Relationship Manager - Business Banking

FairMoney is building the leading mobile bank for emerging markets. We started with a digital microcredit application on Android, and currently roll out additional financial services (current account, savings, debit card) while expanding the product to Western Africa and South-East Asia. We are recruiting to fill the position below:

Job Title: Relationship Manager - Business Banking

Location: Calabar, Cross River (Hybrid) 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: 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.