Relationship Officer at Sage-Grey Finance Limited

Job Summary

• The Relationship Officer for Digital Products supports the Company’s digital business by assisting with customer onboarding, documentation, and reporting across lending and deposit products.
• The role focuses on helping originate and process digital loan and deposit applications, ensuring accurate customer records, and preparing regular reports on pipeline activities and product performance.
• By focusing on operational execution and customer engagement support, the position contributes to the growth of the Company’s digital lending and deposit business while enhancing acquisition efficiency, conversion, and overall customer experience.

Responsibilities
Digital Products (Lending):

• Support digital lead generation, customer acquisition, and onboarding activities across the Company’s digital lending products.
• Assist prospective and existing customers through the loan application and onboarding process by providing guidance on product requirements, documentation, and submission procedures.
• Follow up on client enquiries and ensure prompt responses to digital loan requests.
• Maintain an updated loan pipeline tracker with status of prospects, applications, and conversions.
• Assist in preparing draft loan proposals, quotations, and supporting documents.
• Monitor repayment behavior and escalate potential risks to senior Relationship Managers.
• Prepare weekly reports on loan acquisition activities and pipeline progress.

Digital Products (Deposits & Investment):

• Support customer acquisition and onboarding activities for the Company’s digital savings, investment, and deposit products across retail and SME segments.
• Assist customers with account opening, KYC documentation, product activation, and general onboarding processes.
• Maintain a deposit tracker to monitor inflows, customer activity, and product usage.
• Follow up on deposit enquiries and ensure timely responses to customer requests.
• Prepare weekly and monthly reports on deposit mobilization and customer engagement.
• Identify opportunities to cross-sell savings, cards, overdrafts, and bundled offerings to digital customers.
• Track customer engagement trends and highlight service gaps for improvement.

Documentation & Compliance:

• Ensure customer and transaction records are complete, accurate, and compliant with internal credit policies and regulatory guidelines.
• Collaborate with Legal, Compliance, and Risk teams to ensure full KYC/AML checks and policy adherence.
• Prepare periodic portfolio performance reports and analysis for management review.
• Stay abreast of regulatory developments, macroeconomic shifts, and industry best practices in credit analysis.

Stakeholder Management & Collaboration:

• Participate in team meetings, training sessions, and customer outreach activities.
• Support digital marketing initiatives and customer onboarding strategies.
• Assist in preparing presentations and conducting meetings with clients regarding digital products.
• Maintain an updated client database and business opportunity tracker.
• Provide regular updates and reports on portfolio performance and customer insights.
• Support initiatives aimed at improving customer experience and digital service offerings.
• Stay informed on emerging trends in digital banking and report opportunities to management.

Qualifications & Experience

• Bachelor’s degree in Finance, Economics, Business Administration, or related discipline.
• 2–4 years of experience in digital banking, credit sales or business development within a financial institution.
• Working knowledge of electronic banking products, digital lending platforms, and credit processes.
• Basic understanding of financial analysis, customer relationship management, and sales techniques.
• Familiarity with lending and deposit products within the Nigerian financial services industry