Loan Officer / Collector - Credit Direct Limited - Lagos
(2023-02 - 2025-12)
- Identified and engaged potential clients to promote diverse lending products, including personal, commercial, and mortgage loans.
- Conducted in-depth financial analysis, evaluating credit reports, debt-to-income ratios, and collateral to determine risk and creditworthiness.
- Guided applicants through the end-to-end loan process, ensuring all documentation met federal compliance and internal policy standards.
- Structured repayment schedules and interest rates based on risk profiles to ensure a profitable yet sustainable lending portfolio.
- Monitored aging reports to proactively identify delinquent accounts and initiate immediate outreach via phone and written correspondence.
- Negotiated debt settlements and modified payment plans for high-risk clients, successfully reducing the overall delinquency rate (e.g., by 15%).
- Resolved complex payment disputes with a firm but empathetic approach, maintaining positive client relationships while securing financial recovery.
- Managed the escalation process, including the preparation of files for legal action or asset repossession when necessary.
Sales Representative - TTTech Nig Ltd - Lagos
(2021-11 - 2023-01)
- Prospected and qualified new leads through cold calling, networking, and social selling to consistently expand the client base.
- Managed the full sales cycle from initial outreach and product demonstrations to final contract negotiation and closing.
- Consistently met or exceeded monthly and quarterly sales quotas, contributing to year-over-year revenue growth.
- Maintained an accurate sales pipeline within CRM software (e.g., Salesforce, HubSpot) to track progress and forecast future earnings.
- Developed and nurtured long-term relationships with key accounts to ensure high retention rates and identify upselling opportunities.
- Conducted needs-discovery sessions with potential clients to tailor product presentations and solutions to their specific pain points.
- Collaborated with cross-functional teams, including marketing and product development, to align sales strategies with customer feedback and market trends.
- Resolved customer concerns and objections with a solution-oriented approach, ensuring high levels of client satisfaction and brand loyalty.
Customer Care Representative - RN Nig Ltd - Lagos
(2018-03 - 2021-10)
- Served as the primary point of contact for customer inquiries, providing timely and accurate information regarding products, services, and company policies.
- Resolved complex customer complaints and technical issues by identifying root causes and implementing effective, long-term solutions.
- Managed high-volume communication channels, including inbound calls, emails, and live chats, while maintaining high satisfaction ratings (CSAT).
- Processed orders, returns, and exchanges efficiently, ensuring all transactions adhered to company guidelines and financial protocols.
- Built and maintained positive rapport with a diverse client base to encourage brand loyalty and repeat business.
- Documented detailed records of customer interactions, comments, and actions taken within CRM systems to ensure departmental continuity.
- Collaborated with internal teams, such as Sales and Product Development, to escalate recurring issues and suggest improvements based on customer feedback.
- Educated customers on product features and self-service tools to enhance their overall user experience and reduce future support needs.
Classroom Teacher – NYSC - Precious Gift Kings and Queens College
(2019-06 - 2019-09)
