Direct Sales Agent

Job Overview:
The Direct Sales Agent is responsible for promoting the Cooperative Bank’s financial products and services to individuals, groups, businesses, and cooperative societies. The role involves sourcing new customers, mobilizing deposits, opening accounts, generating loans, and building long-term customer relationships to support the bank’s growth.

Duties and Responsibilities:
Mobilize savings through the bank’s mobile application and other digital platforms. Drive customer enrollment and active usage of the bank’s savings app. Open new savings, current, and fixed deposit accounts for individuals, groups, and businesses. Meet assigned monthly targets for deposit mobilization and customer acquisition. Promote target savings plans and encourage customers toward a consistent savings culture. Follow up on inactive or dormant customers to improve account activity and retention. Source and onboard qualified customers for loan products. Educate prospective customers on loan requirements, repayment plans, and eligibility. Conduct preliminary customer profiling and verification before loan processing. Follow up on loan applications and ensure proper documentation. Monitor customer repayment performance and carry out loan recovery follow-ups where necessary. Maintain healthy customer relationships while ensuring repayment compliance. Escalate overdue or delinquent loan cases appropriately. Market fixed deposit investment opportunities to individuals and corporate clients. Educate customers on fixed deposit benefits, returns, and investment packages. Build relationships with high-net-worth individuals and cooperative groups for investment opportunities. Promote all banking products and services, including digital banking, transfers, POS services, loans, savings plans, and investment products. Advertise and market subsidiary products, including Foodstash and other affiliated services of the organization. Cross-sell relevant products based on customer needs. Participate in roadshows, campaigns, market activations, and promotional events. Build and maintain strong customer relationships for repeat business and referrals. Attend to customer complaints and inquiries professionally and promptly. Ensure excellent customer service delivery at all times. Maintain proper customer records and confidentiality. Submit daily, weekly, and monthly performance reports. Ensure compliance with the bank’s operational policies and regulatory standards. Maintain accurate records of sales activities, collections, and customer engagements.

Required Qualifications:
Minimum of OND/HND/B.Sc. in Marketing, Banking & Finance, Business Administration, Economics, or related discipline. Previous experience in banking, cooperative, microfinance, fintech, or direct sales is an added advantage. Strong marketing, negotiation, and persuasive communication skills. Ability to work under pressure and achieve set targets. Good understanding of digital banking and mobile applications. Strong customer relationship and recovery management skills. Proficiency in Microsoft Office and digital communication tools. Must be result-oriented, proactive, and willing to engage in extensive fieldwork.

Educational Background:
OND/HND/B.Sc. in Marketing, Banking & Finance, Business Administration, Economics, or related discipline.

Experience:
Previous experience in banking, cooperative, microfinance, fintech, or direct sales is an added advantage.

Languages:
English

Additional Notes:
Full Time - 9 to 5