Senior Sales Officer

Requirements

Key Responsibilities

Loan Acquisition & Disbursement

• Actively source, prospect, and onboard qualified customers in line with Oxygen’s lending criteria
  
• Conduct detailed customer assessments to determine creditworthiness and loan eligibility
  
• Process loan applications accurately and efficiently in compliance with company policies
  
• Achieve assigned monthly and quarterly loan disbursement targets
  
• Ensure all required documentation is complete and compliant prior to loan disbursement
  

Customer Relationship Management

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

Portfolio Quality Management

• Maintain a Portfolio at Risk (PAR) below 5%
  
• Implement effective recovery and collection strategies for overdue accounts
  
• Ensure accurate, timely reporting of loan and portfolio performance
  

Requirements

Education & Experience

• Minimum of OND, HND, or Bachelor’s degree in any discipline
  
• 1–3 years experience in sales, lending, microfinance, or customer -facing roles
  
• Proven ability to meet or exceed sales and disbursement targets
  
• Experience in loan recovery or collections is an added 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:

•  Competitive Base Salary
  
•  Monthly 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 & Salary Structure

• ₦25,000,000 monthly target – Salary: ₦750,000
  
• ₦15,000,000 monthly target – Salary: ₦450,000