Relationship Manager – Business Banking (Fintech)

TL;DR

Relationship Manager – Business Banking (Fintech): Driving merchant and business lending sales and growing the loan book profitably across assigned segments with an accent on loan origination, portfolio management, and POS adoption. Focus on prospecting SME deals, ensuring healthy repayment behavior, and leveraging payment solutions for credit assessment.

Location: Hybrid (Lagos, Ibadan, Owerri, Calabar, Benin City, Nigeria)

Company

A pioneering mobile banking institution specializing in extending credit to emerging markets, primarily operating in Nigeria.

What you will do

• Originate and close merchant and SME loan deals across sectors including FMCG, Electronics, and Retail.
• Manage end-to-end loan sales execution: prospecting, on-boarding, credit documentation, and disbursement coordination.
• Build and maintain a high-quality loan book, ensuring strong utilization and minimal delinquency.
• Drive adoption of POS terminals to enable lending and transaction visibility for merchants.
• Monitor daily, weekly, and monthly KPIs across loan disbursement and portfolio quality.
• Track market and competitor lending trends to provide strategic insights for product and pricing strategies.

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 and merchant underwriting.
• Experience acquiring and managing a lending portfolio of at least N2B+.
• Proven track record of loan book growth and sales target achievement.
• Excellent communication, negotiation, and relationship management skills.

Culture & Benefits

• Private Health Insurance.
• Performance Bonus.
• Comprehensive Pension Plan.
• Opportunities for Training & Development.

Hiring process

• 30-minute screening call with the recruitment team.
• 30-60 minute technical interview with the hiring manager.