Jobs at FairMoney

Job Summary

• As the State Head - (Aggregator Network), you are the CEO of the region, responsible for regional performance and individual state performance under your purview.
• You must be self-driven, result oriented and most importantly a team player. You are primarily responsible for shaping and driving your region's growth strategy to correctly position it within landscape in Nigeria by working with the Director of Aggregator Business in cementing the FairMoney strategy of becoming the largest neobank in Nigeria.

Roles and Responsibilities

• Source for new clients and expand client network in the retail marketplace (Agents and consumers)
• Develop and maintain market dominance by ensuring acquisition, retention and Month on Month growth in acquisition and loan conversion in each market segment
• Drive corporate strategy in Schools, Markets, Partnerships with OFIs/Super Agents/ Aggregators and Agricultural value chain
• Sign up and maintain relationship with value chain actors
• Monitor regional performance, staff and consumer behavior and provide market intelligence to the team
• Proper Branding and training of Agents/Consumers and partners
• Comply with rules, regulations and legislation governing the financial services industry
• Motivate, mentor and supervise regional staff for delivery of FairMoney corporate objective
• Consistently deliver monthly OKR
• Any other responsibility as may be assigned by the Director of Aggregator Business.

Requirements

• A Bachelor's degree in any relevant discipline
• 6 to 8 years of experience in the Agency Banking business
• Must have an android phone
• Proven experience managing a high performance sales team
• Ability to motivate a team of Sales Managers to achieve high performance
• Extremely flexible, result oriented and, hardworking with a strong track record of success
• Good communication and interpersonal skills
• Customer orientation and ability to adapt/respond to different characters.

Benefits

• Private Health Insurance
• Pension Plan
• Paid Time Off
• Work From Home
• Training & Development
• Performance Bonus.

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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
• Pension Plan
• Paid Time Off
• Work From Home
• Training & Development
• Performance Bonus.