FairMoney is building a leading mobile banking platform for emerging markets. The company started with a digital microcredit application on Android and has expanded its financial services to include current accounts, savings and debit cards, while growing its presence across Western Africa and South-East Asia.
Job Title: Senior Relationship Manager – Business Banking
Company: FairMoney
Location: Kaduna
Work Mode: Hybrid
Industry: Fintech / Financial Services
Job Description
The Senior Relationship Manager – Business Banking is responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
The role combines loan origination, disciplined portfolio management and transaction-led merchant engagement through online and offline payment solutions, including POS. Relationship management is leveraged to drive lending penetration, utilisation and repayment performance.
Key Responsibilities
Merchant and Business Lending
- Originate and close merchant and SME loan deals across key sectors, including FMCG, mobile and electronics, fashion, household goods, building materials and retail chains.
- Own end-to-end loan sales execution, including prospecting, onboarding, credit documentation, disbursement coordination and post-disbursement monitoring.
- Build, grow and actively manage a high-quality loan book, ensuring strong utilisation, healthy repayment behaviour and minimal delinquency.
- Drive repeat borrowing and loan upselling by deepening lending penetration within existing merchant portfolios.
- Work closely with Credit and Risk teams to ensure quality underwriting while meeting lending targets.
- Achieve and exceed assigned loan volume, loan value and portfolio growth targets for the region.
Portfolio, Performance and Market Management
- Monitor daily, weekly and monthly KPIs across loan disbursement, portfolio quality, repayment and transactions.
- Drive performance to meet and exceed lending and payments targets.
- Conduct regular merchant visits to drive loan performance, address risks early and identify new lending opportunities.
- Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.
Offline Payments Acquiring
- Drive adoption of offline payment solutions, including POS terminals, as an enabler for lending and transaction visibility.
- Ensure lending merchants actively process transactions through POS to support credit assessment and repayment tracking.
- Monitor merchant activity, follow up on inactive terminals and coordinate POS retrieval where required.
- Grow regional transaction volume, value and revenue in alignment with lending objectives.
Requirements
- Bachelor’s Degree in Sales, Marketing, Finance, Business Administration or a related discipline.
- Minimum of 8 years of experience in merchant lending, SME lending, business banking or fintech credit sales.
- Strong understanding of cashflow-based lending, merchant underwriting and loan portfolio management.
- Experience acquiring and managing a lending portfolio of at least ₦2 billion.
- Proven track record of loan book growth and sales target achievement.
- Highly results-driven, commercially minded and execution-focused.
- Excellent communication, negotiation and relationship management skills.
Benefits
- Private Health Insurance.
- Performance Bonus.
- Pension Plan.
- Training and Development opportunities.
Recruitment Process
- A 30-minute screening call with a member of the recruitment team.
- A 30 to 60-minute technical interview with the hiring manager.
How to Apply
Interested and qualified candidates should apply online through the official recruitment portal.
Application Link: Click here to apply online
Application Closing Date: Not Specified.