Sales Director - Business Banking (Lagos) at FairMoney

Key Responsibilities
Regional Business & Merchant Lending Leadership (Primary Focus):

• Own and deliver state-wide merchant and SME lending targets, including loan volume, value, yield, and portfolio growth.
• Define and execute regional lending strategies aligned with company-wide growth and risk objectives.
• Drive large-scale loan origination across priority merchant sectors such as Health & Beauty, Electronics, Auto Parts, pharmacies, FMCG distributors, Hospitality, Retail chains and others.
• Maintain oversight of portfolio performance, ensuring strong repayment behavior, controlled delinquency, and sustainable growth.
• Provide strategic direction on ticket sizing, sector focus, and risk appetite based on regional market dynamics.
• Leadership, People & Performance Management Lead and manage Relationship Managers, Senior Relationship Managers, and field sales teams across the state.
• Set clear performance expectations and ensure consistent achievement of lending, revenue, and transaction KPIs.
• Build a strong sales and portfolio management culture focused on loan book quality, accountability, and execution excellence.
• Coach and develop team leads to improve loan sales effectiveness, portfolio discipline, and merchant engagement.

Strategic Merchant Relationships & Partnerships:

• Own and manage strategic, high-value, and enterprise merchant relationships within the region.
• Use senior-level engagement to unlock large-ticket lending opportunities, repeat borrowing cycles, and long-term partnerships.
• Represent the company in key external engagements, partnerships, and stakeholder interactions within the state.

Offline Payment Acquiring:

• Ensure strong adoption and usage of offline payment solutions (POS) across lending merchants to drive transaction visibility.
• Leverage transaction data to improve credit decision, monitoring, and early risk detection.
• Oversee merchant activity trends and ensure proactive intervention where transaction declines pose credit risk.

Risk, Governance & Market Intelligence:

• Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks.
• Work closely with Credit, Risk, and Collections teams to proactively manage portfolio health.
• Monitor competitor activity, market trends, and sector risks, providing insights to senior leadership.
• Escalate early warning signals and drive corrective actions to protect the loan book.

Requirements

• Bachelor’s degree in Finance, Business Administration, Economics, or a related discipline.
• 10 - 15 years of experience in business/merchant lending, SME banking, or fintech credit, with regional leadership exposure within a commercial bank
• Proven track record of scaling large loan books while maintaining strong portfolio quality.
• Strong understanding of cash flow-based lending, credit risk management, and portfolio optimization.
• Demonstrated experience leading multi-layered commercial teams.
• Strong commercial judgment, strategic thinking, and execution capability.
• Excellent stakeholder management, negotiation, and leadership skills.
• Highly performance-driven with a strong ownership mindset.

Benefits

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