About the Role
FairMoney is a leading digital financial platform in Nigeria, empowering businesses and individuals with instant access to loans, payment solutions, and banking services through our innovative mobile and web platforms. We are currently expanding our commercial banking footprint and seeking a dynamic and results-driven Senior Relationship Manager to join our Business Banking team in Lagos.
Key Responsibilities- Drive end-to-end merchant and SME loan sales across key retail sectors including FMCG, electronics, fashion, and building materials.
- Manage the complete loan lifecycle from prospecting, credit documentation, and disbursement coordination to post-disbursement monitoring.
- Build and actively oversee a high-value loan portfolio of N2B+, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
- Collaborate closely with risk and credit teams to ensure prudent underwriting while aggressively meeting regional growth targets.
- Promote offline payment solutions such as POS terminals to enhance transaction visibility, credit assessment, and repayment tracking.
- Conduct regular merchant visits to monitor portfolio health, mitigate early risks, and identify opportunities for up-selling and repeat borrowing.
- Bachelor's degree in Finance, Business Administration, Marketing, Economics, or a related field.
- Minimum of 8 years of proven experience in fintech credit sales, SME lending, merchant acquisition, or business banking.
- Demonstrated success in managing a substantial lending portfolio with a strong track record of portfolio growth and target achievement.
- Deep expertise in cash-flow-based lending, merchant underwriting, and delinquency management.
- Exceptional negotiation, communication, and stakeholder management skills with a strong commercial mindset.
- Comprehensive private health insurance coverage.
- Competitive performance-based bonuses.
- Contributory pension plan.
- Continuous professional training and career development opportunities.