SME Relationship Manager

About the role

The SME Relationship Manager will drive acquisition and growth of small‑and‑medium enterprise clients for Renmoney in Lagos, focusing on loan origination and portfolio management. You will act as the primary point of contact, ensuring high‑quality service and compliance throughout the lending process.

Key responsibilities

• Develop and execute acquisition strategies to identify, onboard, and grow new SME clients while meeting loan origination targets.
• Maintain long‑term relationships through regular business reviews, proactive engagement, and high‑quality service delivery.
• Evaluate prospective clients’ business operations, financial stability, and creditworthiness to support underwriting decisions.
• Guide clients through loan requirements and manage the end‑to‑end application and documentation process for timely approval.
• Collaborate with cross‑functional teams (Credit, Risk, Operations) to ensure efficient loan processing and disbursement.
• Monitor portfolio performance, detect emerging credit risks, manage repayment concerns, and identify cross‑selling opportunities.
• Ensure all activities comply with internal policies, risk guidelines, and regulatory requirements.
• Track industry trends and competitor activities to inform commercial strategies and provide regular performance insights to management.

Required profile

• Bachelor’s degree in Finance, Business Administration, Economics or related field.
• 4–5 years of experience in relationship management, lending or sales within financial services, preferably serving SME clients.
• Proven track record of meeting or exceeding loan origination, sales and portfolio growth targets.
• Strong knowledge of SME lending, financial statement analysis, credit risk assessment and loan structuring.
• Excellent negotiation and communication skills with a history of effective partnership with internal teams.
• Proficiency in using pipeline management tools to track sales activities and monitor portfolio performance.

Required skills

• Pipeline management tools
• Financial statement analysis
• Credit risk assessment