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Relationship Manager – Business Banking (Lagos)
About this role
The role is for a Senior Relationship Manager in Business Banking based in Lagos with hybrid work. It focuses on driving merchant and SME lending, growing the loan book profitably, and engaging merchants through online and offline payment solutions. Responsibilities cover originating and closing loan deals, end-to-end loan sales, managing a quality loan book, and expanding lending within merchant portfolios. The employer, FairMoney Microfinance Bank, operates as a digital/mobile bank offering services like merchant lending and payment solutions, with a regional focus in Nigeria and beyond, adopting a hybrid work model.
What you would do
- Originate and close merchant and SME loan deals across target sectors.
- Lead end-to-end loan sales execution: prospecting, onboarding, credit documentation, disbursement coordination, post-disbursement monitoring.
- Build and actively manage a high-quality loan book with good utilisation and repayment performance.
- Drive repeat borrowing and loan upsell within existing merchant portfolios.
- Collaborate with credit and risk teams to ensure quality underwriting and target achievement.
- Monitor KPIs on disbursement, portfolio quality, repayment, and transactions.
- Conduct regular merchant visits to improve loan performance and identify new lending opportunities.
- Track market and competitor lending trends and provide pricing and product insights.
- 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 goals.
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+.
- Proven track record of loan book growth and meeting sales targets.
- Highly results-driven, commercially minded, and execution-focused.
- Excellent communication, negotiation and relationship management skills.
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