Senior 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 Senior Sales Officers to join our growing team across our branches in Lagos and Abuja. As a Senior 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 in line with Oxygen’s lending criteria
• Conduct detailed customer assessments to determine creditworthiness and loan eligibility
• Process loan applications accurately and efficiently in compliance with company policies
• Achieve assigned monthly and quarterly loan disbursement targets
• Ensure all required documentation is complete and compliant prior to loan disbursement

Customer Relationship Management

• Maintain regular contact with customers after disbursement to monitor loan performance
• Proactively follow up with customers to ensure timely loan repayments
• Identify early warning signs of potential default and take preventive action
• Provide financial guidance and ongoing support to customers throughout the loan lifecycle
• Build and maintain strong, long-term customer relationships to encourage repeat business

Portfolio Quality Management

• Maintain a Portfolio at Risk (PAR) below 5%
• Implement effective recovery and collection strategies for overdue accounts
• Ensure accurate, timely reporting of loan and portfolio performance

Requirements

Education & Experience

• Minimum of OND, HND, or Bachelor’s degree in any discipline
• 1–3 years experience in sales, lending, microfinance, or customer-facing roles
• Proven ability to meet or exceed sales and disbursement targets
• Experience in loan recovery or collections is an added 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:

•  Competitive Base Salary
•  Monthly 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 & Salary Structure

• ₦25,000,000 monthly target – Salary: ₦750,000
• ₦15,000,000 monthly target – Salary: ₦450,000