Relationship Manager - Business Banking - Lagos

About the Role

FairMoney is a leading digital financial platform in Nigeria, dedicated to empowering businesses and individuals with instant financial access. We are looking for a dynamic and results-driven Senior Relationship Manager to lead our Business Banking sales in Lagos, driving profitable loan portfolio growth and merchant engagement.

• Originate and close merchant and SME loan deals across diverse sectors including FMCG, retail, fashion, and electronics.
• Manage end-to-end loan sales execution from prospecting and credit documentation to disbursement and monitoring.
• Build and maintain a high-quality loan book, ensuring strong utilization, minimal delinquency, and healthy repayment behaviors.
• Collaborate closely with credit and risk teams to uphold quality underwriting while achieving aggressive regional targets.
• Drive the adoption of offline payment solutions such as POS terminals to enhance transaction visibility and support credit assessment.
• Conduct regular merchant visits to monitor performance, mitigate risks early, and identify new business opportunities.

• Bachelor's Degree in Sales, Marketing, Finance, Business Administration, or a related field.
• Minimum of 8 years of proven experience in merchant lending, SME lending, business banking, or fintech credit sales.
• Demonstrated experience in managing a lending portfolio of at least N2 billion with a strong track record of sales target achievement.
• Deep understanding of cash-flow-based lending, merchant underwriting, and loan portfolio management.
• Exceptional communication, negotiation, and relationship-management skills with a commercial mindset.

• Comprehensive private health insurance coverage.
• Competitive performance bonuses tied to portfolio milestones.
• Contributory pension plan and retirement benefits.
• Continuous professional development and training opportunities.

Skills