Job Description

Job Summary

The Credit Sales Officer is responsible for identifying potential clients, promoting credit products, and managing customer relationships to drive loan disbursement and ensure timely repayments. This role involves sales, client acquisition, relationship management, risk assessment, and portfolio management while maintaining compliance with company policies and regulatory requirements.

Responsibilities

Sales & Business Development:
• Identify and acquire new clients through direct sales, referrals, and field visits.
• Relationship Management for Proper KYC and KYB
• Promote the company’s credit products and services, explaining features and benefits to potential customers.
• Build and maintain strong relationships with existing clients to encourage repeat business and referrals.

2. Credit Assessment & Loan Processing:

• Assist clients in completing loan applications and gather necessary documentation.
• Conduct preliminary credit assessments to evaluate a client’s ability to repay the loan.
• Submit loan applications for approval and follow up on the disbursement process.

3. Client Management & Collections:

• Monitor clients’ repayment behavior and ensure timely loan repayments.
• Proactively engage customers who may face repayment challenges and provide solutions.
• Work with the collections team to manage delinquent accounts and recover outstanding loans.

4. Compliance & Reporting:

• Ensure all transactions adhere to company policies, procedures, and regulatory guidelines.
• Maintain accurate records of client interactions, loan applications, and sales performance.
• Provide daily, weekly, and monthly reports on sales performance, client portfolio, and collections.

Key Qualifications & Skills:

• Education: Diploma or Bachelor’s degree in Finance, Business, Marketing, or a related field.
• Experience: At least 1–3 years of experience in credit sales, banking, microfinance, or a related industry.
• Strong sales and negotiation skills, with a proven ability to meet targets.
• Knowledge of credit risk assessment and loan processing.
• Excellent customer service and relationship management skills.
• Ability to work independently and as part of a team.
• Proficiency in MS Office (Excel, Word, PowerPoint) and CRM systems.

Key Performance Indicators (KPIs):

• Number of new clients acquired.
• Volume of loans disbursed.
• Loan repayment rate and portfolio quality.
• Customer retention and satisfaction levels.