Sales Officers

Oxygen is a leading microfinance institution committed to providing accessible financial services to individuals and businesses across Nigeria. 

• Actively source, prospect, and onboard qualified customers who meet Oxygen's lending criteria
  
• Conduct thorough customer assessments to evaluate creditworthiness and loan eligibility
  
• Process loan applications accurately and efficiently in accordance with company policies
  
• Achieve monthly and quarterly loan disbursement targets
  
• Ensure all required documentation is complete and compliant before disbursement
  

Customer Relationship Management

• Maintain regular contact with disbursed customers to monitor loan performance
  
• Proactively follow up with customers to ensure timely loan repayments
  
• Identify early warning signs of potential defaults and take preventive action
  
• Provide ongoing financial advisory and support to customers throughout the loan lifecycle
  
• Build and maintain strong, long -term relationships to encourage repeat business
  

Portfolio Quality Management

• Maintain a Portfolio at Risk (PAR) ratio of less than 5%
  
• Implement effective collection strategies for overdue accounts
  
• Ensure accurate and timely reporting of loan performance
  

Requirements

Education & Experience

• Minimum of OND/HND/Bachelor's degree in any discipline
  
• 1 -3 years of experience in sales, lending, microfinance, or customer -facing roles
  
• Proven track record of meeting or exceeding sales targets
  
• Experience in loan recovery or collections is an advantage
  

Skills & Competencies

• Strong sales and negotiation skills
  
• Excellent customer service and interpersonal abilities
  
• Good understanding of credit assessment and risk management
  
• Strong follow -up and organizational skills
  
• Proficiency in Microsoft Office Suite
  
• Excellent communication skills (written and verbal)
  
• High level of integrity and ethical conduct
  
• Self -motivated, results -driven, and detail -oriented
  
• Ability to work under pressure and meet tight deadlines
  

Benefits

Competitive Compensation Package:

• Probationary Period (3 months): ₦120,000 net monthly salary + transportation allowance
  
• After Confirmation: ₦150,000 net monthly salary + transportation allowance
  
• Quarterly Bonus: 50% of monthly salary when KPIs are met and PAR is below 5%
  
• Performance Commission: 2% commission on disbursements exceeding monthly targets
  
• Monthly training and professional development programs
  
• Career growth opportunities in a rapidly expanding organization
  

Disbursement Targets:

• First month: ₦4,000,000
  
• Subsequent months: ₦5,000,000