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Credit Sales Officer – BD at Palmpay Limited

Business Development Executive at PalmPay Limited
  • Full Time
  • Lagos

Palmpay Limited


Credit Sales Officer – BD at Palmpay Limited

Job Title: Credit Sales Officer – BD at Palmpay Limited

Location:?Ikeja, Lagos
Employment Type: Contract

Position Overview

  • 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

  • Bachelor’s Degree in Finance, Business Administration, Economics, or a related field.
  • Proven experience (3 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.


  • Basic: N60,000.00
  • KPI: N0 – N40,000.00
  • Transportation Allowance: N20,000.

Application Closing Date
3rd January, 2024.


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