FairMoney

Relationship Manager – Business Banking

FairMoney

full-time

Posted on:

Location Type: Hybrid

Location: Lagos • Nigeria

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About the role

  • - Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
  • - Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
  • - Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
  • - Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios.
  • - Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets.
  • - Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region.
  • - Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions.
  • - Actively drive to meet and exceed lending and payments performance targets.
  • - Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities.
  • - Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.
  • - Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility.
  • - Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking.
  • - Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required.
  • - Grow regional transaction volume, value, and revenue in alignment with lending objectives.

Requirements

  • - Bachelor’s degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
  • - 6–8 years of experience in merchant lending, SME lending, business banking, or fintech credit sales.
  • - Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management.
  • - Experience acquiring and managing a lending portfolio of a minimum of N2B+
  • - Proven track record of loan book growth and sales target achievement.
  • - Highly results-driven, commercially minded, and execution-focused.
  • - Excellent communication, negotiation, and relationship management skills.
Benefits
  • - Private Health Insurance
  • - Performance Bonus
  • - Pension Plan
  • - Training & Development