Jobs at Pennylender Limited

Summary

• Are you passionate about sales, B2B relationship building, and financial inclusion in the healthcare sector?
• We’re hiring a Business Development Officer to drive growth across our pharmaceutical loan portfolio.
• In this role, you'll build and manage a high-converting sales pipeline by identifying and acquiring pharmacies, distributors, and health-focused businesses, while also exploring opportunities to serve pharmacy staff with tailored personal loan products.
• If you thrive in a fast-paced, target-driven environment and understand how pharmacies operate, this role is for you.

Key Responsibilities

• Drive B2B acquisition by identifying and onboarding pharmacies, medical stores, and pharmaceutical distributors in need of business loans.
• Pitch and sell loan products to both business owners and, where applicable, their employees (e.g., pharmacists and pharmacy staff).
• Conduct needs-based analysis and recommend suitable financial solutions aligned with business growth goals.
• Build strong, trust-based relationships that lead to repeat business and referrals.
• Execute end-to-end sales activities: lead generation, cold outreach, field visits, onboarding, documentation, and disbursement support.
• Collaborate closely with credit, risk, and collections teams to ensure loan quality and timely repayment.
• Track and manage your sales, and deliver weekly performance updates and market intelligence.

Requirements

• Bachelor's Degree or HND / OND in Business, Marketing, Pharmacology, Finance, or related field.
• 1 - 3 years of experience in sales, B2B marketing, pharmaceutical field work, or SME lending.
• Strong knowledge of the pharmaceutical ecosystem and how retail pharmacies operate.
• Results-oriented mindset with a proven ability to meet or exceed monthly targets.
• Excellent communication, presentation, and negotiation skills.
• Comfortable working independently and in the field.

Preferred:

• Previous experience in pharmaceutical sales, loan sales, or fintech lending.
• A personal network within the pharmaceutical space.

go to method of application »

Job Summary

• We are looking for a diligent and proactive Field Risk Officer to support the Risk Department in conducting on-field credit risk analyses and KYC (Know Your Customer) activities for prospective clients.
• This role involves assessing borrower behavior, verifying loan utilization, identifying potential risks, and providing timely feedback on customer and portfolio conditions.
• It is crucial for minimizing default and fraud risks and for supporting loan recovery efforts.

Key Responsibilities

• Field Visits: Conduct field visits to verify client information, assess business operations, and monitor collateral
• Risk Management: Identify, assess, and mitigate credit risks, implementing strategies to minimize potential losses.
• Documentation and Compliance: Ensure accurate documentation and compliance with the in-house credit policies, regulations, and laws.
• Collaboration: Work with internal stakeholders, such as credit committees, risk management teams, and operations departments.
• Identify and report credit, operational, and reputational risks observed at the customer level.
• Support the monitoring and recovering of high-risk or delinquent loan accounts.
• Gather intelligence from the field to prevent fraud, default, or unethical practices.
• Assist in the enforcement of credit policies and field risk guidelines.
• Reports: Submit daily or weekly field risk reports with clear observations and recommendations.
• Escalate suspicious activity, early warning signs, or red flags to the Risk or Recovery team.
• Collaborate with Loan Officers, Recovery Officers, and Branch Managers to ensure portfolio quality.
• Perform ad hoc field investigations and background verification as assigned.

Requirements

• Candidates should possess an HND/BSc in Finance, Business, Risk Management, or related field with 0 – 2 years of experience in field operations, loan monitoring, or customer verification.
• Strong attention to detail and analytical mindset.
• Good communication and report writing skills.
• Basic Excel and Microsoft knowledge.
• Ability to work independently and travel frequently within assigned territories.
• Familiarity with SME or micro-lending processes is an added advantage.

Key Attributes:

• High integrity and discretion.
• Observant and investigative mindset.
• Strong interpersonal and reporting skills.
• Ability to manage time effectively under field pressure.