Credihub Sales Representative

Product: CrediHub — Core Banking and Financial Management Software
Engagement Type: Commission-Based Sales Agent, subject to applicable employment laws

Key Responsibilities

The Sales Representative will be responsible for the following:

Identify and develop a pipeline of prospective SACCOs, microfinance institutions, cooperatives and other relevant financial service providers.
Conduct market research to identify potential customers and understand their operational challenges and software requirements.
Contact prospective customers through telephone calls, emails, WhatsApp, referrals, networking and physical visits.
Establish and maintain professional relationships with institutional managers, directors and other decision-makers.
Present CrediHub’s capabilities and explain how the platform can improve financial management, operational efficiency and customer service.
Arrange product demonstrations and coordinate meetings between prospective customers and the Yangazu technical or management team.
Follow up on sales leads, demonstrations, proposals and negotiations to support successful contract acquisition.
Maintain an accurate and up-to-date record of prospects, customer interactions, sales activities and opportunities.
Submit regular sales activity reports and pipeline updates to management.
Gather market intelligence, competitor information and customer feedback to help improve CrediHub’s sales strategy.
Represent Yangazu Incorporated Limited professionally and uphold the company’s reputation in all business interactions.
Comply with company sales policies, confidentiality requirements and approved communication guidelines.

Required Qualifications and Experience

Applicants should possess the following qualifications and attributes:

At least a Malawi School Certificate of Education (MSCE).
Additional qualifications in business administration, marketing, sales, finance, accounting, information technology or a related field will be an advantage.
Previous experience in sales, marketing, business development, financial services or customer relationship management is desirable.
Excellent verbal and written communication skills.
Strong interpersonal, negotiation and persuasion skills.
Confidence in approaching business owners, institutional managers and senior decision-makers.
Basic computer literacy and familiarity with email, WhatsApp and online meeting platforms.
Good organisational skills and the ability to manage time, follow up on leads and work independently.
Professional conduct, honesty, initiative and a results-oriented mindset.

Preferred Candidate Profile

Preference will be given to candidates who demonstrate one or more of the following:

Existing professional networks within SACCOs, microfinance institutions, cooperatives or other financial service providers.
Experience selling software, financial products, business services or technology solutions.
Experience engaging institutional clients and negotiating business agreements.
Knowledge of the operational challenges faced by financial institutions in Malawi.
A demonstrated ability to identify prospects, generate leads and convert opportunities into paying customers.
Access to a suitable phone, internet connection and other basic resources required to carry out sales activities.
Candidates who are self-motivated and capable of building professional networks are encouraged to apply.

Working Arrangement

This is a remote and field-based opportunity. Representatives will not be required to report to a physical company office. The successful candidates will organise their sales activities independently, identify prospective customers and conduct outreach within their assigned markets. Communication, reporting and coordination with Yangazu management will be conducted through agreed digital channels and scheduled meetings. Candidates should be prepared to use their own basic communication resources where practical. Any travel, accommodation or other business-related expenses must be approved by Yangazu in advance before reimbursement can be considered.

Compensation and Commission Structure

This opportunity offers performance-based earnings through a commission arrangement. There is no guaranteed fixed salary under the proposed independent sales-agent model.

The proposed commission structure is as follows:

A. Onboarding Commission

The representative will earn a commission equivalent to 30% of the qualifying once-off onboarding fee actually received by Yangazu Incorporated Limited from each new customer secured by the representative.

B. Monthly Subscription Commission

The representative will earn a commission equivalent to 20% of qualifying monthly subscription payments actually received by Yangazu Incorporated Limited from each customer secured by the representative, for the agreed commission period.

All commissions will be subject to the terms of the signed sales agreement, confirmation that the relevant customer payments have been received, applicable tax obligations and relevant legal requirements. The commission period, payment schedule, lead attribution rules, eligibility requirements and treatment of overdue payments, cancellations and contract termination will be clearly documented and agreed upon in writing before the representative begins work. Earnings will depend on successful customer acquisition, sales performance and the receipt of qualifying customer payments. No minimum earnings are guaranteed.

Institutional pricing, discounts, commercial proposals and contractual terms must only be communicated to prospective customers in accordance with Yangazu’s authorisation and sales policies.

What Yangazu Offers

Successful candidates will have the opportunity to:

Represent a locally developed financial technology product.
Earn commission based on qualifying sales performance.
Develop experience in institutional sales, business development and financial technology.
Receive product orientation and approved sales and marketing materials.
Access management support for technical demonstrations and commercial discussions.
Build professional relationships within Malawi’s financial services sector.
Contribute to the growth of a developing Malawian software company.

Performance Expectations

Representatives will be expected to maintain consistent sales activity and demonstrate progress in developing their assigned markets.

Performance will be assessed using indicators such as:

Number and quality of new prospects identified.
Number of decision-makers contacted.
Meetings and product demonstrations arranged.
Qualified sales opportunities generated.
Proposals and negotiations progressed.
New customer contracts secured.
Customer payments received from qualifying sales.
Accuracy of sales records and timeliness of reports.
Specific targets will be discussed and agreed upon during onboarding and reviewed periodically according to market conditions and the sales cycle.

Confidentiality and Professional Conduct

Sales Representatives must protect the confidential information of Yangazu Incorporated Limited and its customers. Confidential information includes institutional pricing, customer records, business strategies, software information, sales materials not approved for public distribution and internal commercial arrangements. Representatives must not make unauthorised commitments, offer unapproved discounts, misrepresent product capabilities or sign contracts on behalf of Yangazu without the necessary authority.

All customer payments must be made through officially authorised company payment channels. Representatives must not collect customer funds into personal accounts. Representatives will also be required to comply with applicable data protection, confidentiality and other relevant legal requirements.

Nature of Engagement

The proposed engagement is intended to operate as an independent sales-agent arrangement, with compensation linked to qualifying sales.

The actual legal classification of the relationship will depend on the working arrangement and applicable Malawi law. The written agreement will set out the parties’ respective rights, responsibilities, commission terms, confidentiality obligations and termination conditions.

Application Procedure

Interested candidates should submit the following:

An updated CV or professional profile.
A brief cover letter explaining their suitability for the position.
Details of relevant sales, marketing or business development experience.
Information about any professional networks or experience within SACCOs, microfinance institutions, cooperatives or financial services.
Their current location and preferred area of sales coverage within Malawi.
Application Email: [email protected]

Only shortlisted candidates will be contacted.

About CrediHub

CrediHub is a product of Yangazu Incorporated Limited, developed to help financial institutions modernise their operations through integrated banking and financial management technology.

Yangazu Incorporated Limited
Building digital solutions for businesses and financial institutions.