Relationship Officer

AI summary

Fairmoney Microfinance Bank is hiring a Relationship Officer in Badagry to drive merchant acquisition, build strong commercial relationships, and grow a portfolio of business clients. The role is field-driven, targeting high-potential businesses and new market expansion. Candidates should have commercial sales experience, independence, and a strong results orientation.

• Field-driven commercial role focused on merchant acquisition and portfolio growth
• Opportunity to explore new territories and expand into new markets
• Requires experience in sales, relationship building, and commercial target achievement
• Hybrid work setup with focus on independent execution and ownership

Original source description

We want people who can look at a market, understand what is happening, develop their own approach and execute. This role is not for someone who needs a detailed playbook for every situation. This is a commercial, field-driven role for people who know how to find opportunities, build strong business relationships and turn those relationships into results. We are looking for Relationship Managers to join our Growth team. You will be responsible for developing new business, growing and managing a portfolio of merchants, expanding into new markets and making sure the businesses you bring on are businesses we can build with for the long term. What You’ll Do Identify and acquire high-potential businesses within assigned markets and territories. Build and maintain strong commercial relationships with business owners and decision-makers. Develop your own pipeline through field prospecting, referrals, market mapping, networking and other acquisition channels. Develop and execute strategies to achieve acquisition, revenue and portfolio targets. Explore new territories and identify opportunities for market expansion. Work closely with internal teams to ensure a smooth customer experience: from onboarding through ongoing portfolio management. Identify businesses that are commercially attractive and suitable for our financing solutions. Consistently meet or exceed agreed performance targets. Keep accurate records of customer activity, opportunities, pipeline and portfolio performance. Understand each merchant's business, operating model, cash flow, needs and growth opportunities. Monitor the health and performance of your portfolio and take action when you identify risks. Use data and market intelligence to make better commercial decisions. Own the relationship from acquisition through portfolio growth and ongoing engagement. How Success Will Be Measured Your performance will ultimately come down to the quality and growth of the business you build. Key measures will include: Overall commercial contribution. Quality of pipeline and conversion New customer acquisition Market expansion Revenue and business generated Customer retention and relationship growth Target achievement Portfolio growth Portfolio quality and repayment performance What We’re Looking For You should have experience: selling something of meaningful financial or commercial value and building relationships with the people who buy it. We care less about the title on your previous business card and more about what you have actually done. You could come from banking, fintech, lending, payments, FMCG, B2B sales, merchant acquisition or another commercially demanding environment. More importantly, you should be someone who: Is open-minded, curious and willing to change their approach when a better one becomes available. Can work independently while knowing when to seek support. Takes ownership without waiting to be told what to do. Enjoys entering new markets and figuring out how to win. Responds well to feedback and actively looks for ways to improve. Is resilient and does not fold when things become difficult. Has high standards for themselves and follows through on commitments. Understands that acquiring a business is only valuable if the business is worth acquiring. Is comfortable with numbers and can speak confidently about their own performance. Is comfortable creating their own strategy when the path is not obvious. Is commercially ambitious and motivated by achieving meaningful results. Cares about the success and interests of the merchants they work with. Can turn conversations and relationships into actual business results. What Will Set You Apart: Evidence that you have succeeded in difficult or highly competitive markets. A proven record of consistently exceeding commercial targets. A strong network of business owners or commercial decision-makers. Experience: opening or growing a new territory or market. Experience: working with SMEs or business owners. Experience: building a portfolio from scratch. Experience: in lending, credit, payments or financial services. Strong understanding of how businesses operate and make money. What We Don’t Want This role will not be a good fit if you: Resist feedback or new ideas. Depend heavily on leads being handed to you. Need constant supervision before taking action. Prioritise acquisition volume without considering customer or portfolio quality. Cannot demonstrate meaningful commercial results from previous roles. Struggle to take responsibility when things go wrong. Confuse being friendly with being commercially effective. Give up quickly when a market becomes difficult. Are uncomfortable working in the field. How to Apply Interested and qualified candidates should: Click here to apply online View all Jobs in Nigeria Relationship Officer job vacancies in Nigeria