Job description
Job Description Oxygen is a leading microfinance institution committed to providing accessible financial services to individuals and businesses across Nigeria. The Opportunity We are seeking dynamic, results-driven Senior Sales Officers to join our growing team across our branches in Lagos and Abuja. As a Senior Sales Officer at Oxygen, you will play a crucial role in driving our loan disbursement targets while building lasting relationships with our customers and maintaining high-quality portfolio performance.
Requirements
Key Responsibilities Loan Acquisition & Disbursement Actively source, prospect, and onboard qualified customers in line with Oxygen’s lending criteria Conduct detailed customer assessments to determine creditworthiness and loan eligibility Process loan applications accurately and efficiently in compliance with company policies Achieve assigned monthly and quarterly loan disbursement targets Ensure all required documentation is complete and compliant prior to loan disbursement Customer Relationship Management Maintain regular contact with customers after disbursement to monitor loan performance Proactively follow up with customers to ensure timely loan repayments Identify early warning signs of potential default and take preventive action Provide financial guidance and ongoing support to customers throughout the loan lifecycle Build and maintain strong, long-term customer relationships to encourage repeat business Portfolio Quality Management Maintain a Portfolio at Risk (PAR) below 5% Implement effective recovery and collection strategies for overdue accounts Ensure accurate, timely reporting of loan and portfolio performance Requirements Education & Experience Minimum of OND, HND, or Bachelor’s degree in any discipline 1–3 years experience in sales, lending, microfinance, or customer-facing roles Proven ability to meet or exceed sales and disbursement targets Experience in loan recovery or collections is an added advantage Skills & Competencies Strong sales and negotiation skills Excellent customer service and interpersonal abilities Good understanding of credit assessment and risk management Strong follow-up and organizational skills Proficiency in Microsoft Office Suite Excellent communication skills (written and verbal) High level of integrity and ethical conduct Self-motivated, results-driven, and detail-oriented Ability to work under pressure and meet tight deadlines Benefits Competitive Compensation Package: Competitive Base Salary Monthly transportation allowance Quarterly Bonus: 50% of monthly salary when KPIs are met and PAR is below 5% Performance Commission: 2% commission on disbursements exceeding monthly targets Monthly training and professional development programs Career growth opportunities in a rapidly expanding organization Disbursement Targets & Salary Structure ₦25,000,000 monthly target – Salary: ₦750,000 ₦15,000,000 monthly target – Salary: ₦450,000