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Relationship Manager – Business Banking (Cross River)
About this role
The role is for a Senior Relationship Manager in Business Banking covering Cross River, with hybrid work. It focuses on originating merchant and SME loans, managing the loan book, and promoting offline and online payment solutions to merchants. The employer is FairMoney Microfinance Bank, a digital-first lender expanding across regions, offering financial services such as current accounts, savings, and cards. The job targets candidates with strong lending, portfolio management, and sales skills to grow loan volumes in the region. The position requires engaging merchants, coordinating credit processes, and working with risk teams to maintain portfolio quality.
What you would do
- Originate and close merchant and SME loan deals across key sectors
- Execute end-to-end loan sales including prospecting, onboarding, documentation, disbursement, and post-disbursement monitoring
- Build and manage a high-quality loan book with strong utilisation and repayment performance
- Drive repeat borrowing and up-sell within existing merchant portfolios
- Collaborate with credit and risk teams to ensure quality underwriting and targets are met
- Monitor KPIs for disbursement, portfolio quality, repayment, and transactions
- Conduct regular merchant visits to improve loan performance and identify new lending opportunities
- Track market and competitor trends to inform product and pricing strategy
- Drive adoption of offline payment solutions (POS) to support credit assessment and repayment tracking
- Grow regional transaction volume, value, and revenue in line with lending objectives
What they are asking for
- Bachelor’s Degree in Sales, Marketing, Finance, Business Administration or related discipline
- 8+ years of experience in merchant lending, SME lending, business banking, or fintech credit sales
- Strong understanding of cashflow-based lending, merchant underwriting, and portfolio management
- Experience managing a lending portfolio of at least N2B+
- Proven track record of loan book growth and meeting sales targets
- Results-driven, commercially minded, and execution-focused
- Excellent communication, negotiation, and relationship management skills
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