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Relationship Manager – Business Banking (Rivers)
About this role
The role is for a Senior Relationship Manager – Business Banking focused on driving merchant and SME lending in Rivers. It involves originating loans, managing a profitable loan book, and engaging merchants through online and offline payment solutions. The position aims to grow lending penetration, utilization, and repayment performance across assigned merchant segments. The employer, FairMoney Microfinance Bank, operates a hybrid work model and provides mobile banking services with expanding regional reach.
What you would do
- Originate and close merchant and SME loan deals across key sectors (FMCG, Mobile & Electronics, Fashion, household goods, building materials, retail chains, etc.).
- Manage end-to-end loan sales: prospecting, onboarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
- Grow and manage a high-quality loan book with strong utilization and healthy repayment behaviour.
- Drive repeat borrowing and up-sell by deepening lending within existing merchant portfolios.
- Collaborate with credit and risk teams to ensure quality underwriting while meeting targets.
- Monitor KPIs on loan disbursement, portfolio quality, repayment, and transactions.
- Conduct regular merchant visits to improve loan performance and uncover new lending opportunities.
- Track market trends and provide pricing/product insights to management.
- Drive offline payments adoption (POS) to support lending visibility 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 field.
- 8+ years 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.
- Results-driven with commercial focus and execution capability.
- Excellent communication, negotiation, and relationship management skills.
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