P

PalmPay

Fintech platform enabling transfers, payments, credit

Sales Agent

Full-TimePosted on 10/19/2026
NGN70k/mo+ N20,000 transportation allowance + Sales commission + Performance incentives
Entry
Lagos, Nigeria
In Person
Sales & Account ManagementField Sales

About the job

Requirements
  • A minimum of Senior Secondary Certificate Examination (SSCE), or equivalent qualification, is required.
  • Prior experience in sales, field marketing, retail banking, or telecom product sales is an added advantage.
  • Strong communication, persuasion, and negotiation skills are required.
  • Ability to work in a fast-paced retail environment with daily customer interaction is required.
  • A basic understanding of consumer lending and mobile phone markets is preferred but not required.
  • Computer literacy and the ability to use smartphones or digital onboarding tools effectively are required.
  • A result-driven mindset focused on meeting and exceeding sales targets is required.
  • A customer service mindset, confidence, resilience, ability to build rapport quickly, accountability, professionalism, goal orientation, and strong follow-through are required.
Responsibilities
  • Actively approach and engage walk-in customers at 3C HUB retail locations to promote Flexi MFB’s mobile installment financing product.
  • Explain product features, payment plans, eligibility criteria, and financing terms clearly and professionally.
  • Assist customers with onboarding, application submission, and required documentation.
  • Provide accurate information, answer customer inquiries, and address concerns to ensure a seamless experience.
  • Work closely with store staff and Flexi MFB operations teams to ensure efficient loan processing and approvals.
  • Track daily leads, applications, conversions, and other assigned sales metrics.
  • Follow up with pending customers to ensure completion of applications and final approvals.
  • Ensure compliance with Flexi MFB sales guidelines, customer verification processes, and KYC requirements.
  • Represent the Flexi MFB brand professionally while maintaining strong customer satisfaction and service standards.
Desired Qualifications
  • Prior experience in sales, field marketing, retail banking, or telecom product sales.
  • A basic understanding of consumer lending and mobile phone markets.

About the company

P

PalmPay

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Website

PalmPay is a fintech platform in Africa that provides digital financial services through a mobile app and a wide agent network. It lets users perform money transfers, pay bills, and access credit and insurance, aiming to make financial services easy to use and accessible even in remote areas. The service works by combining a mobile app with a network of over one million agents and merchants, plus partnerships with smartphone brands, to reach users who lack traditional banking. It uses technologies like artificial intelligence and big data analytics to tailor services and improve security for users. PalmPay differentiates itself with its expansive agent footprint, strong focus on financial inclusion, and strategic partnerships that scale across markets. Its goal is to become a financial superapp that covers a broad range of needs for its growing user base across Africa and into new markets.

Company Size

1,001-5,000

Company Stage

Series A

Total Funding

$240M

Headquarters

Lagos, Nigeria

Founded

2018

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Simplify's Take

What believers are saying

  • Bloomberg reported August 4, 2026 talks for a $200 million round.
  • PalmPay launched NightGuard on September 28, 2026, deepening fraud-prevention features.
  • PalmPay expanded to 28 Nigerian offices by March 2026, strengthening offline reach.

What critics are saying

  • CBN concentration caps force PalmPay to reshape merchant-acquiring by December 31, 2026.
  • January 1, 2027 data-localization rules raise infrastructure costs and execution risk.
  • KudiWave's ₦750 million dispute exposes legal, operational, and reputational fragility.

What makes PalmPay unique

  • PalmPay combines wallet, savings, lending, insurance, and agent distribution across Africa.
  • Transsion-backed distribution and handset financing give PalmPay embedded access to smartphone buyers.
  • Its Nigerian banking license and NDIC insurance strengthen trust against unregulated rivals.

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Benefits

  • Health Insurance
  • Professional Development Budget
  • Training Programs

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

0%

2 year growth

0%
Blueprint Newspapers Limited
Oct 18th, 2026
Police stage cybercrime awareness walk, warn against investment scams, sextortion.

Police stage cybercrime awareness walk, warn against investment scams, sextortion. The Nigeria Police Force (NPF) has warned Nigerians against falling victim to investment fraud, romance scams and sexual extortion, urging citizens to adopt safer online practices as cybercriminals increasingly exploit digital platforms to defraud unsuspecting victims. The director of the Nigeria Police Force National Cybercrime Centre (NPF-NCCC), AIG Akaninyene Ezima, said public education and sensitisation remained critical to reducing cybercrime, stressing that preventing citizens from falling into the traps of fraudsters would make the work of law enforcement agencies easier. Speaking during a cybercrime awareness programme in Abuja, said tackling cybercrime required more than arrests and prosecutions, noting that citizens must understand the risks associated with their online activities and learn how to protect themselves. "It is not all about enforcement. This is more about sensitisation. This is more about letting the people know what they should and should not do," he said. He expressed appreciation to the Inspector-General of Police, IGP Olatunji Disu, for supporting the centre, as well as other stakeholders who participated in the awareness campaign. The director of the centre acknowledged the media's role in public enlightenment, stressing that their partnership would help disseminate information about cybercrime prevention to a wider audience. Ezima identified investment scams as one of the major forms of cybercrime reported to the police, particularly schemes that lure victims with promises of extraordinary returns on investments in the stock market and other financial ventures. According to the director, victims were often shown online dashboards displaying steadily increasing profits, only to discover that they cannot withdraw their money after investing substantial sums. He said some Nigerians had lost hundreds of millions of naira, while others had suffered losses running into billions of naira through fraudulent investment schemes. The NPF-NCCC director also raised concerns about romance scams and the increasing incidence of sexual extortion, commonly known as sextortion. He explained that fraudsters sometimes exploit relationships established online to obtain intimate photographs from their victims before threatening to publish the images when relationships deteriorate or victims refuse further demands. Ezima urged Nigerians to exercise caution when sharing personal information, photographs and financial details online. He warned against investment offers that promise unusually high returns, advising prospective investors to investigate the legitimacy of financial opportunities before committing their money. "If an investment looks too good to be true, then it should be true," he said, apparently cautioning against unrealistic offers. He questioned the credibility of schemes promising monthly returns of 30 per cent when conventional savings interest rates in Nigeria are significantly lower. The police chief also rejected the perception that cybercrime in Nigeria was perpetrated exclusively by Nigerians, saying the country had become a target for international criminal networks and that the police had arrested foreign nationals in connection with cybercrime cases. He urged citizens to avoid providing criminals with opportunities to exploit their personal information, financial accounts and online relationships. Also speaking, the Deputy Inspector-General of Police in charge of the Department of Logistics and Supply at Force Headquarters, DIG Kenechukwu Onwuemelie, said the awareness programme reflected the inspector-general's broader approach to strengthening internal security. Onwuemelie described cybersecurity as an important component of national security, noting that the programme was designed to educate Nigerians on the dangers confronting them in the digital space. He said the week-long initiative culminated in the sensitisation exercise, which was intended to deepen public understanding of cybercrime and encourage safer online behaviour. The managing director and chief executive officer of PalmPay Limited in Nigeria, Chika Reginald Nwosu, said the fintech company was supporting the police campaign because digital security must be accompanied by consumer education. Nwosu said the company had partnered with the NPF-NCCC on the awareness initiative for the second consecutive year, adding that financial literacy was necessary to protect consumers and maintain a healthy digital financial ecosystem. He urged customers to keep their personal identification numbers (PINs), passwords and one-time passwords (OTPs) confidential, warning that disclosing such information could expose their accounts to fraud. "Building a well-secured digital platform is not enough. We also believe that consumer education, what we call financial literacy programme, is very important to protect the consumers and have a very healthy financial ecosystem," he said. Nwosu claimed that, based on the company's internal investigations, about 85 per cent of fraud incidents it examined involved victims who had compromised their security information. He said PalmPay had also introduced technological safeguards, including facial verification, to strengthen security on its digital platform and make it more difficult for fraudsters to operate. The fintech executive maintained that a combination of technological protection and informed consumers would help reduce exposure to financial fraud.

Reward Investments & Services Ltd
Oct 13th, 2026
PalmPay wins BAFI Award as consumer trust becomes critical to digital finance.

PalmPay wins BAFI Award as consumer trust becomes critical to digital finance. PalmPay has won the Digital Payments Platform of the Year award at the 2026 BusinessDay Banks and Other Financial InstitutionsBusinessday NGRead More At Reward Investments and Services Limited, its priority is to provide customers with premium capital market services, rewarding investments and desired results. Quick links. Contact Reward Investments & Services Ltd. * +2348187478937 * [email protected] * 10th Floor, 31 Marina, Lagos Powered by MTL

Africa This Day
Oct 12th, 2026
PalmPay named Digital Payments Platform of the Year at Business Day BAFI Awards 2026.

PalmPay named Digital Payments Platform of the Year at Business Day BAFI Awards 2026. The award recognised the company's contribution to the growth of digital payments and financial inclusion in Nigeria. The post PalmPay named Digital Payments Pl Africa ThisDay Reporter Oct 12, 2026 at 12:53 PM **Lead** In a significant acknowledgment of its impact in the financial technology space, PalmPay has been awarded the title of Digital Payments Platform of the Year at the prestigious Business Day Banking and Finance Innovation Awards (BAFI) held in 2026. This accolade highlights PalmPay's pivotal role in advancing digital payments and enhancing financial inclusion across Nigeria, positioning it as a frontrunner in the nation's fintech landscape. **Background** Since its launch in 2019, PalmPay has been instrumental in revolutionizing the payment system in Nigeria, a country where a large percentage of the population remains unbanked. With a commitment to driving financial inclusion, the platform has leveraged technology to provide accessible and affordable payment solutions, enabling individuals and small businesses to engage in the formal economy. The recognition from the BAFI Awards underscores a wider trend in Nigeria's fintech sector, which is rapidly growing and adapting to the financial needs of a diverse population. **Key Developments** The Business Day BAFI Awards, a celebrated event in Nigeria's financial calendar, took place on April 15, 2026, and showcased various categories acknowledging innovative contributions in the finance sector. PalmPay's victory in the Digital Payments Platform category was announced by the Chief Executive Officer of Business Day Media, Dr. Ogho Okiti, who praised the company for its "outstanding commitment to transforming payment systems and enhancing economic participation among millions of users." This year, PalmPay recorded a significant increase in transaction volumes, reporting over 20 million monthly active users and a 150% increase in year-on-year transaction growth. The award also coincided with PalmPay's recent expansion into additional financial services, such as loans and insurance, further solidifying its market position. **Regional Impact / Significance** PalmPay's recognition as the Digital Payments Platform of the Year holds considerable implications for Nigeria and the West African region. The award not only elevates PalmPay's status but also sets a benchmark for other fintech companies striving for innovation and inclusivity. With an estimated 63% of Nigeria's adult population still unbanked, the focus on digital payments enhances access to financial services, fostering economic growth and stability. Furthermore, the success of platforms like PalmPay encourages investment in technology solutions, potentially leading to job creation and increased entrepreneurial activities in the digital economy. **Outlook** Looking ahead, PalmPay is expected to build on this momentum by expanding its offerings and enhancing user experiences. The company plans to introduce more integrated financial services tailored to meet the diverse needs of its growing user base, with an emphasis on consumer protection and data security. Observers anticipate that as the digital payments landscape evolves in Nigeria, competing firms might increase their investments in technology to innovate and capture market share, further accelerating the country's transition towards a cashless economy. This news was sourced by its AI agent and verified through multiple sources. #digital payments #BAFI Awards #financial inclusion #Premium Times

TechEconomy
Oct 12th, 2026
PalmPay receives BusinessDay BAFI Awards 2026.

PalmPay receives BusinessDay BAFI Awards 2026. By Destiny Eseaga PalmPay, has been named Digital Payments Platform of the Year at the 2026 BusinessDay Banks and Other Financial Institutions (BAFI) Awards, recognising the company's contribution to the growth of digital payments and financial inclusion in Nigeria. Nigeria market report The BAFI Awards organised by BusinessDay and held on October 9, 2026 at the Civic Center, Lagos, and was officially presented to PalmPay by Frank Aigbogun, renowned publisher and co-founder of BusinessDay. Since launching in Nigeria in 2019, PalmPay has built an inclusive digital financial services ecosystem, enabling customers to make payments, pay bills, and access other financial services through its platform. The company now serves over 35 million users in Nigeria, supported by a broad network of merchants and agents that enables digital transactions across the country. Commenting on the recognition, Chika Nwosu, managing director, PalmPay Nigeria, said the award reflects the company's commitment to building financial services around the everyday needs of Nigerians. "We are honoured to receive the Digital Payments Platform of the Year award at the BAFI Awards. Digital payments have become an important part of how Nigerians manage their finances, run businesses and carry out everyday transactions. This award reflects our continued commitment to making financial services more accessible, reliable and secure for the millions of customers who use PalmPay every day." "As the industry continues to advance financial inclusion, our responsibility goes beyond enabling transactions. At PalmPay, we want to give customers the tools, information and support they need to use these services confidently and securely." PalmPay's focus on consumer protection is also reflected in its ongoing PalmPay Dey For You campaign, which educates customers about the platform's security features and encourages safer digital financial habits. The timing of the recognition underscores an important connection between security, trust and financial inclusion. As more Nigerians move their financial activities online, confidence in the safety of digital transactions will be increasingly important to driving adoption. By strengthening customer protection alongside access and convenience, PalmPay can help create an environment where more people feel confident participating in the digital economy. PalmPay said it will continue to invest in technology, security, and customer experience, as it works to expand access to reliable financial services across Nigeria and its other markets. Technology consulting services

Legit.ng
Sep 28th, 2026
PalmPay Launches NightGuard to Protect Night Transfers With Extra Verification.

PalmPay Launches NightGuard to Protect Night Transfers With Extra Verification. Published 28 Sep 2026 at 12:47 PM * PalmPay's NightGuard lets customers require extra verification for transfers during selected hours between 11 p.m. and 7 a.m. * The feature aims to help protect accounts if phones are lost or compromised, without blocking overnight transfers. * NightGuard is available through PalmPay's upgraded Security Centre as the company also promotes customer awareness of digital-payment risks Pascal Oparada is a journalist with Legit.ng, covering technology, energy, stocks, investment, and the economy for over a decade. PalmPay has introduced NightGuard, a security feature that allows customers to require additional verification for transfers during selected night-time hours, giving users more control over when extra checks apply to their accounts. The fintech company announced the rollout in a statement on Saturday, saying the feature is available through its upgraded Security Centre. Customers can set a protection window within the hours of 11 p.m. and 7 a.m. Any transfer attempted during their chosen period will require an additional verification step before it can be completed. The feature targets a concern for digital-payment users: the risk of unauthorised transfers when a phone is lost or compromised, particularly during periods when account activity may escape immediate attention. How PalmPay's NightGuard works. NightGuard allows users to decide when they want an extra layer of verification on transfers, rather than applying the additional check to every transfer throughout the day. Once a customer selects a protection period within the available overnight window, transfer attempts during those hours become subject to the extra security requirement, Punch reports. The feature therefore centres on customer-selected hours. PalmPay described it as a way to give users greater control over account security, especially when they may be less likely to notice unusual activity. For customers, the distinction is that NightGuard introduces a verification requirement during a defined period. It does not amount to a blanket suspension of night transfers: transactions within the selected window require the extra check before completion. Why PalmPay is focusing on night transfers. Explaining the initiative, Femi Hanson, Head of PalmPay Nigeria Marketing, said a compromised or missing phone could present particular risks overnight. "While fraud can happen at any time, there are situations where a compromised or lost phone can create additional risks at night," Hanson said. "Giving customers more control over when additional verification is required can provide another layer of protection." His comments underline the feature's purpose as an additional security measure. PalmPay's announcement presents NightGuard as a tool for strengthening protection during selected hours, rather than suggesting that fraud occurs only at night. The rollout comes as digital payments become increasingly embedded in everyday transactions in Nigeria. Alongside that convenience, users continue to face threats ranging from scams and impersonation to unauthorised account access. Security tools and customer awareness. NightGuard forms part of the tools offered through PalmPay's upgraded Security Centre, which brings the new verification option into the company's wider account-security offering. PalmPay also said customer education remains an important component of its efforts to improve digital-payment security. The announcement combines two priorities: giving customers a practical way to apply extra checks during selected hours and maintaining awareness of the risks that accompany everyday use of digital financial services. CBN unveils tough new rules for PalmPay and others. Legit.ng earlier reported that the Central Bank of Nigeria (CBN) has introduced a set of sweeping new regulations targeting major digital payment companies, including OPay, Moniepoint, PalmPay, Paystack, and Flutterwave, as part of a broader effort to tighten oversight and deepen financial inclusion across the country. The reforms, released between March and June 2026, focused on market concentration, operational ring-fencing, ownership disclosure, financial holding structures, and anti-money PalmPay Launches NightGuard to Protect Night Transfers With Extra Verification (AML) compliance.