Cluster Loan Officers (Trader Finance)
Description
About the Role We are hiring Cluster Loan Officers to drive our trader loan product targeted at daily-income earners (market women, POS agents, artisans, transport operators, etc.). This is a high-impact field role responsible for: Sourcing qualified traders Disbursing small-ticket loans Ensuring daily/weekly repayments Managing a defined market cluster Key Responsibilities Loan Origination Identify and onboard traders within assigned clusters (markets, streets, hubs) Educate customers on loan products and repayment structure Build strong relationships with trader associations and market leaders Meet weekly acquisition targets Collections & Recovery (Most Important) Drive daily/weekly loan repayments Maintain repayment discipline within your cluster Follow up aggressively on overdue accounts Cluster Ownership Take full ownership of your assigned market/area Build a strong borrower network within your cluster Performance Targets Number of active borrowers onboarded monthly Portfolio size within your cluster Repayment rate Requirements Minimum of OND/HND/BSc in any discipline 1–3 years experience in: Microfinance / field credit FMCG sales Agency banking / POS business Strong understanding of informal markets and trader behavior Ability to work on the field daily Must be street-smart, assertive, and results-driven Comfortable handling cash collections and repayment follow-ups Compensation Base Salary: ₦80,000
- ₦120,000 High Commission on: Loans disbursed Repayments collected Performance Bonuses for low default rates
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