Business Development Officer (Sales) at Opay Nigeria

OPay Microfinance Bank (formerly BlueRidge Microfinance Bank) is a Nigerian financial institution operating within the microfinance and digital banking sector. The bank provides financial services aimed at individuals, businesses, and underserved communities, leveraging digital technology to facilitate payments, transfers, savings, and other banking services.

We are  recruiting to fill the position below:

 Job Title: Business Development Officer (Sales) 

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Location: Nationwide
Employment Type: Full-time

Job Summary

• The Sales Agent is responsible for generating quality leads, acquiring customers and merchants, supporting applications through the sales process, conducting compliant field verification, and achieving assigned sales and disbursement targets.
• The role requires extensive field engagement, accurate data capture, strong customer relationship management, and strict adherence to company and regulatory requirements.

Key Responsibilities

• Identify and approach prospective customers and merchants within the assigned territory.
• Explain the company’s products, services, eligibility requirements, and application process clearly to prospective customers.
• Generate quality leads and support customers through the application and onboarding process.
• Conduct proper customer and business verification in line with approved procedures.
• Capture and submit required customer, business, location, and application information accurately through approved systems.
• Ensure all field verification evidence, including customer/business photographs and GPS-enabled records where required, is genuine, clear, and compliant with company standards.
• Follow up with customers on pending applications and provide accurate updates until completion.
• Build and maintain strong relationships with merchants and customers to drive repeat business and referrals.
• Achieve assigned daily, weekly, and monthly sales and disbursement targets.
• Monitor the status of submitted applications and promptly resolve or escalate exceptions.
• Maintain accurate records of prospects, applications, approvals, disbursements, and customer interactions.
• Observe all company policies, compliance requirements, data protection standards, and responsible lending practices.
• Provide regular field activity reports and feedback on market opportunities, customer needs, and competitor activity.
• Work closely with the Sales Manager and other relevant teams to improve conversion, customer experience, and portfolio quality.

Qualifications & Experience 

• Minimum of SSCE; OND/HND/Bachelor’s degree is an added advantage.
• Previous experience in sales, field marketing, business development, fintech, banking, microfinance, or a related field is an advantage.
• Must be comfortable working in the field and engaging customers directly.
• Basic ability to use smartphones, mobile applications, and digital tools.
• Ability to communicate effectively in English and interact professionally with customers.

Key Skills & Competencies:

• Strong communication and interpersonal skills.
• Lead generation, prospecting, and sales closing ability.
• Customer relationship management. • Attention to detail and accurate data capture.
• Integrity and strong compliance awareness.
• Ability to work independently and meet targets under pressure.
• Good territory and time-management skills.
• Basic digital literacy and reporting skills. Key Performance Indicators (KPIs)
• Number of qualified applications generated.
• Pre-approval and approval conversion rate.
• Number and value of successful disbursements.
• Quality of applications and verification accuracy.
• Daily/weekly field activity and customer coverage.
• Customer acquisition and retention.
• Compliance with verification and documentation standards.
• Timeliness and accuracy of reports. Working Expectations
• Maintain professional conduct and represent the company positively at all times.
• Protect customer and company information and comply with applicable internal policies and regulatory requirements.
• Provide accurate and timely reports and escalate operational, customer, or compliance issues promptly.
• Demonstrate accountability, teamwork, integrity, and a strong results-oriented mindset.