always positive to my surrounding ( especially people around me)

-stay focus to be healthy ( take some supplement )and happy ( to be with positive people ) keep smiling

10years

-daily routine with healty routine.

-Develop emotional

# data[].attributes.body
Where will you be and what position will you take up in
1 year - MCE
10years - Manager

How much savings you would have
1 year - RM50K
10 years - RM200K

Properties (ie house/car/land/motorbike)
1 year - Land
10years - House

Personal Development/ Personal Reward
1 year -  Holiday to Pulau Redang with  my family
10years - Holiday to Overseas with my family

What habits have you developed
1 year - Improved myself to more patients to family & work
10years - Healthy Lifestyle

# data[].attributes.body
Where will you be and what position will you take up in
1 year- Same position
10years-having own company-Businesswoman@ beauty product

How much savings you would have
1 year-50k
10 years-1mil

Properties (ie house/car/land/motorbike)
1 year-2nd house
10years-dream car(Porche 911 & Ford Mustang)and 3 condos

Personal Development/ Personal Reward
1 year-perform haj
10years-travel the world with family

What habits have you developed
1 year-Eating healthy foods
10years-Be a Superwife and SuperMom

# data[].attributes.body
Where will you be and what position will you take up in
1 year
10years

Hoe much savings you would have
1 year
10 years

Properties (ie house/car/land/motorbike)
1 year
10years

Personal Development/ Personal Reward
1 year
10years

What habits have you developed
1 year
10years

# data[].attributes.body
1. Najwa
2. Khairy
3. Shariza
4. Aizat
5. Junaidy

# data[].attributes.body
1. leads refer by branch
- maintaining a good repo with branch and fast responding on all received leads
2. CRM leads from HQ
- continuiting receiving leads from HQ also a big part of successfully convert to AA
3. STP fast approval & less hassle- during MCO most loan approved from STP submission
4. customer refer customer
- some leads come from customer get customer when they satisfy with our services
5. large customer based
- Maybank always pump in large non borrowing customer to offer loan facilities with us.

# data[].attributes.body
Where will you be and what position will you take up in
1 year
10years

Hoe much savings you would have
1 year
10 years

Properties (ie house/car/land/motorbike)
1 year
10years

Personal Development/ Personal Reward
1 year
10years

What habits have you developed
1 year
10years

# data[].attributes.body
1. quite high of interest rate
- if compare with other banks, maybank offer quite high of interest rate especially STP, however STP submission less hassle than manual submission.
2. System STP not stable
- some times system hanging and updating, will manage customer experience
3. customer experience
- MCE need to educate customer how to key in STP and follow up since key in until acceptance
4. compete customer among us
- since all CSE & BDE also have target on STP loan, sometimes we follow up same customers
5. poor qualitiy leads
- some leads are not eligible to proceed to AA
6. Cannot do KYC & KYA during pandemic

# data[].attributes.body
Where will you be and what position will you take up in
1 year - stay with MICRO team ( Micro Credit Executive ) or another sale position which is  suit for me such as Consumer Sales Executive ( retail CFS) with upgrading salary ( RM 7k to RM8k ) and Grade to 51 or grade 52.

10years - HUB manager or any position suit for me  or go for another fresh air with another place ( others Bank with salary RM 15k per month)

How much savings you would have
1 year- 30k in saving ( ASB cash plus GOLD investment )
10 years - 3M in saving Cash ( gold investment  & ASB ) and plus EPF.

Properties (ie house/car/land/motorbike)
1 year - new Car budget 200k below model BMW black color or Merc silver color .

10years- dream house at front lake view budget RM500k below  in Melaka town and new dream Car ( RANGE ROVER).

Personal Development/ Personal Reward
1 year-
* travel with family to Istanbul having sightseeing with family   and plan another travel HOT balloon with my husband ONLY.
* Perform umrah with may parent with more than 15 days.
* JEWELLERY as my reward (gold).

10years-
*Develop emotional intelligence be positive to others.
* improve my time management especially to my spiritual time. ( follow USRAH team)
* still spent more time with my family and parent, balik kampung more at least 3 times aweek.
* Travel to EUROPE country France, Italy, Spain or germany
* HAJ perform.

What habits have you developed
1 year

* Develop a reading HABIT
* Develop a growth mindset to be always positive to my surrounding ( especially people around me)
* stay focus to be healthy ( take some supplement )and happy ( to be with positive people ) keep smiling

10years
* morning routine wake up earlier around 4am.
* Develop emotional and spiritual peace and mind - smiling face.

# data[].attributes.body
1. Najwa
2. Khairy
3. Junaidy
4. Shariza
5. Aizat

# data[].attributes.body
1. Ghaffar
2. Ahadiah
3. Hanim
4. Syaheed
5. Akmal
6. Hery

# data[].attributes.body
1. Customer Applied the facility without our assistance
- maximize the facility by offering others products

2. Fast Approval
- Inform customer that they loan has been approve within an hour to show how resilience our system

# data[].attributes.body
UNEXPECTED CHALLENGES: When loan approved but customer rejected due to interest rate, or expected higher loan amount.

HOW TO ADDRESS IT: Convincing customer nicely with facts and thorough calculation and comparison. Dnt be pushy but just convincing.

# data[].attributes.body
1. Internal data provided - CRM leads
2. First digital clean loan for SME's
3. Teamwork
4. Help entrepreneur to develop the business

# data[].attributes.body
Challenge
1. Longer Decision Time Frame
-  Follow up with Customer, give them some space to think about our offer.
2. Finding Qualified leads
- Filter sales product parameter
3. Building Trust & Credibility
- Good rapport with customer
4. Rejection (Not satisfied with loan amount approve)
- Persuade customer to take the facility 1st and reapply again later.

# data[].attributes.body
Where will you be and what position will you take up in
1 year - stay MCE
10years - Early retirement.

Hoe much savings you would have
1 year - RM100k
10 years - RM1mill

Properties (ie house/car/land/motorbike)
1 year - Full settle all outstanding loan.
10years - Free financial burden

Personal Development/ Personal Reward
1 year -
10years - Have performed my Hajj.

What habits have you developed
1 year -
10years

# data[].attributes.attachment_caption
Im Awin From Micro Ipoh Hub. Champion MCE in year 2019, OSP Qualifier tier 2 2019 & Top acheiver 2020 🌻

# data[].attributes.body
1. Finding quality leads.
✅ Filter leads before closing sales.

2. Getting a trust from the customer.
✅ Using fix line phone to cross sales.

3. Standing apart from competitor.
✅ Focus the advantages of our product and benefits.

4. Maintaining customer relationships post-sale.
✅ Offer a good service to customer not sales but anything related on business.

5. Duplicate Data.
✅ Assign data based to the right sales person.

6. Staying motivated.
✅ Keep on moving and stay positive.

# data[].attributes.body
1. COVID 19 PANDEMIC
- To across digital during distractions of pandemic-ONLINE STP
- Facing problem face to face meeting and no site visitation-*Using video call

2. BETTER OFFER FROM OTHER BANK
-Customer get better rate from other bank.
*Give good service to customer and be a good sales person so customer will loyal and repeated with sales person.

3. SALES DROP AND BUSINESS CLOSED
- Difficult to get approval
-Some business sector closing down
*Focus to sector in line--Retail Trade & Servicing

OPPORTUNITIES
1. ONLINE PLATFORM
- Increase volume on STP online submission and approval

2.PRODUCT LAUNCH(GOV FUNDS)
-Experience shift to some added product by government (TRRF)

3. MARKETING PLATFORM THROUGH DIGITAL
- Manage digitalize through TikTok channel

# data[].attributes.body
1. Siti Farha
2. Azlinda
3. Noor Aishah
4. Nur Izzati
5. Nursakinah

# data[].attributes.body
STRENGTH
1) Positive
2) Easy going
3) Can multi-task

WEAKNESS
1) Procrastinating
2) Fear of Failure

# data[].attributes.body
1. Noor Baity
2. Sabri
3. Herlina
4. Salwa
5. Norhayati Md Shah

# data[].attributes.body
Jerry
Syazwan
Norhayati
Azwin

# data[].attributes.body
1. Always think Positive
2. Friendly
3. Focus

Weakness
1. Overthinking
2. Easy to trust people
3. Too multitasking

# data[].attributes.body
Hafizil Adzril - MCE Subang Hub

# data[].attributes.body
Strengths
1.Motivation & friendly person
2.Can agile and adapt the any situation
3.Wiilingness to move forward

Weakness
1.Don't like repetitive work
2.Don't like last minute direction

# data[].attributes.body
Assalamualaikum & hi everyone.
6 years in Micro team.
I’m just came back from maternity leave.
HAC qualifier in 2018.

# data[].attributes.body
Strength
Work Smart
positive
confident

Weakness
controlling emotions
fear of rejection
self-limiting belief

# data[].attributes.body
Strengths in sales:
1. A good listener 👂🏻
2. Able to multitask 💪🏻
3. Relationship with customer 🤝

Weaknesses in sales:
1. Struggling to juggle time 🤧
2. 👎🏻 Working under pressure
3. Emotional 😅

# data[].attributes.body
Focused
Positive Attitude
Fast Leaner

Shyness
Impatience
Too direct

# data[].attributes.body
Hi..im Wanny from Micro Kb
Working almost 6 years
Top 1 MCE in year 2018
OSP qulifier tier 2 2017&2018

Strength
- Focus
- Keep positive
- time management

Weakness
- can't accept rejection
- lack of confident
- fear to failure

# data[].attributes.attachment_caption
MCE - Jalan Bunus since 2014. Almost 20 years with Maybank. Qualifier HAC 2020. #alwayspositive 💪