Growth Sales Officer (Merchant Acquisition) at Shara Inc

Key Responsibilities

Merchant Acquisition

• Prospect and onboard eligible trade businesses within assigned markets.
• Identify merchants with Verifiable revenue, Active inventory cycles, Clear need for transaction finance.
• Educate merchants on Shara’s financing model and repayment expectations.
• Ensure complete and accurate onboarding documentation.
• Work closely with the underwriting teams to move qualified merchants through approval.

Loan Activation and Utilisation

• Drive activation of approved merchants within target timelines.
• Ensure merchants draw down limits and use funds for trade cycles.
• Monitor merchant usage patterns and intervene where utilisation is low.
• Re-engage dormant approved merchants.
• Support limit resizing requests where justified by performance.

Portfolio Management

• Track all assigned merchants daily from Day 0 through 7-DPD
• Ensure merchants repay on time through reminders, visits, and relationship management
• Maintain a healthy portfolio within risk guidelines.
• Avoid poor-quality acquisition that leads to default.

Reporting

• Maintain accurate daily activity tracking on the acquisition pipeline, utilisation levels and repayment performance

Qualifications & Experience

• 2+ years in field Sales or Business Development in Fintech, Lending, FMCG, Supply Chain Logistics, or B2B platforms is a strong advantage.
• Strong understanding of SME trade dynamics, including inventory cycles, distributor relationships, and working capital constraints.
• High resilience, self-motivation, and ability to work independently in the field.
• Entrepreneurial, ethical, target-oriented mindset with a firm belief in Shara’s mission.
• Fluency in the local language of the operating territory is mandatory.