About the Role
FairMoney is a leading digital financial platform in Nigeria, empowering businesses and individuals with instant loans and innovative financial services. We are looking for a dynamic and results-driven Senior Relationship Manager to join our Business Banking team in Abuja. In this pivotal role, you will spearhead merchant and SME lending sales, driving the profitable growth of our loan portfolio while leveraging offline payment solutions to ensure robust transaction visibility and repayment performance.
Key Responsibilities- Originate, structure, and close merchant and SME loan deals across key retail and commercial sectors including FMCG, electronics, fashion, and building materials.
- Manage the complete loan lifecycle from prospecting, onboarding, and credit documentation to disbursement coordination and post-disbursement monitoring.
- Build and actively oversee a high-value loan portfolio of N2B+, ensuring strong utilization, high repeat borrowing rates, and minimal delinquency.
- Collaborate closely with credit and risk teams to maintain disciplined underwriting standards while achieving aggressive regional lending targets.
- Drive the adoption of offline payment solutions (POS terminals) as a catalyst for transaction-led merchant engagement and credit assessment.
- Conduct regular market visits to monitor merchant health, identify potential risks early, and uncover 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 in acquiring and managing a lending portfolio of N2B+ with a strong track record of target achievement.
- Deep expertise in cashflow-based lending, merchant underwriting, and comprehensive portfolio management.
- Exceptional communication, negotiation, and stakeholder management skills.
- Comprehensive private health insurance coverage.
- Competitive performance-based bonuses.
- Reliable pension plan contributions.
- Continuous professional training and development opportunities.