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Sales Officers

icon building Company : Oxygen
icon briefcase Job Type : Full Time

Number of Applicants

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Job Description - Sales Officers

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

The Opportunity

We are seeking dynamic, results -driven Sales Officers to join our growing team across our branches in 18 states of Nigeria. As a Sales Officer at Oxygen, you will play a crucial role in driving our loan disbursement targets while building lasting relationships with our customers and maintaining high -quality portfolio performance.

Key Responsibilities

Loan Acquisition & Disbursement
  • 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


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