Field Sales Agent-Credit(FMCG),(Ruiru, Eldoret, Kisumu and Kisii)

Job Title: Field Sales Agent-Credit (FMCG)

Reports To: Sales Supervisor 

1.Job Purpose

To drive credit sales growth by identifying potential customers, promoting credit products, and ensuring timely repayment. The Field Sales Agent is responsible for customer acquisition, credit assessment support, and maintaining strong client relationships to achieve sales and repayment targets.

2. Key Responsibilities

A. Sales and Customer Acquisition

• Identify and approach potential customers for credit products.
• Promote and explain credit offerings to clients.
• Achieve monthly and quarterly sales targets.
• Maintain accurate records of customer interactions and sales activities.

B. Credit Assessment and Onboarding

• Collect and verify customer documentation for credit applications.
• Support credit evaluation processes by providing accurate customer information.
• Ensure compliance with company credit policies during onboarding.

C. Customer Relationship Management

• Build and maintain strong relationships with clients.
• Provide after-sales support and resolve customer queries.
• Educate customers on repayment schedules and credit terms.
• Monitor customer satisfaction and retention levels.

D. Repayment Monitoring and Collections

• Track repayment schedules and follow up with customers.
• Ensure timely collection of outstanding amounts.
• Report delinquent accounts and support recovery efforts.
• Maintain proper documentation of repayment activities.

E. Market Intelligence and Reporting

• Gather market insights and competitor information.
• Provide feedback to management on customer needs and market trends.
• Prepare daily, weekly, and monthly sales reports.
• Participate in sales and credit review meetings.

F. Compliance and Risk Management

• Adhere to company policies, credit guidelines, and regulatory requirements.
• Identify potential risks in customer credit behavior.
• Recommend mitigation measures to minimize default risks.

G. Teamwork and Collaboration

• Work closely with credit officers, sales teams, and branch staff.
• Share best practices and support team performance.
• Participate in training and development programs.

Key Performance Indicators (KPIs)

• Credit sales volume and revenue targets
• Collection efficiency (Days Sales Outstanding - DSO)
• Reduction in overdue accounts
• Number of new credit customers acquired
• Customer retention rate
• Accuracy and timeliness of reporting

3. Qualifications

• Diploma or Bachelor’s Degree in Business, Sales, Marketing, or related field
  
• Minimum of 2 years’ experience in field sales, preferably in credit or financial services
  
• Knowledge of credit processes and customer onboarding

4. Skills and Competencies

• Strong sales and negotiation skills
  
• Excellent communication and interpersonal skills
  
• Ability to work independently and meet targets
  
• Customer service orientation
• Basic financial literacy and credit knowledge
  
• High integrity and ethical standards
• Strong organizational and time management skills