Sales Officer

The Opportunity

We are seeking dynamic, results-driven Senior Sales Officers to join our growing team across our branches. As a Senior 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 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 collection and recovery strategies for overdue accounts.
• Follow up on delinquent loans and ensure prompt recovery actions.
• Maintain accurate records of customer interactions, repayments, and recovery efforts.
• Provide timely and accurate reports on portfolio performance and recovery activities.

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

What We Offer

• Competitive remuneration.
• Performance-based incentives.
• Career growth and development opportunities.
• A dynamic and supportive work environment.
• Opportunity to make a meaningful impact in financial inclusion across Nigeria.