Key Responsibilities

Sales & Target Achievement

° Achieve or exceed monthly loan disbursement and revenue objectives.

° Execute effective sales activities in the field to drive loan uptake and client acquisition.

° Track personal performance against set KPIs and work with the team lead to address any performance gaps.

Client Acquisition & Relationship Management

° Prospect and onboard new clients through direct sales, referrals, and market activations.

Guide clients through Know Your Customer (KYC) and Know Your Business (KYB) requirements.

° Clearly communicate Umbapay’s financing solutions and value proposition to potential clients.

° Build long-term client relationships to support retention, repeat business, and referrals.

Loan Application Support & Credit Facilitation

° Assist clients with loan applications and ensure accurate documentation is submitted.

° Provide guidance to clients on loan terms, repayment obligations, and product use.

Portfolio Management & Loan Recovery

° Monitor repayment schedules for assigned clients and follow up to ensure timely payments.

° Engage with clients experiencing repayment challenges and escalate cases as needed.

° Collaborate with the collections team on overdue accounts to reduce portfolio at risk (PAR).

Compliance & Reporting

° Ensure all client interactions and loan applications comply with internal policies and regulatory standards.

° Maintain accurate client records, loan files, and sales activity reports.

° Submit timely and accurate reports on sales performance and client engagement.

Market Engagement

° Stay updated on market trends, customer needs, and competitor activity.

° Identify new opportunities and provide feedback to the team lead to improve sales strategies.

Qualifications & Experience

° Diploma in Business, Finance, Marketing, or related field.

° At least 1–3 years in sales, banking, microfinance, or financial services.

Experience in field sales or B2B client acquisition is highly desirable.

° Demonstrated ability to meet and exceed sales/loan targets.

° knowledge of credit products, risk assessment, and loan processes.

° Excellent communication, negotiation, and customer service skills.

° Ability to work independently in the field and deliver results under minimal supervision