Sales Officer

Job Description

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