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Relationship Manager – Business Banking (Akwa Ibom)
About this role
The role is for a Senior Relationship Manager in Business Banking, focused on originating and managing merchant and SME loans across assigned sectors in Akwa Ibom. It combines loan origination, portfolio management, and merchant engagement through offline and online payment solutions to grow the loan book and repayment performance. The role involves end-to-end loan sales, monitoring KPI metrics, and supporting lending through merchant with POS adoption. It targets candidates with extensive merchant lending experience who can drive loan growth and manage a portfolio. The employer, FairMoney Microfinance Bank, operates as a mobile and digital banking provider with services including current accounts, savings, and debit cards, expanding across regions.
What you would do
- Originate and close merchant and SME loan deals across key sectors.
- Own end-to-end loan sales execution from prospecting to post-disbursement monitoring.
- Build and manage a high-quality loan book with strong utilization and repayment.
- Drive repeat borrowing and up-sell within existing merchant portfolios.
- Collaborate with credit and risk teams to ensure quality underwriting and targets.
- Monitor KPIs on disbursement, portfolio quality, repayment and transactions.
- Conduct regular merchant visits to improve loan performance and address risks.
- Track market and competitor lending trends and advise on product/pricing.
- Promote offline payment solutions (POS) to support lending and visibility.
What they are asking for
- Bachelor’s Degree in Sales, Marketing, Finance, Business Administration or related field.
- 8+ years of experience in merchant lending, SME lending, business banking or fintech credit sales.
- Strong understanding of cashflow-based lending, underwriting and portfolio management.
- Experience managing a lending portfolio of at least N2B+ value.
- Proven track record of loan book growth and sales target achievement.
- Results-driven with commercial mindset and execution focus.
- Excellent communication, negotiation and relationship management skills.
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