Jobs at FairMoney Microfinance Bank

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.

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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.

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Role Summary

• The Regional Manager, Recovery is responsible for leading and overseeing all field recovery operations across the region, ensuring strong portfolio performance, reduced non-performing loans (NPLs), effective roll rate management, regulatory compliance, and high team productivity.

Key Responsibilities

• Develop and execute regional recovery strategies to reduce Portfolio at Risk (PAR) and improve recovery rates.
• Set regional targets, KPIs, and activity expectations for field teams.
• Oversee deployment of field resources, visit planning, skip tracing, and escalation processes.
• Drive portfolio roll rate reduction across all DPD buckets.
• Monitor regional portfolio performance and ensure timely recovery actions.
• Review and approve restructuring and settlement proposals within delegated authority.
• Ensure effective tracking of recovery activities using collections systems and dashboards.
• Ensure adherence to regulatory requirements and ethical collection standards.
• Oversee audits of field activities to prevent fraud and misconduct.
• Recruit, train, and manage Field Collections Agents, Team Leads, and Supervisors.
• Build a high-performance, accountable, and productivity-driven culture.
• Collaborate with Credit, Risk, Legal, Operations, and Customer Service teams.
• Provide regular performance reports and insights to senior management.
• Improve field recovery processes, SOPs, routing, and reporting frameworks.

Requirements

• Bachelor’s Degree in Business, Finance, Economics, Accounting, or related field (MBA or professional certification is an advantage).
• 6+ years of experience in field recovery within financial services/lending.
• 2–3+ years in a senior leadership or regional supervisory role.
• Strong knowledge of credit risk, delinquency management, and roll rate dynamics.
• Familiarity with regulatory frameworks and ethical collection practices.
• Proven leadership experience managing large, distributed field teams.
• Strong analytical, strategic thinking, and decision-making skills.
• Excellent communication, stakeholder management, and negotiation abilities.