Direct Sales Agent (Marketer) at Sylvastar Group

Job Summary

• The Direct Sales Agent is responsible for driving customer acquisition, deposit mobilization, digital savings enrollment, loan generation, loan recovery, and promotion of the Cooperative Bank’s financial solutions and subsidiary products.
• The role requires aggressive field marketing, relationship management, and consistent achievement of business growth targets through the bank’s mobile applications and physical channels.
• The officer will also promote and market subsidiary products such as Foodstash and any other affiliated business offerings of the organization.

Key Responsibilities
Savings & Deposit Mobilization:

• Mobilize savings through the bank’s mobile application and other digital platforms.
• Drive customer enrollment and active usage of the bank’s savings app.
• Open new savings, current, and fixed deposit accounts for individuals, groups, and businesses.
• Meet assigned monthly targets for deposit mobilization and customer acquisition.
• Promote target savings plans and encourage customers toward a consistent savings culture.
• Follow up on inactive or dormant customers to improve account activity and retention.

Loan Generation & Recovery:

• Source and onboard qualified customers for loan products.
• Educate prospective customers on loan requirements, repayment plans, and eligibility.
• Conduct preliminary customer profiling and verification before loan processing.
• Follow up on loan applications and ensure proper documentation.
• Monitor customer repayment performance and carry out loan recovery follow-ups where necessary.
• Maintain healthy customer relationships while ensuring repayment compliance.
• Escalate overdue or delinquent loan cases appropriately.

Fixed Deposit Drive:

• Market fixed deposit investment opportunities to individuals and corporate clients.
• Educate customers on fixed deposit benefits, returns, and investment packages.
• Build relationships with high-net-worth individuals and cooperative groups for investment opportunities.

Product Marketing & Cross-Selling:

• Promote all banking products and services, including digital banking, transfers, POS services, loans, savings plans, and investment products.
• Advertise and market subsidiary products, including Foodstash and other affiliated services of the organization.
• Cross-sell relevant products based on customer needs.
• Participate in roadshows, campaigns, market activations, and promotional events.

Customer Relationship Management:

• Build and maintain strong customer relationships for repeat business and referrals.
• Attend to customer complaints and inquiries professionally and promptly.
• Ensure excellent customer service delivery at all times.
• Maintain proper customer records and confidentiality.

Reporting & Compliance:

• Submit daily, weekly, and monthly performance reports.
• Ensure compliance with the bank’s operational policies and regulatory standards.
• Maintain accurate records of sales activities, collections, and customer engagements.

Key Performance Indicators (KPIs)

• Monthly savings mobilization target achieved
• Number of customers onboarded on the mobile app
• Fixed deposit value generated monthly
• Loan disbursement target achieved
• Loan recovery and repayment performance
• Number of active customers acquired monthly
• Cross-selling performance on subsidiary products, including Foodstash
• Customer retention and relationship management
• Daily field marketing and visitation reports.

Qualifications & Requirements

• Minimum of an OND / HND / B.Sc Degree in Marketing, Banking & Finance, Business Administration, Economics, or related discipline.
• Previous experience in banking, cooperative, microfinance, fintech, or direct sales is an added advantage.
• Strong marketing, negotiation, and persuasive communication skills.
• Ability to work under pressure and achieve set targets.
• Good understanding of digital banking and mobile applications.
• Strong customer relationship and recovery management skills.
• Proficiency in Microsoft Office and digital communication tools.
• Must be result-oriented, proactive, and willing to engage in extensive fieldwork.