Jobs at DAG Industries Nigeria Limited

Job Summary

• The Territory Development Officer is responsible for driving sales growth, market expansion, customer acquisition, and dealer network development within the assigned territory.
• The role requires strong field sales experience in FMCG, Automobile, Solar, Etc, ensuring effective distribution, market penetration, and achievement of sales targets.

Key Responsibilities
Sales & Revenue Growth:

• Achieve monthly, quarterly, and annual sales targets within assigned territory.
• Drive product sales across retail outlets, distributors, and automobile dealerships.
• Identify new business opportunities to expand market share.
• Execute sales strategies to increase revenue and profitability.

Territory Management:

• Develop and implement territory coverage plans.
• Monitor competitor activities, pricing, and market trends.
• Ensure optimal product availability and visibility across outlets.
• Maintain accurate territory sales reports and forecasts.

Dealer & Distributor Management:

• Appoint and manage distributors, retailers, and automobile dealers.
• Strengthen relationships with existing partners to drive repeat business.
• Monitor dealer performance and provide business support.
• Ensure compliance with company sales policies and standards.

Market Development:

• Expand customer base through prospecting and field sales activities.
• Conduct market surveys to identify growth opportunities.
• Implement promotional campaigns and activation programs.
• Drive brand awareness initiatives within the territory.

Customer Relationship Management:

• Build strong relationships with key customers and stakeholders.
• Handle customer complaints and ensure timely resolution.
• Provide product training and support to dealers and retailers.

Reporting & Analysis:

• Prepare daily, weekly, and monthly sales reports.
• Analyze sales performance and recommend improvement strategies.
• Maintain accurate customer and sales database.

Performance KPIs

• Sales Target Achievement
• Market Share Growth
• New Dealer/Customer Acquisition
• Territory Coverage Efficiency
• Product Availability & Visibility
• Customer Satisfaction

Requirements & Qualifications

• Bachelor’s Degree in Business Administration, Marketing, or related field.
• 3–5 years sales experience in FMCG and/or Automobile industry.
• Proven experience in territory sales management.
• Strong negotiation and relationship management skills.
• Excellent communication and presentation skills.
• Ability to work independently and manage field operations.
• Good analytical and reporting skills.

Key Competencies:

• Sales & Business Development
• Territory Expansion
• Dealer Network Management
• Market Intelligence
• Negotiation Skills
• Customer Relationship Management
• Result-Oriented Mindset
• Problem Solving
• Time Management.

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Job Summary

• The Credit Officer is responsible for evaluating customer creditworthiness, managing credit facilities, minimizing financial risk, and supporting vehicle financing operations.
• The role ensures effective credit assessment, loan monitoring, and compliance with company credit policies while supporting automobile sales growth through structured financing solutions.

Key Responsibilities
Credit Assessment & Approval:

• Evaluate credit applications for vehicle purchases, fleet financing, and spare parts financing.
• Conduct detailed financial analysis including income verification, cash flow review, and repayment capacity assessment.
• Perform customer credit checks and risk profiling.
• Recommend credit limits and financing structures based on risk evaluation.
• Verify customer documentation including KYC, bank statements, and guarantor details.

Credit Facility Management:

• Administer and monitor credit facilities for automobile dealers, corporate clients, and retail customers.
• Ensure proper documentation and execution of loan agreements.
• Monitor repayment schedules and ensure timely collections.
• Review credit exposure and recommend facility renewals or restructuring when necessary.
• Maintain accurate credit records and facility tracking reports.

Risk Management & Compliance:

• Ensure adherence to company credit policies and regulatory requirements.
• Identify potential credit risks and implement mitigation strategies.
• Monitor delinquent accounts and initiate recovery actions.
• Work closely with legal and recovery teams on default cases.
• Maintain compliance with internal audit and financial control standards.

Collaboration with Sales & Operations:

• Support automobile sales teams with financing solutions to enhance vehicle sales.
• Liaise with dealers, financial institutions, and customers regarding credit arrangements.
• Provide credit insights to management for business decision-making.
• Assist in developing customer financing programs and credit policies.

Reporting & Documentation:

• Prepare periodic credit risk reports and portfolio performance analysis.
• Maintain proper filing of credit documentation.
• Track overdue accounts and prepare aging analysis reports.
• Provide management updates on credit portfolio health.

Requirements & Qualifications

• Bachelor’s Degree in Finance, Accounting, Business Administration, Economics, or related field.
• 3–5 years’ experience as a Credit Officer preferably in automobile, vehicle financing, loan facility, leasing, or asset financing.
• Strong knowledge of credit analysis, loan structuring, and risk assessment.
• Experience managing credit facilities and repayment monitoring.
• Good understanding of financial statements and credit evaluation techniques.
• Proficiency in MS Excel and credit management systems.

Core Competencies:

• Credit Risk Analysis
• Automobile Financing Knowledge
• Financial Analysis & Reporting
• Loan Administration
• Debt Recovery & Collection
• Attention to Detail
• Negotiation & Relationship Management
• Compliance & Risk Control
• Analytical Thinking
• Communication Skills.