SME Credit Associate at Nomba (Formerly Kudi)

• Nomba is looking for passionate and goal-driven SME Loan Officers to drive customer acquisition, onboard merchants onto the Nomba platform, mobilize deposits, and disburse loans to new and existing SME clients. The ideal candidate will play a key role in deepening market penetration, supporting financial inclusion, and driving the growth of our loan and liability portfolio.

Key Responsibilities

Merchant Acquisition & Onboarding

• Identify and prospect SME businesses within assigned territory (markets, high streets, clusters, etc.).
• Educate prospects about Nomba’s offerings and onboard them onto the platform.
• Guide merchants through digital and KYC onboarding processes.

Loan Sales

• Promote and sell Nomba’s SME loan products to onboarded and existing merchants.
• Assess loan applicants, gather required documents, and conduct preliminary credit evaluations.
• Liaise with the credit team to ensure timely disbursement and follow-through.

Deposit Mobilization

• Drive liability generation through savings, collections, and merchant float accounts.
• Encourage usage of the Nomba platform to deepen engagement and wallet share.

Relationship Management

• Maintain and grow a portfolio of SME customers by building strong relationships.
• Monitor customers’ business health and loan performance.
• Conduct routine visits and ensure customer satisfaction.

5. Compliance and Reporting

• Ensure all loan documentation is accurate and complete.
• Adhere strictly to credit policies and KYC/AML regulations.
• Submit daily, weekly, and monthly performance reports to supervisors.

Performance KPIs

• 15 New Quality SME merchants onboarded Monthly.
• N50M Monthly in loans booked (new & repeat).
• N20M Monthly liability generated per merchant.
• Portfolio quality (Max of 4% NPL ratio).
• 80% Retention and activity rate of onboarded merchants.

Requirements

• HND/B.Sc. in Business Administration, Finance, Marketing, or related field.
• Minimum of 4 - 5 years field experience in SME banking, microfinance and or fintech.
• Proven ability to generate leads, close sales, and manage relationships.
• Knowledge of basic credit and risk assessment.
• Familiarity with digital onboarding tools and loan apps is a plus.
• Strong interpersonal and communication skills.
• Self-motivated, goal-oriented, and able to work under pressure.

Desired Skills and Experience

• Minimum of 4 - 5 years field experience in SME banking, microfinance and or fintech.
• Proven ability to generate leads, close sales, and manage relationships.
• Knowledge of basic credit and risk assessment.
• Familiarity with digital onboarding tools and loan apps is a plus.
• Strong interpersonal and communication skills.
• Self-motivated, goal-oriented, and able to work under pressure.