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Relationship Manager - Business Banking - Calabar
FairMoney • Calabar
Posted: 20 October 2026Deadline: 3 November 2026
📋 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.
📝 Description
- •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.
- •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 Proces
- •A screening call with a member of the recruitment team for 30 minutes.
- •Technical interview with the hiring manager for 30 to 60 minutes.