Job Openings at PalmPay

About The Role

• Flexi Microfinance Bank is expanding its Mobile Installment product nationwide and seeking enthusiastic, customer-focused Sales Agents to join our team. In this role, you will be stationed at designated 3C HUB retail outlets, engaging walk-in customers, promoting our phone financing solution, and guiding them through the onboarding and application process.
• 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

Compensation & Benefits

• Competitive guaranteed monthly basic salary of N70,000-90,000
• Transportation Allowance - N20,000
• Unlimited bonuses based on phone installment sales (N1,000 per phone sold)
• Training, coaching, and growth opportunities
• Performance incentives and rewards

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About PalmPay:

• PalmPay is a pan-African fintech company currently operating in Nigeria, Ghana, Kenya, Uganda, and Tanzania and expanding to other markets this year. We are reinventing the payments experience by making it easy and reliable for everyone to transfer money, pay bills and shop online.

Role Summary:

• We are looking for a collections officer to assist with the collection of outstanding overdrafts. The collections officer will contact clients and inform them of their overdrafts, negotiate payment plans, and ensure payments are made as soon as possible.
• To ensure success as a collections officer, you should have excellent communication, negotiation, and mathematical skills, as well as attention to detail. A skilled Collections Officer should be able to reduce company losses by encouraging customers to pay their overdue bills.

Responsibilities:

• Reviewing the company debtor list.
• Contacting customers and informing them of their overdue bills.
• Advising customers on their payment options and suggesting methods of payments.
• Negotiating suitable payment plans.
• Maintaining customer payment records.
• Preparing customer financial statements for banks and the state credit department.
• Writing final notice warnings to customers when payments are not being made.
• Instituting legal action when customers fail to pay their debt.
• Responding to customer queries.
• Contacting lawyers and insurance agencies to facilitate payments.              

Required Skill Set 

Must Haves

• BSC, HND or an ND holder in accounting, business management, or a similar field.
• Excellent negotiating skills.
• Good written and verbal communication skills.
• Familiarity with state debt collection laws.
• Knowledge of payment plans and accounting procedures.
• Knowledge of office and accounting software.
• Patience and resilience.

Desired   

• Previous experience working as a Collections Officer.
• Age between 20 - 35yrs.
   

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• As a Business Developer on PalmPay’s Pay with Transfer team, you will play a key role in driving business growth by identifying new opportunities, identifying quality merchants, educating agents and merchants, and enhancing product adoption.

Job Responsibilities:

• Market Prospecting: Identify and target key merchants across various market segments for PWT, merchant loans, collaboration, and online payment solutions, leveraging diverse channels such as online directories, industry gatherings, and referrals.
• Merchant Engagement Strategy: Initiate connections with potential clients, establish strong rapport, and schedule meetings or demonstrations to illustrate the benefits of adopting PalmPay's comprehensive suite of services.
• Needs Assessment: Conduct comprehensive assessments of clients' business operations, payment procedures, and pain points to identify specific needs and challenges, offering tailored solutions accordingly.
• Customized Presentations: Showcase PalmPay's services compellingly, highlighting features, functionalities, and potential returns on investment, tailored to each merchant's (Key, and Highquality merchant) unique requirements.
• Relationship Building: Cultivate enduring relationships with key decision-makers within client organizations, demonstrating expertise, reliability, and responsiveness.
• Negotiation and Closure: Lead negotiations on pricing, terms, and agreements to secure successful deals, ensuring satisfaction and adherence to company policies.
• Collaborative Implementation: Work closely with internal teams like product development and customer support to address client queries, offer technical insights, and ensure seamless implementation of chosen services.

Base Salary:

• 70,000. Transportation: 20,000 + Sales Commission based on performance

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• As a Business Developer on PalmPay’s Pay with Transfer team, you will play a key role in driving business growth by identifying new opportunities, identifying quality merchants, educating agents and merchants, and enhancing product adoption.

Job Responsibilities:

• Market Prospecting: Identify and target key merchants across various market segments for PWT, merchant loans, collaboration, and online payment solutions, leveraging diverse channels such as online directories, industry gatherings, and referrals.
• Merchant Engagement Strategy: Initiate connections with potential clients, establish strong rapport, and schedule meetings or demonstrations to illustrate the benefits of adopting PalmPay's comprehensive suite of services.
• Needs Assessment: Conduct comprehensive assessments of clients' business operations, payment procedures, and pain points to identify specific needs and challenges, offering tailored solutions accordingly.
• Customized Presentations: Showcase PalmPay's services compellingly, highlighting features, functionalities, and potential returns on investment, tailored to each merchant's (Key, and Highquality merchant) unique requirements.
• Relationship Building: Cultivate enduring relationships with key decision-makers within client organizations, demonstrating expertise, reliability, and responsiveness.
• Negotiation and Closure: Lead negotiations on pricing, terms, and agreements to secure successful deals, ensuring satisfaction and adherence to company policies.
• Collaborative Implementation: Work closely with internal teams like product development and customer support to address client queries, offer technical insights, and ensure seamless implementation of chosen services.

Base Salary:

• 70,000. Transportation: 20,000 + Sales Commission based on performance

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Job Summary

• We seek a proactive and result-oriented Field Collection Officer to manage and recover outstanding debts within Lagos. 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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Job Responsibilities

• Conduct on-site visits to customers with overdue payments to collect outstanding installments.
• Communicate with customers to understand repayment difficulties and negotiate repayment arrangements.
• Verify customer information and update repayment status in the system promptly.
• Retrieve devices or collateral from defaulted customers when necessary, following company procedures.
• Establish and maintain good working relationships with local police authorities within the assigned LGA to support recovery of long overdue or fraudulent cases.
• Report collection progress, field findings, and potential fraud cases to the supervisor regularly.
• Cooperate with risk control and customer service teams to improve repayment rates.
• Maintain professional conduct and protect the company’s image during all field operations.

Requirements

• Experience: Prior experience in loan collection, field recovery, or related financial services preferred.
• Skills: Good communication and negotiation skills; able to handle difficult customers professionally.
• Responsibility: Strong sense of discipline and accountability; able to work under pressure.
• Mobility: Must be willing to travel within assigned areas for on-site visits.
• Language: Proficiency in local languages; basic English communication required.
• Other: Honest, reliable, and familiar with local geography and market environment

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Job Responsibilities

• Conduct on-site visits to customers with overdue payments to collect outstanding installments.
• Communicate with customers to understand repayment difficulties and negotiate repayment arrangements.
• Verify customer information and update repayment status in the system promptly.
• Retrieve devices or collateral from defaulted customers when necessary, following company procedures.
• Establish and maintain good working relationships with local police authorities within the assigned LGA to support recovery of long overdue or fraudulent cases.
• Report collection progress, field findings, and potential fraud cases to the supervisor regularly.
• Cooperate with risk control and customer service teams to improve repayment rates.
• Maintain professional conduct and protect the company’s image during all field operations.

Requirements

• Experience: Prior experience in loan collection, field recovery, or related financial services preferred.
• Skills: Good communication and negotiation skills; able to handle difficult customers professionally.
• Responsibility: Strong sense of discipline and accountability; able to work under pressure.
• Mobility: Must be willing to travel within assigned areas for on-site visits.
• Language: Proficiency in local languages; basic English communication required.
• Other: Honest, reliable, and familiar with local geography and market environment