Direct Sales Agent

Job Summary

• The Zojapay Direct Sales Agent (DSA) is primarily responsible for loan customer acquisition — sourcing, qualifying, and onboarding SME businesses and individuals for Zojapay's loan products.
• As an SME Loan Acquiring Agent, the DSA drives field origination of loan customers to meet disbursement targets, while also supporting broader product adoption, merchant onboarding, and transaction volume growth across Zojapay's financial products.
• The role requires proactive field sales, relationship management, customer education, and achievement of assigned loan disbursement, sales, and transaction targets.
• The ideal candidate is energetic, target-driven, customer-focused, and passionate about expanding SME access to credit (loans) and digital payments.

Key Responsibilities
Loan Customer Acquisition (Primary Duty):

• Identify, prospect, and acquire SME businesses and individuals in need of loan financing.
• Originate and process SME loan applications end-to-end, from lead generation to disbursement.
• Conduct daily field visits to SME clusters, markets, and business hubs to source loan customers.
• Generate qualified loan leads through referrals, networking, and cooperative/association partnerships.
• Build and maintain a healthy SME loan pipeline to meet monthly disbursement targets.
• Register and onboard qualifying loan customers onto the Zojapay platform.

Product Sales:
Promote and sell Zojapay products including:

• Digital Wallets
• Personal Accounts
• Business Accounts
• Money Transfers
• Bill Payments
  • Airtime & Data Purchase
• Savings Products
• Loan Products (core focus — SME & individual loans)
  • SME Working Capital / Business Loans
  • Asset financing
  • Salary Advance Services.

Customer Activation:
Ensure newly onboarded customers:

• Complete KYC requirements
• Fund their accounts
• Perform their first transaction
• Download and use the mobile application
• Become active users within the first 30 days

Merchant Acquisition:
Acquire businesses including:

• Retail Shops
• SMEs
• Schools
• Religious Organizations
• Cooperatives
• Associations
• Pharmacies
• Supermarkets
• Professionals

Relationship Management:

• Build strong relationships with customers.
• Conduct regular customer visits.
• Resolve basic customer complaints.
• Escalate unresolved issues to Customer Success.
• Maintain high customer satisfaction.

Market Intelligence:
Gather and report:

• Competitor activities
• Customer feedback
• Pricing trends
• Product improvement suggestions
• New business opportunities

Sales Reporting:
Submit daily, weekly and monthly reports including:

• New loan customers acquired
• Active customers
• Transaction volumes
• Revenue generated
• Loan applications submitted and loans disbursed
• Merchant onboarding
• Leads pipeline
• Sales activities completed.

Performance Expectations
Every Direct Sales Agent is expected to:

• Meet assigned monthly loan disbursement and sales targets.
• Maintain accurate customer records.
• Deliver excellent customer experience.
• Uphold Zojapay's brand values and compliance standards.
• Ensure all customer onboarding complies with KYC / AML requirements.
• Promote responsible use of Zojapay's financial products.
• Protect customer information and maintain confidentiality.

Qualifications

• Minimum of OND, HND or Bachelor's Degree.
• Previous sales experience is an added advantage.
• Experience in loan origination, SME lending, credit, fintech, banking, FMCG, telecommunications or insurance is preferred.
• Fresh graduates with strong sales ability may also apply.

Required Skills:
Sales Skills:

• Prospecting
• Lead Generation
• Closing Sales
• Negotiation
• Customer Acquisition
• Cross-selling
• Upselling

Communication Skills:

• Excellent verbal communication
• Presentation skills
• Relationship management
• Customer service.

Technical Skills:

• Smartphone proficiency
• Mobile App usage
• Basic Microsoft Office
• CRM usage
• Digital payment knowledge.

Behavioural Competencies:

• Self-motivated
• Goal-oriented
• Resilient
• Honest and trustworthy
• High integrity
• Excellent interpersonal skills
• Ability to work independently
• Team player
• Strong work ethic
• Adaptable to change

Working Conditions:

• Extensive field sales activities.
• Daily customer visits.
• Weekend activation events where necessary.
• Frequent travel within assigned territory.
• Performance-based environment.