Consumer Lending Specialists (Ajah)

We are seeking a proactive, target-driven, and customer-focused Consumer Lending Specialist to drive the acquisition, processing, and growth of consumer loan products. The successful candidate will identify prospective borrowers, assess their lending needs, promote suitable loan products, and manage the loan application process from lead generation through disbursement.

The role requires strong sales, customer relationship management, credit assessment, and documentation skills, with a strong focus on portfolio growth, quality lending, and regulatory compliance.

Key Responsibilities

• Identify and acquire prospective customers for the Bank’s consumer lending products.
• Generate leads through direct sales, referrals, field marketing, networking, partnerships, and existing customer relationships.
• Promote consumer loan products such as personal loans, salary-backed loans, asset finance, consumer credit, and other approved lending products.
• Explain loan features, eligibility requirements, interest rates, repayment terms, fees, and documentation requirements to customers.
• Engage prospective borrowers and assess their financial needs to recommend suitable lending solutions.
• Receive, review, and process loan applications and supporting documentation.
• Conduct preliminary customer screening and assess applicants against established lending criteria.
• Verify customer information, employment details, income, identity, and other relevant documentation.
• Liaise with credit, risk, operations, and other internal teams to facilitate timely loan processing and approval.
• Follow up on pending applications and ensure complete documentation for loan disbursement.
• Build and maintain strong relationships with customers to encourage repeat business and referrals.
• Monitor customer loan portfolios and follow up on repayment obligations where required.
• Support collections and early delinquency management by engaging customers with outstanding repayment obligations.
• Cross-sell relevant banking products and services to existing borrowers.
• Maintain accurate records of leads, applications, approvals, disbursements, repayments, and customer interactions.
• Ensure all lending activities comply with the Bank’s credit policies, internal procedures, and applicable regulatory requirements.
• Maintain confidentiality and protect customers' financial and personal information.
• Monitor market trends and competitor lending products to identify new business opportunities.
• Prepare regular sales, pipeline, loan application, and portfolio performance reports.
• Achieve assigned monthly and quarterly lending, disbursement, acquisition, and revenue targets.

Key Performance Indicators (KPIs)

• Monthly loan acquisition and disbursement targets.
• Value and volume of loans disbursed.
• Number of qualified loan applications generated.
• Lead generation and conversion rate.
• Portfolio growth and quality.
• Customer acquisition and retention.
• Loan repayment performance.
• Cross-selling and product penetration.
• Turnaround time for loan processing.
• Compliance with credit and documentation requirements.

Requirements

• Minimum of B.Sc./HND in Banking & Finance, Economics, Accounting, Business Administration, Marketing, or any relevant discipline.
• 1–3 years of experience in consumer lending, loan sales, credit, banking, financial services, or business development.
• Experience in direct sales or target-driven financial services is highly desirable.
• Basic understanding of consumer lending, credit assessment, loan documentation, and repayment structures.
• Strong customer acquisition and relationship management skills.
• Excellent communication, negotiation, and persuasion skills.
• Strong numerical and analytical abilities.
• Ability to work under pressure and meet demanding sales targets.
• Good attention to detail and documentation skills.
• Proficiency in Microsoft Office and relevant banking/CRM systems.
• High level of integrity, professionalism, and confidentiality.

Pay: ₦130,000.00 - ₦150,000.00 per month

Work Location: In person