IPPIS Relationship Officer

Responsibilities:

IPPIS Salary Account Acquisition & Enrollment:

• Prospect and onboard large numbers of federal/state civil servants, teachers, and other IPPIS-eligible workers into Awacash salary accounts.
  
• Assist with IPPIS registration, data capture, BVN linkage, and verification processes.
  
• Drive the smooth migration of salary payments to Awacash MFB.

High-Volume IPPIS Loan Marketing & Disbursement:

• Aggressively market and process salary-backed IPPIS loans.
  
• Collect required documentation (ID card, recent pay slip, employment letter, etc.).
  
• Follow up on loan applications from submission through approval to disbursement.

Customer Relationship & Retention:

• Build strong relationships with IPPIS customers for repeat business and referrals.
  
• Provide excellent service and cross-sell other Awacash products where appropriate.

Field Mobilization & Compliance:

• Conduct daily field visits to government offices, schools, and MDAs across Lagos.
  
• Ensure accurate and timely documentation and full compliance with KYC and bank policies.

Target Achievement & Portfolio Management:

• Consistently meet or exceed aggressive daily, weekly, and monthly targets.
  
• Maintain high portfolio quality with Portfolio at Risk (PAR) below 5%.
  
• Submit daily activity reports and performance trackers.

Requirements:

• Minimum OND/HND or Bachelor’s degree (any discipline).
  
• Minimum 3 years of experience in banking, microfinance, field sales, or loan marketing (prior IPPIS or salary loan experience is a strong advantage).
  
• Must reside in Ketu, Ikosi, or Ikorodu axis – this is very important for daily field coverage and punctuality.
  
• Proven ability to meet aggressive sales and disbursement targets.
  
• Excellent communication, negotiation, and interpersonal skills.
  
• Ability to work under pressure in a high-pressure environment.
  
• Smart appearance, high energy, and strong customer acquisition drive.
  
• Proficiency in MS Office and willingness to use digital tools for account opening and loan processing.
  
• Valid means of identification.
  
• Extremely target-driven and self-motivated
  
• Strong sales and persuasion skills
  
• Field resilience and high mobility-Attention to detail and compliance consciousness
• Ability to manage large loan volumes while keeping PAR below 5%

What Success Looks Like:

• Consistently disbursing IPPIS loans every month.
• Maintaining Portfolio at Risk below 5%.
• Hitting or surpassing all weekly and monthly targets.
• Building a large, high-quality portfolio of IPPIS salary accounts with strong loan uptake.
• Becoming a top performer in the team within the first 3 months.

Key Performance Indicators (KPIs):

Loan Disbursement Target (Primary KPI):

• Disburse IPPIS salary-backed loans per month.

Supporting KPIs:

• Open and verify a high volume of new IPPIS salary accounts monthly (volume required to support the loan target).
  
• Process and convert a large number of loan applications weekly.
  
• Achieve a high conversion rate from account opening to loan uptake.
  
• Maintain Portfolio at Risk (PAR) below 5% at all times.
  
• Excellent documentation accuracy and low rejection rate on submissions.

Performance Bonus / Incentive Structure:

• Bonuses and commissions are heavily tied to:
  
• Total value of loans disbursed
  
• Number of verified salary accounts opened
  
• Portfolio quality (PAR < 5%)
  
• Overall target achievement