Relationship Manager - Business Banking
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Fairmoney Microfinance Bank seeks a Relationship Manager to grow merchant and SME lending in Akwa Ibom. The role covers loan origination, portfolio quality, repayment performance, merchant engagement and POS payment adoption, with at least eight years of relevant experience required.
- At least 8 years in merchant lending, SME lending, business banking or fintech credit sales.
- Manage lending from prospecting and onboarding through post-disbursement monitoring.
- Grow merchant loan books, repayment performance and POS transaction volumes.
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Fairmoney Microfinance Bank seeks a Relationship Manager to grow merchant and SME lending in Akwa Ibom. The role covers loan origination, portfolio quality, repayment performance, merchant engagement and POS payment adoption, with at least eight years of relevant experience required.
- At least 8 years in merchant lending, SME lending, business banking or fintech credit sales.
- Manage lending from prospecting and onboarding through post-disbursement monitoring.
- Grow merchant loan books, repayment performance and POS transaction volumes.
- Partner with credit and risk teams on underwriting and portfolio quality.
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- Required8+ years of relevant experienceThe job post includes a minimum experience signal.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in sales, retail, financeThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Akwa IbomThe vacancy is associated with this location.
- UnclearComfort with the Other contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Relationship Manager - Business Banking evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Fairmoney Microfinance Bank and the role in Akwa Ibom.
- Add concrete examples related to sales, retail, finance, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Workable; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Workable
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Relationship Manager - Business Banking role in sales, retail?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Akwa Ibom under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Fairmoney Microfinance Bank before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
The Senior Relationship Manager – Business Banking is primarily 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 aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.
Key Responsibilities
- Merchant & Business Lending:
- Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
- Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets.
- Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region.
- Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
- Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
- Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios.
- Portfolio, Performance & Market Management:
- Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.
- Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions.
- Actively drive to meet and exceed lending and payments performance targets.
- Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities.
- Offline Payments Acquiring:
- Grow regional transaction volume, value, and revenue in alignment with lending objectives.
- Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required.
- Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility.
- Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking.
Requirements
- 8+ years of experience in merchant lending, SME lending, business banking, or fintech credit sales.
- Excellent communication, negotiation, and relationship management skills.
- Proven track record of loan book growth and sales target achievement.
- Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management.
- Bachelor’s Degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
- Experience acquiring and managing a lending portfolio of a minimum of N2B+
- Highly results-driven, commercially minded, and execution-focused.
- Benefits
- Private Health Insurance
- Performance Bonus
- Pension Plan
- Training & Development.
- How to Apply
- Interested and qualified candidates should:
- Click here to apply online
- Recruitment Process
- A screening call with a member of the recruitment team for 30 minutes.
- Technical interview with the hiring manager for 30 to 60 minutes.
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