about us

Building the Finest Quality Financial Service.
324

branches

3401

personal loans

501

ATM Cards

2055

Deposit Accounts

Overview

We believe in the democratisation of credit to underbanked businesses.

These businesses make up 70% of commerce in frontier markets within the Sub Saharan Africa. Our approach involves providing non-collateral based credit to underbanked small businesses within the region.

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services

we offer products and services for your personal and professional banking needs.

We are constantly evolving, bridging the gap created by the traditional banks.

Our products are very innovative as we see technology as an Enabler.

 

For Deposit Above, use- Digitised form of traditional Ajo/Esusu

 

Loans- Innovative non-collateralised loans with ease of payment for traders

 

Prepaid Card- in partnership with our partner bankers, we issue ATM cards for our Ajo/Esusu accounts

Deposits

The regular Ajo has found home at OsB

loans

We pride ourselves with the swift loan service we offer

prepaid card

OsB has a Prepaid ATM card that guarantees seemless integration

net banking

Our Joy. Bring your transactions online with us

mcash

Our mobile money outlets span across Lagos State

fund transfer

Seamless technology, guaranteed transactions

Our Team

Know more

Ensuring there's a high level of customer service.

The fintech industry has come to stay in Nigeria and we know that tech and finance are veritable tools to lift our people out of poverty. It is not that they are poor, but the lack of enablers to help aggregate and digitize what they have always done, this is what we stand for. That is why OsB provides multiple channels of transactions for customers. That is our focus in OsB and this is indeed, our forte`.

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CEO & Chairman of the Board

  • CEO & Board Chairman

    Osemo Borealis Ltd., Lagos, Nigeria

  • Harambean Fellow

    London, Greater London, United Kingdom

  • University of St Andrews

    Scotland

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FAQs

Have questions about our service? Click below to view responses to the most common questions.

How does OsB work?

At the click of a button, OsB makes it easy to access amazing financial services. You can get instant loans, make all your financial transactions, and invest money with high interest returns. OsB is your trusted digital partner, always ready to help you out.

Is OsB a bank? Where are you located?

OsB is a service provided by Osemo Borealis Ltd., a co-operative scheme licensed by Lagos State government. Even though we offer a service that is 100% online, you can still reach us whenever you need via our customer support channels or any of our social media.

What are the required documents or collateral for a OsB loan?

OsB loans do not require collateral or documents - our process is entirely paperless! All you need is an Android device, a data connection, a means of identification, as well as valid bank details. OsB also has Location Managers across Lagos State that serve the non digital customers.

Can I update my banking / personal information?

You can update your personal information and banking details in the app. If you have a running loan with us and need to update or change certain details, we advice that you go through your Location Manager.

Who should I contact to submit a comment, question or complaint?

You can drop us a message on info@osb.ng and a customer care representative will respond swiftly. Feel free to reach out to us any time via our dedicated phone lines or find us on social media (Facebook, Twitter, Instagramand Medium). We will always do our best to attend to you as quickly as possible.

Can I access OsB from any location?

All OsB services are available throughout Nigeria.

How do I apply for a loan?

After registering online and signing in, complete your loan application with valid information, then determine how much you would like to borrow. We will then display your available loan offer in the app and you can view your expected repayment(s). Submit your application and we will typically notify you of the loan decision within minutes. This process can also be done through your Location Manager.

How long does it take to process an OsB loan?

The entire process can be completed in no time! Once you complete our short application and accept the loan offer provided, your information is reviewed, and a loan decision is typically provided within minutes. If approved, funds will be received within a few moments of the application process being completed.

How much can I borrow from OsB? For how long?

When you fill out an application, our system will calculate a loan offer for you which determines the amount and repayment duration we can offer you. This differs by individual, so please ensure your information is accurate and that you are applying from your personal mobile device, for us to provide you with the best possible loan offer.

My current loan offer is too small! Can I get a higher loan amount?

The loan offer displayed to you is what we can provide at the time of application. This may vary in future - as we learn more about you, we´┐Żll also be able to provide loans that better suit your financial profile.

I was approved for a loan, why have I not yet received my funds?

All approved loans are disbursed to your OsB debit cards. However, if you don't have an OsB debit card, your Location Manager will communicate your loan to you in cash.

Why was my loan application rejected?

There are a few reasons behind loan application rejections. The most likely reason is that our system did not receive sufficient data to score your application. Please ensure you are signed into OsB using your own account, and also keep your data on while using the app in order for us to determine the best possible loan offer for you.

Another possible reason is that you may not have shared all of the information required in the application or provided invalid details.

However, there can be other reasons. As a responsible lender, we take steps to ensure we only extend credit to applicants who can afford it, so that our clients won't become too indebted. It is possible that at this time, you don't match the profile of individual we normally lend money to.

Negative repayment patterns on previous obligations (including OsB loans) can also limit access to credit, or make it more expensive to obtain. Whatever the situation, we recommend keeping your account secure and using it to perform other transactions, as this boosts your eligibility for loans.

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Career

We are looking to employ 3 driven and detail-oriented Business Development Officers who would be based in Badagry, Ikorodu and Ibeju lekki respectively. An exceptional Business Development Officer should have strong business acumen as well as demonstrate excellent management, communication, and analytical skills.

Recruit, Train and Onboard new agents in their localities
Providing insight into product development and competitive positioning
Analyzing financial data and developing effective strategies to reduce business costs and increase company profits
Conducting market research to identify new business opportunities
Collaborating with company executives to determine the most viable, cost-effective approach to pursue new business opportunities
Bachelor's degree or HND in Business Management or Administration, Finance, Accounting, Marketing, or related field.
Proven experience working as a Business Development Officer or Marketing role, preferably in an FMCG company
Proficiency in all Microsoft Office applications.
Excellent analytical, problem-solving and management skills.
Effective communication skills.
Strong business acumen.
Detail-oriented.

contact us

Get In Touch
  • +234 818 376 4272
  • info@OsB.ng
  • Aperin House, Plot 27, Budo Layout, Lekki Epe Expressway, Ajiwe Ajah Lagos, Nigeria.
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