Credit Sales Officer at PalmPay

Position Overview: 

• We are seeking a dedicated and goal-oriented Credit Sales Officer to join our team.
• As a Credit Sales Officer, you will play a vital role in expanding our client base and driving revenue growth by promoting and selling credit products and services.
• You will work closely with clients to understand their financial needs, assess creditworthiness, and provide tailored solutions.
• This role requires strong interpersonal skills, a deep understanding of financial products, and the ability to build lasting customer relationships.

Key Responsibilities:

Client Relationship Building:

• Develop and maintain strong relationships with existing clients while actively seeking new business opportunities.
• Understand clients' financial goals and needs to offer suitable credit solutions.

Credit Assessment:

• Evaluate clients' credit applications, financial documents, and credit history to determine their creditworthiness.
• Analyze risk factors and use credit scoring models to make informed lending decisions.

Sales and Business Development:

• Promote and sell a variety of credit products and services to individual and business clients.
• Identify potential clients through market research, networking, and referrals.

Customized Solutions:

• Collaborate with clients to understand their financial situation and recommend credit solutions tailored to their needs.
• Explain the features, terms, and benefits of different credit options to assist clients in making informed decisions.

Negotiation and Deal Closure:

• Negotiate terms, interest rates, and repayment schedules with clients to arrive at mutually acceptable agreements.
• Ensure compliance with company policies and regulations during the negotiation process.

Documentation and Compliance:

• Prepare accurate and complete credit applications, ensuring all necessary documentation is provided and verified.
• Ensure compliance with legal and regulatory requirements throughout the lending process.

Sales Targets and Reporting:

• Work towards achieving sales targets and quotas set by the company.
• Maintain accurate records of sales activities, client interactions, and outcomes.

Market Insights and Feedback:

• Stay informed about industry trends, competitive offerings, and market dynamics.
• Provide feedback to the management team about client preferences and market demands.

Qualifications and Requirements:

• Bachelor's degree in Finance, Business Administration, Economics, or a related field.
• Proven experience (3 years) in sales or business development, preferably within the credit sector.
• Strong knowledge of credit products, lending practices, and financial regulations.
• Excellent interpersonal and communication skills.
• Ability to assess credit risk and make informed lending decisions.
• Results-oriented with a proven track record of meeting or exceeding sales targets.
• Proficiency in using CRM software, Microsoft Office Suite, and other relevant tools.
• Strong negotiation and problem-solving abilities.
• Attention to detail and accuracy in documentation.
• Ethical conduct and adherence to confidentiality guidelines.