Senior Relationship Manager - Business Banking

About the role

FairMoney is seeking a Senior Relationship Manager to lead merchant and business lending sales in Nigeria. The role focuses on growing a profitable loan book across key merchant segments while integrating offline payment solutions.

Key responsibilities

• Originate and close merchant and SME loan deals across sectors such as FMCG, electronics, fashion, retail and building materials.
• Manage the full loan sales cycle: prospecting, onboarding, credit documentation, disbursement coordination and post‑disbursement monitoring.
• Build and maintain a high‑quality loan portfolio with strong utilization, repayment performance and low delinquency.
• Drive repeat borrowing and upsell opportunities within existing merchant portfolios.
• Collaborate with credit and risk teams to ensure sound underwriting while meeting aggressive targets.
• Monitor KPIs on loan disbursement, portfolio quality and repayment, and provide market insights to improve product strategy.
• Promote adoption of POS terminals to enable transaction visibility and support credit assessment.

Required profile

• Bachelor’s degree in Sales, Marketing, Finance, Business Administration or related field.
• 8+ years of experience in merchant lending, SME lending, business banking or fintech credit sales.
• Proven track record of loan book growth and achievement of sales targets.
• Strong commercial mindset, results‑driven and execution focused.

Required skills

• Deep understanding of cash‑flow based lending and merchant underwriting.
• Experience managing a lending portfolio of at least N2 billion.
• Excellent communication, negotiation and relationship management abilities.

What we offer

• Private health insurance
• Performance bonus
• Pension plan
• Training and development opportunities