Sales Officer at Oxygen

Job Description

Oxygen is a leading microfinance institution committed to providing accessible financial services to individuals and businesses across Nigeria. 

The Opportunity

We are seeking dynamic, results-driven Sales Officers to join our growing team across our branches in 18 states of Nigeria. As a Sales Officer at Oxygen, you will play a crucial role in driving our loan disbursement targets while building lasting relationships with our customers and maintaining high-quality portfolio performance.

Key Responsibilities

Loan Acquisition & Disbursement

•  Actively source, prospect, and onboard qualified customers who meet Oxygen's lending  criteria
•  Conduct thorough customer assessments to evaluate creditworthiness and loan eligibility
•  Process loan applications accurately and efficiently in accordance with company policies
•  Achieve monthly and quarterly loan disbursement targets
•  Ensure all required documentation is complete and compliant before disbursement
•  Customer Relationship Management
•  Maintain regular contact with disbursed customers to monitor loan performance
•  Proactively follow up with customers to ensure timely loan repayments
•  Identify early warning signs of potential defaults and take preventive action
•  Provide ongoing financial advisory and support to customers throughout the loan lifecycle
•  Build and maintain strong, long-term relationships to encourage repeat business

Portfolio Quality Management

•  Maintain a Portfolio at Risk (PAR) ratio of less than 5%
•  Implement effective collection strategies for overdue accounts
•  Ensure accurate and timely reporting of loan performance

 Requirements

 Education & Experience

•  Minimum of OND/HND/Bachelor's degree in any discipline
•  1-3 years of experience in sales, lending, microfinance, or customer-facing roles
•  Proven track record of meeting or exceeding sales targets
•  Experience in loan recovery or collections is an advantage

Skills & Competencies

• Strong sales and negotiation skills
• Excellent customer service and interpersonal abilities
• Good understanding of credit assessment and risk management
• Strong follow-up and organizational skills
• Proficiency in Microsoft Office Suite
• Excellent communication skills (written and verbal)
• High level of integrity and ethical conduct
• Self-motivated, results-driven, and detail-oriented
• Ability to work under pressure and meet tight deadlines

Benefits

Competitive Compensation Package:

•  Probationary Period (3 months): ₦120,000 net monthly salary + transportation allowance
•  After Confirmation: ₦150,000 net monthly salary + transportation allowance
•  Quarterly Bonus: 50% of monthly salary when KPIs are met and PAR is below 5%
•  Performance Commission: 2% commission on disbursements exceeding monthly targets
•  Monthly training and professional development programs
• Career growth opportunities in a rapidly expanding organization

Disbursement Targets:

• First month: ₦4,000,000
• Subsequent months: ₦5,000,000