A Day in the Life: The Loan Officer Who’s Trying to Like Her Job

August 25, 2022

A Week in the Life” is a weekly Zikoko series that explores the working-class struggles of Nigerians. It captures the very spirit of what it means to hustle in Nigeria and puts you in the shoes of the subject for a week


Today, a woman who sells loans to Nigerian police officers walks us through the chaos of dealing with aggressive officers, why she dislikes the job and her plans for the future. 

A Day in the Life of a loan officer
Image credit: POLCOOP

I have to be at work by 8 a.m., so I wake up at six. My my mum is already preparing breakfast, so I sweep the house, take my bath, eat breakfast and prepare for work. By 7:30 a.m., I leave the house. 

I work as a loan advisory officer at a company that offers loans to police officers, and my work involves convincing the officers to take the loans. It’s a weird job. Instead of outright pushing a product like the average salesperson, my work is more advisory. I show them why they need the loan and guide them through the process.

When I get to the office, it’s meetings, meetings and meetings. And then, I hit the road looking for policemen who need money.

The loan company works with the Integrated Payroll and Personnel information system (IPPIS) to offer the loans. I joined the company as a customer service agent when I wanted to move up the career ladder from being a pre-school teacher. Then the company restructured and moved me to sales. I hate anything to do with sales targets because it comes with competition.

For instance, a police officer who’d taken his first loan through me relocates to another city. When they get there, they may want to take another loan. I have to be very careful to prevent my colleagues from reaching them before me because all the company cares about is us bringing in loan requests. If I let a police officer seek loans from another advisory officer, I’ve lost. I have to be very jealous about my customers. 

Before, when a police officer tells me they want ₦100k, for example, I’d just process their loan request. But, omo, I have targets to meet o. Nowadays, I upsell to them. I’ll ask, “Are you sure?” and try to convince them to ask for more. I like this part sha, because I’m improving, and I know it’s a valuable skill I’ll need when I decide to switch careers.

My life is also full of fear. Travelling outside my state so often just to convince police officers to take loans stresses me, especially with the country so insecure. I’ve heard stories of robbers attacking police stations to destabilise them before going into town to rob. My daily fear is, what if I get caught up in a crossfire?

And I’m a young lady. Have you met Nigerian policemen? Imagine meeting them every single day. The average Nigerian policeman is aggressive so I get threats and visits to the police station often. The most recent instance was after one of them applied for a loan term of six months, and for some reason, IPPIS continued deducting from his account until the eighth month. He was refunded eventually, but he refused to let it go. He’d also asked me out earlier, and I’d refused, so maybe that’s what was paining him. He came to the office, rough-handled the customer service lady and carried us to the police station where he lied that I’d disrespected him and taken his money. 

After everything was resolved, I came to work the next day and nobody even looked at me. I don’t think I’m cut out for this kind of life, but I have to eat.

By 3 p.m., I’ve visited five police stations and scored seven leads. The economy is hard and people need more money, but I don’t know if that’s a good thing. I’m really tired when I get back to the office. Little do I know I’m coming back to wahala. There’s this drunkard policeman who comes to disturb me every other month. Even though I’ve explained how loans work to him, he still comes to complain when money is deducted from his salary. Why are police officers so dramatic?

The only thing that’s keeping me here is money. I’m currently still in school and I have to pay for it. ASUU strike is helping me because I don’t have to combine work and school for now. I can focus on work and learning digital skills. I look forward to a time when I no longer have to do loan officer work for Nigerian policemen every day. I’ve started learning content marketing through online courses. I practise what I learn during the weekend, and I hope to start it as a career soon.

Omo, it’s been a long day, and I can’t stress myself thinking too much about these things. I just want to go back home and rest.

Hi, I’m Ama Udofa and I write the “A Week in the Life” series every Tuesday at 9 a.m. If you’d like to be featured on the series, or you know anyone interesting who fits the profile, fill out this form.

Join The Conversation

Bring a friend.

You'll like this

April 14, 2020

“A Week In The Life” is a weekly Zikoko series that explores the working-class struggles of Nigerians. It captures the very spirit of what it means to hustle in Nigeria and puts you in the shoes of the subject for a week. Today’s subject is *Agnes, a nurse currently caring for Covid patients. She tells […]

November 18, 2021

Guys, get in here. We’ve got something to talk about. Believe it or not, December has come. And you know what that means – it’s time to detty everywhere again. This year, things will be even dettier. COVID did us dirty last December, so there were no shows or events for us to attend. Now […]

April 16, 2021

On social media, many people often joke about wanting to work in tech or in startup companies in general so we decided to ask a few people who already do what that really is like. Cynthia, 28.I was excited when I got the startup job at first because I loved the company’s mission, and founder […]

Watch

Now on Zikoko

Recommended Quizzes

November 25, 2019

We already guessed how many people you’ve slept with, and y’all were out here denying the truth. Anyway, we won’t hold that against you. This time, however, we’ve created a quiz that predicts who you’ll sleep with next — so you can either prepare or try (unsuccessfully) to prevent it. So, take and see:

April 3, 2020

While the rest of the world loves to treat our continent like a country, there are actually 54 African countries. So, in a bid to test your knowledge (and educate you), we’ve created a quiz to see how many of their capitals you can correctly name. Go ahead:

how tall are you
March 11, 2020

Did your parents give you enough beans when you were growing up? If they did, then you’re probably around 6’0″ and above. Either way, we created a quiz that can guess your current height (pretty accurately, if we do say so ourselves). Take to see if we nailed it:

April 14, 2020

Every friend group consists of very different and specific characters — from the parent to the fun one — and it can be a little tough figuring out where you fall. So, we’ve created a quiz that lets you know exactly what kind of friend you are. Take to find out:

November 30, 2019

With No Nut November FINALLY coming to an end, we’ve decided to mark the torturous month with some more horny content. After quizzes that guessed how many people you’ve slept with, how good you are in bed and who you’ll sleep with next, this one will guess when next you’ll get lucky. Take it to […]

More from Hustle

Graphic design with text a week in the life of an apprentice and an image of a sewing machine
October 4, 2022

18-year-old Susan* is learning to sew to keep herself busy during the ASUU strike. But in Nigeria, apprentices are at the mercy of their bosses. Find out why tailors lie and how she’s making the best of the ASUU strike in this week in her life.

Watch

Trending Videos

Zikoko Originals

September 13, 2022
Vs The World is a Zikoko original video series that follows best friends Astor and Hassan as they take on the world.
August 23, 2022
Zikoko Ships is a Zikoko Original series where we invite two people who share a relationship to play the Zikoko card games
December 14, 2020
What happens when a group of chatty young Nigerians talk about things they're passionate about? You get Nigerians talk. A show that discusses very familiar struggles for the average Nigerian. From relationship deal breakers to sex education with Nigerian parents to leaving Nigeria, be prepared for a ride.
November 2, 2020
'The Couch' is a Zikoko series featuring real life stories from anonymous people.
October 26, 2020
A collection of videos documenting some of the events of the EndSARS protests.
June 22, 2020
'The Couch' is a Zikoko series featuring real life stories from anonymous people.
June 22, 2020
Hacked is an interesting new series by Zikoko made up of fictional but hilarious chat conversations.
June 4, 2020
What happens when a group of chatty young Nigerians talk about things they're passionate about? You get Nigerians talk. A show that discusses very familiar struggles for the average Nigerian. From relationship deal breakers to sex education with Nigerian parents to leaving Nigeria, be prepared for a ride.
June 2, 2020
Quickie is a video series where everyone featured gets only one minute to rant, review or do absolutely anything.
May 14, 2020
Isolation Diary is a Zikoko series that showcases what isolation is like for one young Nigerian working from home due to the Coronavirus pandemic.

Z! Stacks

Here's a rabbit hole of stories to lose yourself in:

Zikoko amplifies African youth culture by curating and creating smart and joyful content for young Africans and the world.
X