SENIOR SALES OFFICER AT OXYGEN | SENIOR SALES OFFICER JOBS ABUJA & LAGOS

About Company:

Fixing banking and lending for the gig 1099-economy. Oxygen offers the best bank account, card and easy, fast affordable loans. Oxygen enables gig-employers to do right by today's hard-working nation while also making unbeatable returns on deployed lending capital.

Job Description:

Oxygen is a premier microfinance institution dedicated to bridging the financial gap for Nigerian businesses. We are looking for Senior Sales Officers who are not just "salespeople," but strategic growth partners. This role is designed for results-driven professionals who can navigate the entire credit lifecycle—from high-volume prospecting and rigorous risk assessment to maintaining a pristine portfolio.

With an industry-leading salary structure and a performance-based bonus system, this role offers a high-stakes environment for those who can deliver. If you have a proven track record of meeting multi-million naira disbursement targets while keeping your Portfolio at Risk (PAR) under control, Oxygen is your next career destination.

Requirements:

1. Strategic Loan Acquisition & Disbursement

• Market Penetration: Actively source, prospect, and onboard high-quality customers aligned with Oxygen’s specific lending criteria.

• Credit Assessment: Conduct deep-dive customer evaluations to determine creditworthiness and mitigate initial risk.

• Target Execution: Consistently hit monthly disbursement targets of ₦15M or ₦25M, ensuring all documentation is 100% compliant before capital is deployed.

2. Portfolio Quality & Risk Management

• The "5% Rule": Maintain total accountability for your portfolio, ensuring that Portfolio at Risk (PAR) remains strictly below 5%.

• Early Warning Systems: Monitor post-disbursement performance to identify early signs of financial distress and take immediate preventive action.

• Recovery Excellence: Implement aggressive yet professional collection strategies for overdue accounts to protect the institution’s capital.

3. Relationship Management & Financial Guidance

• Retention Strategy: Build long-term trust with clients to encourage repeat business and high-quality referrals.

• Financial Advisory: Provide ongoing guidance to customers throughout the loan lifecycle to ensure their business success and repayment capability.

• Lifecycle Monitoring: Maintain a rigorous follow-up schedule to ensure timely repayments and high customer satisfaction.

Qualifications and Skills:

Professional Profile

• Education: Minimum of OND, HND, or Bachelor’s degree in any discipline.

• Experience: 1–3 years in microfinance sales, lending, or debt recovery.

• Track Record: Proven ability to hit or exceed aggressive disbursement targets in the Nigerian market.

Core Competencies

• Sales Prowess: Advanced negotiation and prospecting skills.

• Risk Intelligence: Solid understanding of credit risk and customer assessment.

• Integrity: Uncompromising ethical standards in handling financial transactions and documentation.

• Resilience: Ability to thrive under pressure and meet tight month-end deadlines.

Salary

Application Closing Date: Not specified

Application Instructions:

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