Umbapay Direct Sales Representatives at Umba

Key Responsibilities
Sales & Target Achievement

• Achieve or exceed monthly loan disbursement and revenue objectives.
• Execute effective sales activities in the field to drive loan uptake and client acquisition.
• Track personal performance against set KPIs and work with the team lead to address any performance gaps.

Client Acquisition & Relationship Management

• Prospect and onboard new clients through direct sales, referrals, and market activations.
• Guide clients through Know Your Customer (KYC) and Know Your Business (KYB) requirements.
• Clearly communicate Umbapay’s financing solutions and value proposition to potential clients.
• Build long-term client relationships to support retention, repeat business, and referrals.

Loan Application Support & Credit Facilitation

• Assist clients with loan applications and ensure accurate documentation is submitted.
• Provide guidance to clients on loan terms, repayment obligations, and product use.

Portfolio Management & Loan Recovery

• Monitor repayment schedules for assigned clients and follow up to ensure timely payments.
• Engage with clients experiencing repayment challenges and escalate cases as needed.
• Collaborate with the collections team on overdue accounts to reduce portfolio at risk (PAR).

Compliance & Reporting

• Ensure all client interactions and loan applications comply with internal policies and regulatory standards.
• Maintain accurate client records, loan files, and sales activity reports.
• Submit timely and accurate reports on sales performance and client engagement.

Market Engagement

• Stay updated on market trends, customer needs, and competitor activity.
• Identify new opportunities and provide feedback to the team lead to improve sales strategies.

Qualifications & Experience

• Diploma in Business, Finance, Marketing, or related field.
• At least 1–3 years in sales, banking, microfinance, or financial services.
• Experience in field sales or B2B client acquisition is highly desirable.
• Demonstrated ability to meet and exceed sales/loan targets.
• knowledge of credit products, risk assessment, and loan processes.
• Excellent communication, negotiation, and customer service skills.
• Ability to work independently in the field and deliver results under minimal supervision