Duxbank is a future-focused Nigerian financial institution designed to reshape how young people experience money. Positioned at the intersection of fintech and lifestyle, Duxbank is building a digital-first banking platform that prioritizes financial inclusion, innovation, and simplicity.
We are recruiting to fill the position below:
Job Title: Personal Banking Officer (PBO)
Location: Abuja
Employment Type: Full-time
Job Summary
- A Personal Banking Officer is responsible for acquiring, managing, and growing customer relationships while promoting the bank’s products and services to meet deposit, loan, and profitability targets.
Essential Functions / Key Responsibilities
Customer Acquisition & Relationship Management:
- Source and onboard new individual and business customers.
- Build, nurture, and maintain strong relationships with existing account holders.
- Conduct regular customer site visits and ongoing follow-ups.
Deposit Mobilization:
- Drive growth across savings, current, and fixed deposit accounts.
- Consistently meet or exceed assigned deposit mobilization targets.
- Formulate and execute strategies to attract low-cost deposits.
Loan Generation & Portfolio Monitoring:
- Identify potential borrowers and market the bank's credit/loan products.
- Perform preliminary credit assessments and financial evaluations.
- Monitor loan repayments to preserve portfolio quality.
- Actively follow up on overdue loans and support debt recovery efforts.
Cross-Selling & Business Development:
- Cross-sell digital banking products, fixed deposits, and other financial services to increase customer product penetration.
- Identify new market opportunities, generate quality leads, and participate in community and market outreach events.
Customer Service & Operational Compliance:
- Address customer inquiries and resolve complaints promptly to ensure high satisfaction.
- Strictly adhere to KYC (Know Your Customer), AML (Anti-Money Laundering), and regulatory requirements.
- Maintain complete documentation for account opening and loan applications while safeguarding customer data confidentiality.
Reporting:
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Prepare daily, weekly, and monthly performance reports tracking sales activities, deposit growth, and loan portfolio performance.
Qualifications & Requirements
Educational Qualification:
- Degree: Bachelor’s Degree or HND in Banking & Finance, Business Administration, Economics, Marketing, Accounting, or a related discipline.
- Certifications: Professional certifications in banking or finance are an added advantage.
Experience:
- 1–3 years of relevant experience in banking, microfinance, sales, or relationship management.
- Direct experience in deposit mobilization and credit marketing is highly desirable.
Skills & Competencies:
- Strong sales, marketing, and negotiation abilities.
- Solid relationship management and customer service orientation.
- Basic knowledge of credit analysis and financial assessments.
- Proven ability to work under pressure and achieve set targets.
- Strong understanding of microfinance/banking products and services.
- Proficiency in Microsoft Office applications.
Application Closing Date
Not Specified.
https://www.hotnigerianjobs.com/hotjobs/927398/personal-banking-officer-pbo-at-duxbank-microfinan.html