Relationship Manager - Business Banking (Lagos) at FairMoney

Job Summary

• The Relationship Manager - Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
• The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.

Key Responsibilities
Merchant & Business Lending:

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region

Portfolio, Performance & Market Management:

• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions
• Actively drive to meet and exceed lending and payments performance targets
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies

Offline Payments Acquiring:

• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required
• Grow regional transaction volume, value, and revenue in alignment with lending objectives

Requirements

• Bachelor's degree in Sales, Marketing, Finance, Business Administration, or a related discipline
• 6-8 years of experience in merchant lending, SME lending, business banking, or fintech credit sales
• Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management
• Experience acquiring and managing a lending portfolio of a minimum of N2B+
• Proven track record of loan book growth and sales target achievement
• Highly results-driven, commercially minded, and execution-focused
• Excellent communication, negotiation, and relationship management skills.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.