Are you a recent graduate in Marketing, Banking or Finance with a passion for Sales and Business Development? Do you have an obsession for negotiating and closing deals?Are you a recent graduate in Marketing, Banking or Finance with a passion for Sales and Business Development? Do you have an obsession for negotiating and closing deals?
Job Summary
- Type: full-time
- Location: Harare
- Category: Banking & Finance
- Closing Date: 2026-09-18
Key Responsibilities
- Business Development & Employer Acquisition
- Identify & Prospect: Pitch and present payroll lending solutions to target employers, corporate organizations, government institutions, and private enterprises.
- Negotiate & Close: Lead negotiations with prospective employer decision-makers (HR Directors, Finance Heads, Union Leaders) to secure formal Memorandums of Understanding (MOUs) or payroll deduction agreements.
- Pipeline Management: Maintain an active sales pipeline, ensuring consistent conversion from initial contact to agreement sign-off.
- Sales & Loan Origination
- Drive Loan Volume: Market loan products directly to employees within partner organizations to meet and exceed individual and monthly company sales targets.
- Promotional Campaigns: Plan and execute on-site client engagement strategies, activations, and presentations to raise product awareness among staff.
- Product Alignment: Match appropriate loan terms and products to customer needs while ensuring alignment with the microfinance’s lending limits and guidelines.
- Relationship Management & Account Servicing
- Key Account Management: Serve as the primary point of contact for HR and payroll departments of partner organizations to ensure smooth operations.
- Process Coordination: Coordinate with employer payroll teams to ensure seamless monthly loan deductions and remittance processing.
- Query Resolution: Address and resolve customer and payroll-related issues promptly to maintain high client satisfaction and partnership retention.
- Credit Assessment & Compliance
- Document Verification: Collect, review, and verify loan applications and supporting documentation (pay slips, IDs, proof of residence, employment letters) for accuracy.
- Preliminary Assessment: Conduct basic affordability assessments and check compliance against payroll loan limits (e.g., maximum debt-to-income ratios).
- Risk Management: Collaborate with the internal credit/underwriting team to ensure low non-performing loan (NPL) rates by vetting applicant credibility and stability.
- Reporting & Operational Duties
- Sales & Activity Reporting: Prepare daily, weekly, and monthly reports tracking sales volumes, pipeline status, conversion rates, and client feedback.
- Market Intelligence: Monitor industry trends, competitor product offerings, and market demands to recommend strategic improvements.
Requirements
- 2 to 3 years experience or recent graduates in Marketing, Banking, Finance or related fields
- Self-driven, aggressive, and target-oriented individuals
- Excellent negotiation and relationship-building skills
- Comfortable working in a fast-paced and growing environment
- Experienced candidates in Payroll Lending / Sales who would like to join are also encouraged to apply.
How to Apply
Apply by email: [email protected]
Frequently Asked Questions
What qualifications or certifications are typically required for a Payroll Lending Lead role in Zimbabwe?
Employers usually look for a degree in finance, accounting, banking, or business studies, often with a professional qualification such as ACCA, CIMA, or an IOBZ diploma. Practical experience in credit analysis, payroll processing, or retail lending is highly valued and sometimes substitutes for a postgraduate qualification.
What are the common day-to-day responsibilities of a Payroll Lending Lead?
You would typically manage the end-to-end payroll lending portfolio, including vetting employer relationships, approving or reviewing loan applications, and monitoring repayment performance. The role also involves leading a small team, ensuring compliance with lending policies, and resolving escalated client or employer queries.
What is the local work culture and what expectations should I be aware of in Zimbabwe?
Zimbabwean banking culture tends to be formal, hierarchical, and deadline-driven, with a strong emphasis on accuracy and regulatory compliance. You will be expected to work closely with HR departments of client companies, so strong relationship management and clear communication are essential.
What career progression can I realistically expect from this role?
From Payroll Lending Lead, you can progress into roles such as Consumer Lending Manager, Head of Retail Credit, or Branch Banking Manager. Growth often depends on consistently meeting portfolio targets, maintaining low default rates, and demonstrating leadership ability.
What typical benefits are offered for this role in Zimbabwe?
Most employers offer a basic salary plus benefits such as medical aid, pension or NSSA contributions, annual leave, and sometimes a performance-based bonus. Some institutions may also provide a housing or transport allowance, but this varies by employer.
How do I apply and what do Zimbabwean employers look for in a strong candidate?
Applications are usually submitted through company career portals, recruitment agencies, or professional networks like LinkedIn, with a tailored CV and cover letter. Employers look for a clean credit record, proven experience in lending or payroll administration, and strong numerical and people-management skills.