Located in the most populous country in the most diverse continent, we have come to realise that conventional financial institutions are handicapped in creating sustainable value for the present generation and the next.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.