FairMoney

Sales Director – Business Banking

FairMoney

full-time

Posted on:

Location Type: Hybrid

Location: Lagos • Nigeria

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Job Level

Lead

About the role

  • Own and deliver state-wide merchant and SME lending targets, including loan volume, value, yield, and portfolio growth.
  • Define and execute regional lending strategies aligned with company-wide growth and risk objectives.
  • Drive large-scale loan origination across priority merchant sectors such as Health & Beauty, Electronics, Auto Parts, pharmacies, FMCG distributors, Hospitality, Retail chains and others.
  • Maintain oversight of portfolio performance, ensuring strong repayment behavior, controlled delinquency, and sustainable growth.
  • Provide strategic direction on ticket sizing, sector focus, and risk appetite based on regional market dynamics.
  • Lead and manage Relationship Managers, Senior Relationship Managers, and field sales teams across the state.
  • Set clear performance expectations and ensure consistent achievement of lending, revenue, and transaction KPIs.
  • Build a strong sales and portfolio management culture focused on loan book quality, accountability, and execution excellence.
  • Coach and develop team leads to improve loan sales effectiveness, portfolio discipline, and merchant engagement.
  • Own and manage strategic, high-value, and enterprise merchant relationships within the region.
  • Use senior-level engagement to unlock large-ticket lending opportunities, repeat borrowing cycles, and long-term partnerships.
  • Represent the company in key external engagements, partnerships, and stakeholder interactions within the state.
  • Ensure strong adoption and usage of offline payment solutions (POS) across lending merchants to drive transaction visibility.
  • Leverage transaction data to improve credit decision, monitoring, and early risk detection.
  • Oversee merchant activity trends and ensure proactive intervention where transaction declines pose credit risk.
  • Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks.
  • Work closely with Credit, Risk, and Collections teams to proactively manage portfolio health.
  • Monitor competitor activity, market trends, and sector risks, providing insights to senior leadership.
  • Escalate early warning signals and drive corrective actions to protect the loan book.

Requirements

  • Bachelor’s degree in Finance, Business Administration, Economics, or a related discipline.
  • 10 - 15 years of experience in business/merchant lending, SME banking, or fintech credit, with regional leadership exposure within a commercial bank
  • Proven track record of scaling large loan books while maintaining strong portfolio quality.
  • Strong understanding of cash flow-based lending, credit risk management, and portfolio optimization.
  • Demonstrated experience leading multi-layered commercial teams.
  • Strong commercial judgment, strategic thinking, and execution capability.
  • Excellent stakeholder management, negotiation, and leadership skills.
  • Highly performance-driven with a strong ownership mindset.
Benefits
  • Private Health Insurance
  • Performance Bonus
  • Pension Plan
  • Training & Development
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
merchant lendingSME bankingcredit risk managementportfolio optimizationcash flow-based lendingloan originationportfolio performance monitoringtransaction data analysisKPI achievementrisk frameworks
Soft Skills
strategic thinkingstakeholder managementnegotiationleadershipperformance-drivenownership mindsetteam coachingexecution excellencecommercial judgmentrelationship management
Certifications
Bachelor’s degree in FinanceBachelor’s degree in Business AdministrationBachelor’s degree in Economics