Portfolio Growth Officer (Hybrid)

About this role

A Portfolio Growth Officer position based in Lagos (hybrid) for FairMoney Microfinance Bank. The role focuses on converting inactive merchant accounts and unused credit capacity into a healthy, revenue-generating portfolio through reactivation, relationship management and credit controls.

What you would do

• Prioritise viable merchants and execute plans to drive first drawdown, repeat usage and sustainable utilisation.
• Conduct targeted field visits to verify businesses and resolve issues requiring in-person intervention.
• Manage early-stage repayments, escalate delinquency per DPD rules and suspend utilisation where credit concerns exist.
• Diagnose inactivity by reviewing merchant conditions, financing needs, usage, repayment history and engagement.
• Own and manage zero-utilised, dormant, suspended and growth-potential merchants as the primary relationship manager.
• Maintain accurate portfolio records and coordinate with Retention, Operations, Credit and Risk to resolve blockers.

What they are asking for

• Bachelor’s Degree or HND in Business, Finance, Economics, Marketing or related field.
• Strong communication, negotiation, relationship-management and field execution skills.
• At least 3 years’ experience in relationship management, field sales, SME lending, portfolio management or financial services.
• Proficiency in Excel, CRM systems and performance trackers.
• Ability to diagnose customer problems, manage objections and convert opportunities into commercial outcomes.
• Willingness to travel regularly and work across commercial territories.

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