Sales Officer - MFB at CredPal

Purpose Statement

• We are seeking highly driven and result-oriented Sales Officers to drive customer acquisition, deposit mobilization, and loan disbursement for our microfinance bank in Dawakin Kudu.
• The ideal candidate will be responsible for identifying new business opportunities, onboarding customers, and meeting aggressive sales targets while maintaining strong portfolio quality.
• This role requires individuals who are field-oriented, target-driven, and deeply familiar with the local market and customer segments within Kano State.

Responsibilities

Customer Acquisition & Business Development

• Identify, prospect, and onboard new customers (individuals and SMEs).
• Drive aggressive deposit mobilization and loan disbursement.
• Build and maintain a strong pipeline of prospective clients.
• Expand the bank’s customer base within Dawakin Kudu and surrounding areas.

Sales Target Execution

• Own and achieve assigned monthly sales targets (deposits, loans, and revenue).
• Consistently meet or exceed performance benchmarks.
• Maintain daily activity tracking and reporting of sales efforts.

Relationship Management

• Build and maintain strong relationships with customers.
• Provide ongoing support to ensure customer satisfaction and retention.
• Identify cross-selling opportunities based on customer needs.

Credit & Loan Origination

• Source quality loan opportunities in line with the bank’s credit policy.
• Conduct basic customer assessments and documentation.
• Ensure proper onboarding and complete credit documentation.
• Monitor loan performance and follow up on repayments.

Risk & Portfolio Quality Management

• Ensure high-quality loan bookings with minimal default risk.
• Monitor customer accounts and flag early warning signs.
• Support recovery efforts for overdue accounts.
• Maintain a healthy loan portfolio (low PAR/NPL levels).

Market Intelligence & Community Engagement

• Understand local market dynamics, customer behavior, and competition.
• Build a strong presence within the community and business clusters.
• Identify emerging opportunities and provide market feedback.

Key Performance Indicators (KPIs)

• Monthly Deposit Mobilization Volume
• Loan Disbursement Volume
• Customer Acquisition Numbers
• Portfolio Quality (PAR / NPL)
• Loan Repayment Rate
• Daily & Weekly Activity Levels
• Revenue Contribution 

Requirements

• Minimum of OND / HND / Bachelor’s degree in any relevant field.
• Minimum of 3years experience strictly within a Microfinance Bank (MFB) in a sales or business development role.
• Proven track record in deposit mobilization and loan origination within a microfinance environment.
• Strong understanding of local markets, SMEs, and informal sector dynamics in Kano State.
• Demonstrated ability to meet and exceed aggressive sales targets.
• Basic knowledge of credit assessment and risk management.
• Excellent communication, negotiation, and interpersonal skills.
• Highly motivated, target-driven, and field-oriented.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.