Credit Sales Officer

Zowasel

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Startup in initial stages

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Early Stage

Startup in initial stages

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Credit Sales Officer

• ₦4000k – ₦8000k • No equity
• | Lagos
• |5 years of exp
• |Full Time

Posted: 1 month ago

Job Location

Lagos

Remote Work Policy In office - WFH flexibility

Visa Sponsorship Not Available

RelocationNot Allowed

Skills

• Sales

• Sales Strategy and Management

• Business Finance

• Sales and Marketing

• Bank and Credit Relationships

• Corporate Finance

• Export Import Trade

• Structured Finance

• Credit Analysis

• Debt Restructuring

• Credit & Risk Management

• Loan Origination

• Loans

• Agribusiness

• Commercial Loans

• Hiring contact

• Jerry Oche

• Founder & CEO • 13 years

• Lagos

About the job

Credit Sales Officer

Trade origination and supply chain finance — Nigeria

Function: Commercial — Trade Finance Infrastructure (TFI)

Reports to: Marketplace Matching Manager, with functional oversight from the Head of Credit Risk and Deal

Zowasel is a pan-African agribusiness, trade finance and compliance infrastructure company operating an integrated marketplace platform across multiple value chains and markets. The company is an Afreximbank Trade Corridor Partner, providing intra-African and global market access, trade finance and logistics support to cooperatives, merchants, businesses and enterprise organisations, and enabling them to originate and close deals on the Africa Trade Exchange.

Role Purpose

The Sales Officer drives revenue by originating verified trade on the Zowasel marketplace and attaching Zowasel’s Trade Finance Infrastructure to it — trade finance, factoring, invoice discounting, working capital and supply chain solutions arranged with licensed financial institutions and partners.

The order matters. Zowasel originates verified trade and attaches finance to it. We do not sell finance to counterparties who have no trade. A confirmed buyer, a real purchase order and a defined repayment route come first; the instrument follows. "Not yet" is a legitimate outcome for a counterparty who is not ready, and it costs the postholder nothing.

The postholder works the Nigerian market end-to-end: identifying credible counterparties, qualifying demand and supply, progressing transactions through onboarding and documentation, assembling complete financing requests for independent credit assessment, and following through to delivery, settlement, and repeat business.

What You Sell

Proposition

What it means for the customer

Market access

Verified counterparties, structured transactions and buyer reach nationally, regionally and internationally, including through the Africa Trade Exchange

Quality and compliance

Measurement, reporting and verification supporting grade, specification, traceability and sustainability requirements

Settlement

Payment and settlement infrastructure that closes the loop between delivery and payment

Trade Finance Infrastructure

Trade finance, factoring, invoice discounting, purchase order and working capital solutions, arranged with licensed financial institutions where the transaction supports it

Key Responsibilities

• 1. Origination and account acquisition

• Identify, qualify and acquire new corporate, agribusiness, exporter, merchant and cooperative accounts across the assigned value chains.

• Originate genuine trade opportunities evidenced by requests for quotation, purchase orders, supply contracts or confirmed offtake — not expressions of interest.

• Build and maintain a qualified pipeline with counterparty, commodity, volume, value, stage, probability, next action and owner against every opportunity.

• Develop repeat and season-long trading relationships rather than single transactions.

• 2. Transaction structuring and financing

• Determine at the point of origination whether a trade can close on the counterparty’s own funds or requires financing to proceed.

• Match the appropriate TFI instrument to the transaction — trade finance, factoring, invoice discounting, purchase order finance, working capital or supply chain finance.

• Assemble complete, decision-ready financing requests with financial statements, bank statements, purchase orders, invoices, corporate documentation and know-your-business records, and submit them for independent credit assessment.

• Ensure every financed transaction has an identified repayment source, a verified buyer and a defined payment route before submission.

• Track submitted files through assessment, approval, disbursement and settlement, keeping the counterparty informed.

• 3. Onboarding, listing and documentation

• Support counterparty onboarding, know-your-customer and know-your-business verification, documentation collation and platform activation.

• Ensure supplier listings and buyer requirements are complete, accurate, and up to date so that matching can proceed without rework.

• Maintain accurate records in the Company’s CRM and platform systems. Pipeline held in personal spreadsheets or notebooks is not acceptable.

• 4. Execution and relationship management

• Progress transactions through delivery, acceptance, settlement and repayment, working with Supply Chain, Operations and Quality Compliance to unblock delays.

• Build lasting relationships with exporters, processors, manufacturers, and corporate buyers, as well as the cooperatives and merchants that supply them.

• Collaborate with the credit, risk and operations teams on deal execution, and feed back the friction points that prevent conversion.

• Report weekly on pipeline movement, transactions originated and closed, and blockers.

• The lines that cannot be crossed

• The postholder never handles customer money, holds collateral, or charges a counterparty any fee.

• The postholder never approves credit, promises financing or credit approval, varies approved pricing, or signs contracts on the Company’s behalf. Origination and credit approval are always different people.

• The postholder never represents that financing is guaranteed. All facilities are subject to eligibility, due diligence, credit assessment and approval.

• Verification of a counterparty is performed independently of the person who acquired the relationship.

• Key Performance Indicators

• Measure

• Basis

• Revenue generated

• Monthly and annual revenue targets, measured on cleared receipts attributable to the postholder

• New active counterparties

• Counterparties onboarded, verified and transacting — registrations alone do not count

• Closed trade value

• Value of transactions completed, delivered and settled

• Transactions closed

• Number of trades closed, financed and unfinanced combined

• Financing conversion quality

• Proportion of financing requests complete and decision-ready on first submission

• Portfolio performance

• Repayment performance on financed transactions originated by the postholder

• Retention and satisfaction

• Repeat transaction rate and counterparty satisfaction

• Quality gate. A transaction counts only where the counterparty is verified, delivery is accepted, and payment is routed through the Company. Volume that does not settle and financing files that must be resubmitted are not treated as performance.

Requirements

• Essential

• Three (3) to five (5) years of credit sales experience, with a proven track record in business-to-business commercial or financial sales and evidence of value closed rather than pipeline built.

• Working knowledge of trade finance and supply chain finance instruments — trade credit, factoring, invoice discounting, purchase order finance and working capital — and the documentation each requires.

• Strong understanding of agribusiness value chains: production cycles, aggregation, grading and specification, logistics and offtake.

• Ability to qualify an opportunity on credit grounds before it consumes credit team time.

• Excellent negotiation, relationship management and written communication.

• BSc in sales, marketing, economics, accounting, commerce, finance, agribusiness, business administration or a relevant qualification.

• Competent with CRM and reporting tools; comfortable working from data rather than recollection.

• Preferred

• Experience in commodity trading, agro-input distribution, agribusiness lending, or a bank trade finance desk.

• Established relationships with processors, millers, manufacturers or exporters in the Nigerian market.

• Familiarity with export documentation and regulatory requirements.

• Working command of a major Nigerian trade language.

• Disposition

• Commercial drive balanced by discipline — the judgment to decline a transaction that will not settle or a file that will not pass credit.

• Integrity in handling counterparty financial information and in resisting off-platform settlement.

• Resilience and personal organisation across concurrent transactions and counterparty

Compensation

This is a full-time employed position. Compensation follows Zowasel’s established reward architecture for commercial roles, comprising a monthly salary and succ