Job Offers at PalmPay

Job Summary

• The Chinese Translator will provide accurate translation and interpretation (Mandarin–English) to support communication between Chinese-speaking stakeholders and the SME team, while assisting with daily operational and administrative activities.

Key Responsibilities

• Translate documents and communications from Mandarin to English and vice versa.
• Provide interpretation during meetings and business discussions.
• Support communication between Chinese stakeholders and the SME team.
• Assist with daily administrative tasks, data collation, and basic statistical reporting.
• Accompany team on occasional field visits to customers and possible interstate trips (not frequent).
• Maintain confidentiality of company and client information.
• Perform any other duties assigned by the SME Manager or management.

Requirements

• Bachelor’s degree in a relevant field.
• Minimum of 2 years experience as a Chinese Translator/Interpreter.
• Fluency in Mandarin and English (spoken and written).
• Good communication, organizational, and Microsoft Office skills.

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Role Overview

• We are hiring a Data Manager to lead analytics and performance intelligence across a large-scale SME and merchant ecosystem. This role is responsible for how data is structured, interpreted, and used to drive decisions across merchant growth, operational execution, and portfolio performance.
• The ideal candidate is comfortable working with high-volume transactional data, operational activity data, and outcome metrics—and can translate these into insights that shape strategy, execution, and accountability.
• This role works closely with business, product, risk, and operations teams and is expected to operate close to real decision-making, not just reporting.

Key Responsibilities

Data Ownership & Governance

• Own the end-to-end data lifecycle across merchant activity, transactions, operational execution, and portfolio outcomes.
• Define and maintain clear, consistent metrics used across dashboards, reports, and performance reviews.
• Ensure data quality, accuracy, and traceability across multiple data sources and systems.
• Document definitions, assumptions, and logic behind key metrics to avoid ambiguity.

Merchant & Transaction Analytics

• Analyse transaction patterns to understand merchant behaviour, income stability, growth trajectories, and volatility.
• Develop merchant segmentation frameworks using behavioural and performance signals.
• Track merchant onboarding, activation, retention, and inactivity, identifying drivers of drop-off and reactivation.
• Surface early indicators of performance shifts using transaction and activity data.

Performance & Execution Analytics

• Build performance tracking frameworks for operational and field teams involved in merchant acquisition, activation, verification, and follow-up.
• Monitor productivity, conversion rates, turnaround times, and quality metrics across teams and locations.
• Identify execution bottlenecks and efficiency gaps and provide evidence-based recommendations.
• Support managers with clear, actionable performance dashboards.

Credit & Portfolio Performance Analytics

• Monitor how merchants progress through approval, utilisation, and repayment stages.
• Analyse approval funnels, utilisation behaviour, and portfolio trends across segments and geographies.
• Track performance migration and early stress signals within the portfolio.
• Support evidence-based calibration of thresholds, limits, and operating rules.

Dashboards, Reporting & Decision Support

• Design and maintain dashboards used in daily operations, weekly performance reviews, and leadership meetings.
• Translate complex datasets into concise insights, trade-offs, and recommendations.
• Provide regular performance summaries that explain what changed, why it changed, and what to do next.
• Support planning, forecasting, and performance reviews with reliable data.

Cross-Functional Collaboration

• Work closely with Product, Engineering, Risk, Operations, Finance, and Compliance teams to align data with business needs.
• Support internal governance, audits, and external reporting requirements where relevant.
• Act as a thought partner to stakeholders, helping teams ask better questions of the data.

Required Qualifications

• Bachelor’s degree in Data Science, Statistics, Economics, Computer Science, Engineering, or a related field.
• 4–7 years of experience in data analytics, business intelligence, or data management roles.
• Strong SQL skills and experience working directly with large, real-world datasets.
• Proven experience building dashboards using tools such as Power BI, Tableau, Looker, or similar.
• Strong ability to communicate insights clearly to non-technical stakeholders.
• Experience working with merchant, SME, payments, or lending data.
• Exposure to field-based or distributed operational models.
• Python, R, or similar tools for advanced analysis or automation.
• Experience in fast-growing or operationally complex environments.

What Success Looks Like

• Business and leadership teams trust and rely on the data to make decisions.
• Performance issues are identified early and addressed proactively.
• Merchant and portfolio behaviour is well understood and measurable.
• Dashboards and reports are actively used, not ignored.
• Decisions improve because the underlying system is visible and grounded in data.

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• This role requires strong communication skills, persuasive selling ability, and a passion for helping customers access mobile devices through flexible payment plans.

Key Responsibilities:

• Actively approach and engage walk-in customers at 3C HUB retail locations to promote Flexi MFB’s mobile installment financing product.
• Explain product features, payment plans, eligibility criteria, and financing terms in a clear and professional manner.
• Assist customers with onboarding, application submission, and required documentation.
• Provide accurate information, answer customer inquiries, and address concerns to ensure a seamless experience.
• Work closely with store staff and Flexi MFB operations teams to ensure efficient loan processing and approvals.
• Track daily leads, applications, conversions, and other assigned sales metrics.
• Follow up with pending customers to ensure completion of applications and final approvals.
• Ensure compliance with Flexi MFB sales guidelines, customer verification processes, and KYC requirements.
• Represent the Flexi MFB brand professionally while maintaining strong customer satisfaction and service standards.

Requirements

• Minimum of OND, NCE, or equivalent qualification.
• Prior experience in sales, field marketing, retail banking, or telecom product sales is an added advantage.
• Strong communication, persuasion, and negotiation skills.
• Ability to work in a fast-paced retail environment with daily customer interaction.
• Basic understanding of consumer lending and mobile phone markets (preferred, but not required).
• Computer literacy and ability to use smartphones or digital onboarding tools effectively.
• Result-driven mindset with a focus on meeting and exceeding sales targets.

Key Competencies

• Customer service mindset
• Confidence and resilience
• Ability to build rapport quickly
• Accountability and professionalism
• Goal-oriented with strong follow-through

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Job Summary

• We seek a proactive and result-oriented Field Collection Officer to manage and recover outstanding debts within the Ota and Ifo axis. The successful candidate will be responsible for conducting on-site visits to delinquent customers, negotiating repayment plans, and ensuring the timely recovery of funds while maintaining a professional relationship between the customer and the organization. This role requires a "street-smart" individual with a high level of integrity and a deep understanding of the local geography.

Key Responsibilities

• Conduct daily on-site visits to customers with overdue balances to secure immediate repayments.
• Engage with debtors to understand their financial challenges and establish realistic, sustainable repayment schedules.
• Perform "skip tracing" to locate customers who have changed addresses or are difficult to reach.
• Retrieve collateral or company devices from defaulting customers in strict accordance with recovery procedures.
• Maintain accurate, real-time records of all field activities, customer interactions, and payment commitments in the recovery system.
• Ensure all collection activities adhere to the FCCPC guidelines and company ethical standards to protect the brand’s reputation.
• Collaborate with local authorities and community leaders where necessary to facilitate the recovery of long-overdue or fraudulent cases.

Requirements

• HND, or B.Sc. in any discipline.
• Minimum of 1 year of experience in field collections, loan recovery, or as a field agent in the fintech or banking sector.
• Exceptional negotiation, persuasion, and interpersonal communication skills.
• Ability to work under pressure, meet strict weekly recovery targets, and handle difficult customers professionally.
• Willingness to travel extensively within the assigned territory (possession of a motorcycle and a valid rider’s permit is often an added advantage).
• High level of honesty and a clean track record in financial dealings.

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Key Responsibilities

Training & Development

• Design and implement structured sales training programs for new hires and existing sales staff.
• Conduct classroom, virtual, and on-the-job training sessions for field sales representatives and retail staff.
• Develop training materials such as manuals, presentations, role-play scripts, and assessment tools.

Product & Market Knowledge

• Train sales teams on mobile phone features, specifications, pricing, promotions, and competitive comparisons.
• Ensure the sales team understands market trends, customer needs, and competitor offerings.
• Regularly update training content in line with new product launches and market changes.

Sales Performance Improvement

• Coach sales representatives on effective selling techniques, upselling, cross-selling, and customer engagement.
• Identify skill gaps through performance reviews and field observations.
• Work closely with sales managers to address underperformance through targeted training interventions.

Field Coaching & Support

• Accompany sales reps on field visits to observe performance and provide real-time coaching.
• Demonstrate best practices in customer interaction and retail execution.
• Provide feedback reports after field assessments.

Evaluation & Reporting

• Measure training effectiveness using KPIs such as sales growth, conversion rates, and product penetration.
• Prepare training reports and recommendations for management.
• Track attendance, assessment results, and post-training performance improvements.

Key Performance Indicators (KPIs)

• Improvement in individual and team sales performance
• Product knowledge assessment scores
• Training completion and attendance rates
• Reduction in sales errors and customer complaints
• Adoption of sales techniques taught during training

Qualifications & Experience

• Bachelor’s degree in Business Administration, Marketing, or a related field.
• 2–5 years of experience in sales, sales training, or mobile phone/consumer electronics sales.
• Proven experience in training and coaching sales teams.

Skills & Competencies

• Strong presentation and facilitation skills
• Excellent communication and interpersonal abilities
• In-depth understanding of mobile phone products and sales processes
• Coaching, mentoring, and motivational skills
• Ability to analyze sales data and identify training needs
• Willingness to travel for field training and support