Responsibilities

Sales Leadership & Performance Management

• Drive the Umba-pay team to consistently achieve or surpass monthly loan disbursement and revenue objectives.
• Develop and execute effective sales plans to boost loan uptake and improve client acquisition rates.
• Track key performance indicators regularly and implement interventions to address underperformance at both individual and team levels.

Team Oversight & Capacity Building

• Lead recruitment, onboarding, and training of new sales agents to ensure readiness and alignment with sales goals.
• Deliver continuous coaching, provide in-field support, and facilitate skills development to enhance team effectiveness.
• Set clear expectations, evaluate performance regularly, and foster a results-oriented team culture.

 Client Acquisition & Relationship Management

• Source new clients through field engagements, referrals, and direct selling efforts.
• Guide potential clients through Know Your Customer (KYC) and Know Your Business (KYB) processes to ensure proper onboarding.
• Promote the company’s merchant financing product by effectively communicating value propositions to prospects.
• Maintain strong customer relationships to support client retention, upselling, and word-of-mouth growth.

Loan Application Support & Credit Facilitation

• Support clients in completing loan applications accurately and gather all required supporting documents.
• Coordinate with credit team to ensure timely processing and disbursement of approved loans.

Portfolio Management & Loan Recovery

• Track repayment schedules and engage proactively with clients to ensure timely payments.
• Identify clients experiencing financial difficulty and provide repayment support or restructuring options.
• Collaborate with the collections team to follow up on non-performing accounts and recover overdue amounts.
• Maintain portfolio at risk (PAR) levels in line with the organization's recommended benchmarks.
• Personally oversee critical client relationships and high-value transactions to maximize conversion and retention.

Governance, Compliance & Reporting

• Ensure adherence to internal policies, standard operating procedures, and all applicable regulatory requirements.
• Keep comprehensive records of client interactions, application progress, and sales metrics.
• Submit timely and accurate reports on sales performance, client activity, and portfolio health.

Strategic Market Engagement

• Monitor market developments, competitor activities, and customer needs to guide sales strategies.
• Identify emerging market segments and initiate relevant partnerships to expand the customer base.

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 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.
• Minimum 4–6 years of experience in SME or business lending
• Proven track record of consistently achieving sales and loan disbursement targets.
• Experience in field sales or B2B client acquisition in banking or financial institution