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.

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:

• 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.