About the Role
FairMoney is a leading digital financial platform in Nigeria dedicated to empowering businesses with instant access to financial solutions. We are currently looking for a dynamic and results-driven Senior Relationship Manager for Business Banking to join our team in Calabar. In this pivotal role, you will spearhead merchant and business lending sales, driving portfolio growth, loan origination, and transaction-led merchant engagement through our offline and online payment solutions.
Key Responsibilities- Originate and close merchant and SME loan deals across key regional sectors including FMCG, retail chains, electronics, and fashion.
- Manage end-to-end loan sales execution, covering prospecting, onboarding, credit documentation, and post-disbursement monitoring.
- 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 maintain robust underwriting standards while achieving aggressive regional lending targets.
- Drive the adoption of offline payment solutions like POS terminals to enhance credit assessment and transaction visibility.
- Conduct regular merchant visits to monitor performance, mitigate early risks, and unlock new lending opportunities.
- Bachelor's Degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
- Minimum of 8 years of proven experience in merchant lending, SME lending, business banking, or fintech credit sales.
- Demonstrated experience acquiring and managing a lending portfolio valued at N2 billion and above.
- Strong command of cashflow-based lending, merchant underwriting, and loan portfolio management.
- Exceptional communication, negotiation, and relationship management skills with a commercial mindset.
- Comprehensive private health insurance.
- Competitive performance bonuses.
- Reliable pension plan integration.
- Continuous training and professional development opportunities.