Sales Officer - MFB at CredPal

Purpose Statement


We are seeking highly driven and result-oriented Sales Officers to drive customer acquisition, deposit mobilization, and loan disbursement for our microfinance bank in Dawakin Kudu.
The ideal candidate will be responsible for identifying new business opportunities, onboarding customers, and meeting aggressive sales targets while maintaining strong portfolio quality.
This role requires individuals who are field-oriented, target-driven, and deeply familiar with the local market and customer segments within Kano State.


Responsibilities

Customer Acquisition & Business Development


Identify, prospect, and onboard new customers (individuals and SMEs).
Drive aggressive deposit mobilization and loan disbursement.
Build and maintain a strong pipeline of prospective clients.
Expand the bank's customer base within Dawakin Kudu and surrounding areas.


Sales Target Execution


Own and achieve assigned monthly sales targets (deposits, loans, and revenue).
Consistently meet or exceed performance benchmarks.
Maintain daily activity tracking and reporting of sales efforts.


Relationship Management


Build and maintain strong relationships with customers.
Provide ongoing support to ensure customer satisfaction and retention.
Identify cross-selling opportunities based on customer needs.


Credit & Loan Origination


Source quality loan opportunities in line with the bank's credit policy.
Conduct basic customer assessments and documentation.
Ensure proper onboarding and complete credit documentation.
Monitor loan performance and follow up on repayments.


Risk & Portfolio Quality Management


Ensure high-quality loan bookings with minimal default risk.
Monitor customer accounts and flag early warning signs.
Support recovery efforts for overdue accounts.
Maintain a healthy loan portfolio (low PAR/NPL levels).


Market Intelligence & Community Engagement


Understand local market dynamics, customer behavior, and competition.
Build a strong presence within the community and business clusters.
Identify emerging opportunities and provide market feedback.


Key Performance Indicators (KPIs)


Monthly Deposit Mobilization Volume
Loan Disbursement Volume
Customer Acquisition Numbers
Portfolio Quality (PAR / NPL)
Loan Repayment Rate
Daily & Weekly Activity Levels
Revenue Contribution


Requirements


Minimum of OND / HND / Bachelor's degree in any relevant field.
Minimum of 3years experience strictly within a Microfinance Bank (MFB) in a sales or business development role.
Proven track record in deposit mobilization and loan origination within a microfinance environment.
Strong understanding of local markets, SMEs, and informal sector dynamics in Kano State.
Demonstrated ability to meet and exceed aggressive sales targets.
Basic knowledge of credit assessment and risk management.
Excellent communication, negotiation, and interpersonal skills.
Highly motivated, target-driven, and field-oriented.
Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.