• Application Deadline:
• Position: Direct Sales Agent



• Job Type Full Time



• Qualification BA/BSc/HND , NCE , OND



• Experience



• Location Oyo




• City Ibadan




• Job Field Sales / Marketing / Retail / Business Development 
  
  

Job Purpose

• The Direct Sales Agent is responsible for acquiring new customers, mobilizing deposits, promoting the bank’s savings, loan, and digital banking products within assigned markets. The role is fully field-based and aims to grow the bank’s customer base, deposits, loans, and digital adoption through direct marketing, relationship management, and community engagement.

Core Duties & Responsibilities

Customer Acquisition & Relationship Management

• Actively source and acquire new customers for savings, current, fixed deposit, and loan products through field marketing, referrals, and activations.


• Build strong relationships with customers to encourage regular transactions, loan repayments, and account activity.


• Educate customers on the bank’s product suite—savings, loans, and digital services—ensuring they understand benefits and repayment responsibilities.


• Provide excellent after-sales support to maintain high customer satisfaction, loan repayment discipline, and retention.

Deposit Mobilization

• Mobilize deposits through savings, current, and fixed deposits to meet set daily, weekly, and monthly targets.


• Actively promote and cross-sell high-value deposit products (e.g., fixed deposits, special savings plans).


• Monitor and manage the cost of funds to ensure deposits are mobilized at competitive and acceptable interest rates.


• Organize market activations, community drives, and door-to-door campaigns to generate new deposits.

Loan Sales & Recovery

• Prospect, sell, and book loan products (e.g., personal loans, SME loans, salary advances) in line with set targets.


• Conduct basic credit profiling and preliminary assessment before submitting applications.


• Educate customers on loan terms, repayment plans, and responsible borrowing.


• Follow up to ensure prompt loan repayments and minimize default rates.


• Maintain loan portfolio quality by keeping PAR (Portfolio at Risk) within acceptable limits.

Digital Channel Adoption

• Ensure every account opened is activated on at least three e-channels (Kolomoni App, USSD, Internet Banking, Chat box).


• Demonstrate the use of digital channels to customers to drive cashless transactions and self-service banking.


• Track digital adoption rates and provide feedback to improve channel usage.

Field Sales Execution

• Plan and execute daily field visits to markets, trade centers, schools, churches, and communities for customer acquisition.


• Distribute flyers, conduct presentations, and host group sessions to promote both savings culture and access to credit.


• Convert prospects into active depositors, borrowers, and digital banking users within agreed timelines.

Reporting & Compliance

• Submit daily, weekly, and monthly reports on new accounts, deposits, loans booked, repayments collected, and channel activations.


• Ensure strict adherence to KYC requirements, AML regulations, and internal compliance policies.


• Maintain accurate records of all customer engagements, loans, and transactions.

Requirements

• Previous experience in sales, microfinance, fintech, or FMCG field marketing.


• Basic financial literacy.


• Minimum OND / NCE / HND / B.Sc banking and finance, business administration, or related field.