Fixing banking and lending for the gig 1099-economy. Oxygen offers the best bank account, card and easy, fast affordable loans. Oxygen enables gig-employers to do right by today’s hard-working nation while also making unbeatable returns on deployed lending capital.
The Opportunity
We are seeking dynamic, results-driven Senior Sales Officers to join our growing team across our Cross River. 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.
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 collection and recovery strategies for overdue accounts.
Follow up on delinquent loans and ensure prompt recovery actions.
Maintain accurate records of customer interactions, repayments, and recovery efforts.
Provide timely and accurate reports on portfolio performance and recovery activities.
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
What We Offer
Competitive remuneration.
Performance-based incentives.
Career growth and development opportunities.
A dynamic and supportive work environment.
Opportunity to make a meaningful impact in financial inclusion across Nigeria.