Graduate Trainee - Sales, Consumer Lending & Merchant Acquisition

Description

• We are seeking ambitious, energetic, and results-driven graduates for our Graduate Trainee Programme in Sales, Consumer Lending, and Merchant Acquisition. Successful candidates will receive practical training and hands-on experience in banking sales, customer acquisition, consumer loan marketing, and Point-of-Sale (POS) merchant onboarding.
• The successful candidates will support the bank's business growth by acquiring new customers, promoting banking products and consumer loan facilities, onboarding merchants to POS and digital payment solutions, and maintaining strong customer relationships while meeting assigned sales targets.

Key Responsibilities
Direct Sales and Customer Acquisition:

• Identify, prospect, and acquire new customers for the bank's retail and personal banking products.
• Promote savings accounts, current accounts, debit cards, and other approved banking products and services.
• Develop and maintain a pipeline of prospective customers through field marketing, referrals, and direct engagement.
• Meet assigned daily, weekly, and monthly sales and customer acquisition targets.
• Build and maintain positive relationships with existing and prospective customers.
• Identify opportunities to cross-sell and upsell relevant banking products.

Consumer Lending:

• Identify prospective customers who require personal loans and other approved consumer lending products.
• Market the bank's consumer loan products to eligible individuals and customer segments.
• Explain loan features, eligibility criteria, documentation requirements, repayment terms, and applicable charges to prospective borrowers.
• Assist customers with loan applications and ensure all required documents are submitted.
• Conduct preliminary customer assessments in line with the bank's lending policies and procedures.
• Follow up on loan applications and liaise with the relevant credit team for processing updates.
• Support loan repayment monitoring and customer engagement while adhering to approved credit and recovery procedures.
• Ensure that all loan applications and customer information are handled confidentially and in compliance with applicable regulations.

Merchant Acquisition and POS Sales:

• Identify, prospect, and onboard eligible merchants, retailers, SMEs, and business owners for the bank's POS and digital payment solutions.
• Promote POS terminals, merchant payment services, and other approved electronic payment products.
• Explain transaction processes, settlement procedures, service charges, and the benefits of cashless payments to merchants.
• Assist merchants with account opening, registration, documentation, and POS deployment.
• Provide basic guidance to merchants on POS terminal usage and transaction troubleshooting.
• Monitor merchant activity and identify opportunities to increase transaction volumes and usage.
• Maintain strong relationships with onboarded merchants and support the resolution of service-related issues.
• Identify new business locations and merchant segments with potential for growth.

Customer Service and Relationship Management:

• Provide professional and timely assistance to customers and merchants.
• Respond to enquiries and direct complex complaints to the appropriate department.
• Maintain accurate records of customer interactions, sales activities, loan applications, and merchant onboarding.
• Follow up with customers and merchants to encourage product adoption, retention, and satisfaction.
• Protect customer information and uphold the bank's service standards.

Reporting and Compliance:

• Prepare and submit periodic sales, customer acquisition, lending, and merchant onboarding reports.
• Track performance against assigned targets and implement agreed improvement strategies.
• Comply with the bank's policies on Know Your Customer (KYC), Anti-Money Laundering (AML), data protection, and customer due diligence.
• Ensure all customer acquisition, lending, and merchant onboarding activities follow approved procedures.
• Participate in training sessions, performance reviews, and other assigned development activities.

Requirements and Qualifications

• Bachelor's Degree or HND in any discipline from a recognized institution.
• A minimum of a Second Class Lower degree or Lower Credit is preferred.
• Must be a recent graduate or possess limited relevant work experience.
• Strong interest in banking, sales, consumer finance, and digital payment solutions.
• Excellent communication, negotiation, presentation, and interpersonal skills.
• Good customer service and relationship management abilities.
• Strong numerical, analytical, and problem-solving skills.
• Ability to work independently and as part of a team.
• Willingness to work in the field, visit customers and merchants, and meet demanding sales targets.
• Proficiency in Microsoft Office and basic digital tools.
• Must demonstrate integrity, professionalism, adaptability, and a strong willingness to learn.

Key Competencies:

• Sales and business development
• Customer acquisition and prospecting
• Consumer lending and financial product marketing
• POS and merchant onboarding
• Communication and negotiation
• Relationship management
• Target orientation and resilience
• Problem-solving and attention to detail
• Compliance awareness and ethical conduct.

Application Closing Date
9th November, 2026.

How to Apply
Interested and qualified candidates should:
Click here to apply online

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