About the Role
FairMoney, a leading digital financial platform in Nigeria, is looking for a dynamic and results-driven Senior Relationship Manager for Business Banking to join our expanding team in Akwa Ibom. In this pivotal role, you will champion merchant and business lending sales, expand our profitable loan portfolio, and drive transaction-led engagement using both online and offline payment solutions like POS.
Key Responsibilities- Originate and close merchant and SME loan deals across key sectors including FMCG, retail chains, fashion, and building materials.
- Manage end-to-end loan sales execution, from prospecting and onboarding to credit documentation and disbursement coordination.
- Build and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
- Collaborate closely with credit and risk teams to guarantee sound underwriting standards while achieving regional targets.
- Drive the adoption of offline payment solutions (POS terminals) to enhance credit assessment and transaction visibility.
- Conduct regular merchant visits to monitor performance, mitigate risks early, and uncover new lending opportunities.
- Bachelor's Degree in Sales, Marketing, Finance, Business Administration, or a related field.
- Minimum of 8 years of proven experience in merchant lending, SME lending, business banking, or fintech credit sales.
- Solid understanding of cashflow-based lending, merchant underwriting, and managing a loan portfolio of N2B+.
- Demonstrated track record of scaling loan books and consistently exceeding sales targets.
- Exceptional communication, negotiation, and relationship management capabilities.
- Comprehensive private health insurance coverage.
- Competitive performance bonuses.
- Reliable pension plan integration.
- Continuous professional training and development opportunities.