Relationship Manager - Business Banking - Ibadan at FairMoney

The 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.


Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
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.
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.


Portfolio, Performance & Market Management


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.
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 (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.
Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when 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.
6 - 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 a minimum of N2B+
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.