About the Role
FairMoney, Nigeria's leading digital financial platform, is looking for a dynamic and results-driven Senior Relationship Manager to join our Business Banking team in Cross River. In this critical role, you will champion merchant and SME lending, expand our regional loan portfolio, and drive transaction-led growth through our innovative payment solutions. If you possess a strong background in fintech credit sales and a passion for empowering businesses, we invite you to apply.
Key Responsibilities- Originate and close merchant and SME loan deals across diverse sectors including FMCG, retail chains, electronics, and building materials.
- Manage end-to-end loan sales execution, encompassing prospecting, onboarding, credit documentation, and post-disbursement monitoring.
- Build and actively oversee a high-performing loan book, ensuring robust utilization, healthy repayment behavior, and minimal delinquency.
- Drive the adoption of offline payment solutions like POS terminals to enhance credit assessment, transaction visibility, and merchant engagement.
- Conduct regular field visits to monitor merchant performance, mitigate early risks, and uncover new lending opportunities.
- Collaborate closely with credit and risk teams to maintain underwriting quality while aggressively meeting regional growth targets.
- 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 robust lending portfolio valued at N2 billion and above.
- Strong command of cash-flow-based lending, merchant underwriting, and portfolio management principles.
- Exceptional communication, negotiation, and relationship management capabilities.
- Comprehensive private health insurance coverage.
- Competitive performance-based bonuses.
- Reliable pension plan contribution.
- Continuous training, professional development, and career advancement opportunities.