“The Sales profession has no limits — only the ones you set for yourself.”
“Sales gives me the chance to surpass my own limits. Every customer, every number, every rejection — they all teach me to grow.”
— Tuấn Nguyễn, Regional Sales Manager – Home Credit Vietnam

THE BEGINNING OF AN 11-YEAR JOURNEY IN SALES

What brought you to the Sales profession, and what challenges did you face in the beginning?
I started working at Home in 2014. Back then, I was drawn to the dynamic environment, the growth opportunities, and especially the unlimited income potential. I thought, “If I do well in Sales, I’ll earn what I truly deserve.” And indeed, this career has given me far more than I expected — not only in income, but also in resilience, perseverance, and the ability to understand people.

However, Sales isn’t as glamorous as it may seem. At first, I faced countless rejections and the constant pressure of sales targets. But over time, I learned that persistence, a positive attitude, and the ability to truly listen are the keys to success. I broke my goals into smaller daily targets, took one step at a time — and before I knew it, the results came naturally.

UNLIMITED INCOME IS REAL

People often say Sales has “no income limit.” After 11 years, would you say that’s true?
Absolutely true. Your income depends entirely on your ability and effort. When I first started, my earnings were basic, but after a few years of building a stable client base, I saw a huge difference. The longer you stay in the job, the more relationships you build — satisfied customers introduce you to new ones — and that creates a sustainable source of income.

What’s your secret to keeping loyal customers for so many years?
I’ve always believed that “Selling is just the beginning; caring is the foundation.” I make it a point to regularly check in with past customers, offer help whenever needed, and listen carefully to their feedback, no matter how small. When customers feel your sincerity, they don’t just come back — they also bring new customers to you.

“Skills can be learned, but attitude must come from within. When you work with passion and truly listen to your customers, success is only a matter of time.”

DON’T JUST SELL PRODUCTS — SELL SOLUTIONS

In your opinion, what makes Sales in the financial industry different?
It’s unique because we’re selling something intangible. We don’t sell a phone or a product you can hold — we sell trust and financial solutions.

If you only focus on selling products, the relationship ends once the contract is signed. But when you genuinely understand what customers need, give the right advice, and help them overcome tough times, they see you as a trusted partner — someone they turn to whenever they need support.

I’ve had customers who first took a loan to buy a motorbike for work, later came back for a home renovation loan, and even introduced their friends and family. Once you build that cycle of trust, it never stops.

Over time, I’ve had so many clients that it’s hard to remember every single one, but they remember me — the person who helped them when they needed it most. I once met a customer who said, “You helped my nephew get a motorbike so he could start working and support our family. That small help changed his life.”

Moments like that make me love this profession even more. Every time I see a customer improve their life, earn more, or simply smile after receiving financial support from Home, I feel proud knowing my work truly matters.

OVERCOMING BIASES WITH KINDNESS AND PROFESSIONALISM

Consumer finance has faced many stereotypes — in the past and even today. How do you deal with that?
That’s true, especially in the early years. When I started, consumer finance was still new in Vietnam. Many people were cautious — they feared complicated procedures, high interest rates, and sometimes looked at finance staff with skepticism.

I still remember a customer saying bluntly, “Finance companies charge crazy interest. You could go broke!”

In those moments, instead of arguing, I chose to prove through actions. I took the time to explain every step clearly, walked customers through the contract terms, and showed them that everything was transparent and tightly managed. I never hesitated to answer even the smallest questions — as long as it made them feel safe.

Even after a contract was completed, I kept in touch to check how they were doing. Many later came back to thank me, or referred others, once they realized Home truly operates with integrity and care.

ABOUT SALES IN THE FINANCIAL INDUSTRY

After all these years, how would you define the Sales profession?
To me, Sales is a journey without limits.

No income limit – because your results always reflect your effort. In this job, there’s no “salary ceiling,” only a “determination ceiling.” Those who learn, adapt, and stay close to customers always earn what they deserve.

No limit to growth – every day is a new lesson: learning to listen, to understand customer psychology, to stay calm even after rejection. Through each call, each visit, and each deal, you build confidence, resilience, and emotional intelligence.

But because this job has no limits, it also demands constant growth. You must keep challenging yourself. There were days I felt exhausted — when targets weren’t met, when customers changed their minds at the last minute, or when my team struggled. I’ve asked myself, “Can I really keep going?” But every time, I remembered why I started — because this job gives me the chance to surpass myself.

What advice would you give young people starting out in Sales?
I’ve met many young Salespeople — full of ambition, but easily discouraged when facing pressure. Some quit after a few weeks because of rejection or unmet targets. But no one is naturally “born for Sales.” Success comes to those who stay long enough to learn from every challenge.

For me, hard work and a learning attitude are the two strongest weapons of a Salesperson. Every “no” from a customer, if seen the right way, is an opportunity — to understand better, to grow stronger, and to improve your skills.

Success in Sales never happens overnight. It’s built day by day — through every call, every customer visit, every bit of effort. And when you look back, you’ll realize the toughest days were the ones that made you stronger and more resilient than ever.

“Chuyện người làm sales” is a storytelling series by Home Credit, featuring real people and real stories to inspire those who are stepping into or already walking the path of sales, a profession that’s challenging, but absolutely worth it.