# Relationship Manager - Business Banking

> FairMoney · Lagos, Nigeria (Hybrid) · Full-time · Posted 2026-01-12

**Workplace:** hybrid

**Department:** Sales

## Description

**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](https://www.youtube.com/watch?v=qJAvPHdpRD0).

The 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.
-   6–8 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.

## Apply

[Apply at FairMoney](https://apply.workable.com/fairmoney/j/9A6A0510DC/apply)

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