Experienced Sales Executive

Job Summary
FINEX Microfinance Bank is seeking highly motivated, result-oriented, and experienced Sales Executives to drive customer acquisition, deposit mobilization, loan generation, and portfolio growth. The ideal candidate will possess strong sales, relationship management, and business development skills with a proven track record in the banking, microfinance, fintech, insurance, or financial services sector.
The role requires aggressive market penetration, customer relationship management, and achievement of assigned sales and financial targets while ensuring compliance with the Bank's policies and regulatory requirements.
Key Responsibilities
Business Development & Customer Acquisition
Identify and acquire new individual and corporate customers.
Market and sell the Bank's products and services including savings accounts, current accounts, fixed deposits, loans, and digital banking solutions.
Develop and implement sales strategies to increase market share and customer base.
Generate quality leads through field marketing, referrals, networking, and direct sales activities.
Build and maintain a strong pipeline of prospective customers.
Deposit Mobilization
Drive deposit mobilization efforts to achieve assigned liability targets.
Source and manage high-net-worth individuals (HNIs), SMEs, cooperatives, associations, and corporate clients.
Develop strategies for attracting and retaining deposit customers.
Ensure sustained growth in customer deposits and account balances.
Loan Generation & Portfolio Management
Source qualified loan prospects in line with the Bank's lending policies.
Conduct preliminary assessments of loan applicants.
Support loan documentation and disbursement processes.
Monitor loan performance and support recovery efforts where necessary.
Maintain a healthy loan portfolio with minimal delinquency.
Relationship Management
Build and maintain strong relationships with existing and prospective customers.
Conduct regular customer visits to identify opportunities for business growth.
Address customer inquiries, complaints, and service issues promptly.
Ensure high levels of customer satisfaction and retention.
Market Intelligence
Monitor competitor activities and market trends.
Gather customer feedback and provide market insights to management.
Identify emerging business opportunities within assigned territories.
Reporting & Documentation
Prepare and submit daily, weekly, and monthly sales activity reports.
Maintain accurate records of customer engagements, sales activities, and portfolio performance.
Ensure proper documentation of all accounts and transactions.
Compliance & Risk Management
Adhere strictly to KYC (Know Your Customer), AML (Anti-Money Laundering), and regulatory requirements.
Ensure all customer onboarding processes comply with internal policies and CBN regulations.
Protect customer information and maintain confidentiality at all times.
Key Performance Indicators (KPIs)
Monthly deposit mobilization target achievement
Number of new accounts opened
Value of deposits mobilized
Loan disbursement target achievement
Loan portfolio quality
Customer retention rate
Cross-selling ratio
Revenue generation
Recovery performance
Customer satisfaction score
Qualifications & Experience
Educational Requirements
Bachelor's Degree or HND in Banking & Finance, Business Administration, Marketing, Economics, Accounting, or related disciplines.
Experience Requirements
Minimum of 2–5 years proven sales experience in:
Microfinance Banking
Commercial Banking
Fintech
Insurance
Investment Services
Other Financial Institutions
Demonstrated track record of meeting or exceeding sales and deposit mobilization targets.
Required Skills & Competencies
Technical Skills
Deposit mobilization
Loan sourcing and recovery
Business development
Customer relationship management
Sales pipeline management
Credit analysis (basic)
Microsoft Office Suite proficiency
Behavioral Competencies
Excellent communication and negotiation skills
Strong interpersonal and networking abilities
Target-driven and self-motivated
High level of integrity and professionalism
Problem-solving and decision-making skills
Resilience and ability to work under pressure
Strong customer service orientation
Additional Requirements
Strong knowledge of the local market and business environment.
Ability to work extensively in the field.
Existing network of prospective clients will be an added advantage.
Must be willing to meet and exceed assigned sales targets.
Compensation & Benefits
Competitive salary
Attractive commission structure
Performance bonuses and incentives
HMO and other staff benefits
Career growth and development opportunities
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