Company Info
Large organization
PalmPay Limited is an Africa-focused fintech firm, launched in 2019. PalmPay is a mobile payments platform that offers a number of financial services.
1 to 50 Employees
PalmPay Limited is an Africa-focused fintech firm, launched in 2019. PalmPay is a mobile payments platform that offers a number of financial services.
Title: Credit Sales Officer
Location: Oregun, Lagos
Employment Type: Full-time
Job Description
- We are seeking a dedicated and goal-oriented Credit Sales Officer to join our team.
- As a Credit Sales Officer, you will play a vital role in expanding our client base and driving revenue growth by promoting and selling credit products and services.
- You will work closely with clients to understand their financial needs, assess creditworthiness, and provide tailored solutions.
- This role requires strong interpersonal skills, a deep understanding of financial products, and the ability to build lasting customer relationships.
Key Responsibilities
Client Relationship Building:
- Develop and maintain strong relationships with existing clients while actively seeking new business opportunities.
- Understand clients’ financial goals and needs to offer suitable credit solutions.
Credit Assessment:
- Evaluate clients’ credit applications, financial documents, and credit history to determine their creditworthiness.
- Analyze risk factors and use credit scoring models to make informed lending decisions.
Sales and Business Development:
- Promote and sell a variety of credit products and services to individual and business clients.
- Identify potential clients through market research, networking, and referrals.
Customized Solutions:
- Collaborate with clients to understand their financial situation and recommend credit solutions tailored to their needs.
- Explain the features, terms, and benefits of different credit options to assist clients in making informed decisions.
Negotiation and Deal Closure:
- Negotiate terms, interest rates, and repayment schedules with clients to arrive at mutually acceptable agreements.
- Ensure compliance with company policies and regulations during the negotiation process.
Documentation and Compliance:
- Prepare accurate and complete credit applications, ensuring all necessary documentation is provided and verified.
- Ensure compliance with legal and regulatory requirements throughout the lending process.
Sales Targets and Reporting:
- Work towards achieving sales targets and quotas set by the company.
- Maintain accurate records of sales activities, client interactions, and outcomes.
Market Insights and Feedback:
- Stay informed about industry trends, competitive offerings, and market dynamics.
- Provide feedback to the management team about client preferences and market demands.
Qualifications and Requirements
- Minimum of OND in Finance, Business Administration, Economics, or a related field.
- Proven experience (1-5 years) in sales or business development, preferably within the credit sector.
- Strong knowledge of credit products, lending practices, and financial regulations.
- Excellent interpersonal and communication skills.
- Ability to assess credit risk and make informed lending decisions.
- Results-oriented with a proven track record of meeting or exceeding sales targets.
- Proficiency in using CRM software, Microsoft Office Suite, and other relevant tools.
- Strong negotiation and problem-solving abilities.
- Attention to detail and accuracy in documentation.
- Ethical conduct and adherence to confidentiality guidelines.
Salary
- N50,000 monthly basic, 30k KPI and 20k for transportation.
Deadline: Not Specified.
How to Apply: Interested and qualified candidates should Click Here to apply online