Credit Officer at Dlight Capital Ltd

D-light Capital Limited is a fast-growing microfinance institution dedicated to empowering petty traders, small business owners, and entrepreneurs with accessible financial solutions. We operate an innovative financial model that rewards discipline, consistency, and integrity. We are currently recruiting aggressive, self-motivated, and result-oriented Remote Savings & Credit Officers to join our field operations team.

Core Job Responsibilities

As a Remote Savings & Credit Officer, you will work directly in the field to grow the company's customer network.

Your duties include:

• Market Storming: Identify and onboard petty traders, artisans, and small business owners within your assigned territory.
• Savings Mobilization: Educate customers on the benefits of financial discipline and encourage them to save consistently for a mandatory 3-month period to qualify for business loans.
• Credit Assessment: Evaluate customers during their 3-month savings lifecycle to verify their business locations and determine creditworthiness for loans ranging from ₦50,000 to ₦1,000,000.
• Loan Recovery & Collection: Conduct field visits to ensure a 100% timely repayment rate on all active loans within your portfolio.
• Daily Digital Reporting: Submit daily field updates, including live pictures and GPS-tagged location check-ins from customer shops.

Requirements & Qualifications

• Education: OND, NCE, HND, or B.Sc. in Banking, Finance, Marketing, Business Administration, or any related discipline. (Smart SSCE holders with proven sales experience in microfinance will be considered).Experience: Minimum of 1 year of experience as a Loan Officer, Field Marketer, or Savings Mobilizer in a Microfinance Bank, Fintech, or cooperative society is an added advantage.
• Tools: Must possess an Android Smartphone with a functional camera and a strong internet connection.
• Skills: Excellent communication, negotiation, and debt recovery skills. Ability to work independently with zero supervision.
• Integrity: Highly honest, disciplined, and familiar with the local geography of the assigned area.

Compensation & Benefits Structure

We operate a transparent, high-reward, KPI-based payment system that heavily rewards hard work. Lazy staff who expect to sit at home and receive free money need not apply.

• Fixed Base Salary: ₦50,000 monthly guaranteed (All-inclusive allowance covering your basic remuneration, field transport, data, and call credit).
• Variable KPI Bonus Pool: Up to ₦50,000 monthly extra based on meeting your monthly targets (Savings mobilized, loan collection rates, and portfolio quality).
• Total Earning Potential: ₦100,000+ per month for meeting targets, with room for higher commission accelerators for over-performance.

Note: Must Be Residing In Abeokuta.