Relationship Manager
Posted 6 Oct 2026
Advertised as “Senior Relationship Manager - Business Banking”
BranchFactor Summary
The original posting with the fluff stripped out
- Expected experience
- 8+ yrs
- Management level
- Individual contributor
- Contract
- Full-time
No salary listed for this role.
Field of studyBusiness Administration, Finance, Marketing, Sales (or related)
Study levelBachelor's
About the company
FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures.
In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents.**FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities.**To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative video.
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.
Requirements
- Bachelor’s degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
- 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.
Benefits
- Private Health Insurance
- Performance Bonus
- Pension Plan
- Training & Development
Recruitment Process:
- A screening call with a member of the recruitment team for 30 minutes.
- Technical interview with the hiring manager for 30 to 60 minutes.