Field Officer

Responsibilities:

Customer Acquisition & Onboarding:

• Identify and onboard new traders within your assigned cluster who qualify for inventory financing.
• Conduct field visits to assess trader businesses and collect the information needed for credit review.
• Build relationships with market leaders and community figures to generate referrals and establish trust.
• Ensure every onboarded customer is properly documented and set up on the Hadi platform.

Loan Disbursement & Portfolio Management:

• Drive disbursements of inventory financing to qualified customers within your cluster.
• Monitor your active loan portfolio and flag early signs of repayment risk before they escalate.
• Maintain accurate, up-to-date records of every customer, disbursement, and repayment in your portfolio.
• Meet weekly and monthly disbursement targets without compromising on borrower quality.

Repayment Follow-Up:

• Conduct proactive follow-ups on weekly loan repayments across your portfolio.
• Visit customers in the field when repayments are missed or at risk of being missed.
• Maintain high repayment performance within your portfolio — this is a core measure of your work.
• Escalate persistent delinquency cases to your supervisor with clear documentation.

Savings Activation:

• Actively promote savings activation to customers on the Hadi platform.
• Please meet the savings activation targets as part of your weekly and monthly performance expectations.
• Support customers in building consistent savings habits — not just one-off sign-ups.

Reporting & Office Coordination:

• Submit accurate daily and weekly reports on field activity, disbursements, collections, and pipeline.
• Resume at the office as required for check-ins, performance reviews, and team planning sessions.
• Communicate clearly with the internal team on customer issues, market feedback, and blockers.

Requirements:

• Minimum of OND or NCE in any discipline.
• Must reside within the Kubwa environs — proximity to the cluster is non-negotiable.
• Willing to work fully onsite, combining daily office resumption with field work.
• Basic smartphone literacy — app usage is a core part of this role.
• Proven ability to sell — has personally convinced people to buy, sign up, or commit, and has the results to show for it.
• Experience working in open markets or informal trade environments — knows how to engage traders, navigate market dynamics, and build trust on the ground.
• Strong communicator who can pitch confidently, handle objections, and close without being pushy.
• High personal accountability — takes ownership of their numbers, tracks their own performance, and doesn't need to be chased.
• Reliable and consistent — shows up, follows through, and delivers against targets week on week.
• Prior fintech or financial services experience is an advantage, but a strong sales track record in any field counts.

Benefits:

• Performance-based commissions and incentives tied to disbursement, repayment, and savings targets.
• Quarterly performance reviews with structured growth and promotion opportunities.
• Hands-on experience inside a fast-growing fintech lending operation.
• Direct exposure to how credit, collections, and field sales work in practice — not in a classroom.

Remuneration: NGN 130,000