Opportunity at
FairMoneySenior Relationship Manager - Business Banking
FairMoney is seeking a Senior Relationship Manager for Business Banking to expand its merchant and SME lending portfolio. Established in 2017, FairMoney operates a mobile banking…
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About This Role
FairMoney is seeking a Senior Relationship Manager for Business Banking to expand its merchant and SME lending portfolio. Established in 2017, FairMoney operates a mobile banking and point-of-sale platform serving emerging markets, backed by global investors such as Tiger Global, DST, and Flourish Ventures. The organization offers an array of financial products including current and savings accounts, debit cards, and payment solutions, supported by a diverse international team. This position…
Job Description
FairMoney is seeking a Senior Relationship Manager for Business Banking to expand its merchant and SME lending portfolio. Established in 2017, FairMoney operates a mobile banking and point-of-sale platform serving emerging markets, backed by global investors such as Tiger Global, DST, and Flourish Ventures. The organization offers an array of financial products including current and savings accounts, debit cards, and payment solutions, supported by a diverse international team.
This position centers on driving business lending sales and managing merchant portfolios profitably across assigned market segments. Candidates will handle the complete loan lifecycle from prospecting and credit documentation to disbursement and ongoing monitoring. The role requires regular in-person merchant visits to manage risk, encourage repayment performance, and promote the adoption of offline payment solutions like POS terminals to support credit assessments.
This opportunity suits commercial professionals with extensive experience in fintech credit sales, merchant lending, or business banking who excel at hitting aggressive growth targets. The recruitment process includes an initial screening call followed by a technical interview with the hiring manager.
Responsibilities
- Originating and closing merchant and SME loan deals across sectors such as FMCG, electronics, fashion, and retail
- Managing the end-to-end loan sales process from prospecting and onboarding to disbursement and post-disbursement monitoring
- Building and maintaining a quality loan book while ensuring utilization, healthy repayment behavior, and low delinquency
- Driving repeat borrowing and up-selling lending products within existing merchant portfolios
- Collaborating with credit and risk teams to maintain underwriting quality and meet regional volume and value targets
- Conducting regular merchant visits to monitor performance, identify risks early, and uncover new opportunities
- Promoting the adoption of POS terminals to facilitate transaction visibility and credit tracking
- Following up on inactive payment terminals and coordinating retrievals when necessary
Requirements
- Minimum of eight years of professional background in merchant lending, SME lending, business banking, or fintech credit sales
- Demonstrated experience in cashflow-based lending, merchant underwriting, and managing loan portfolios
- Documented history of acquiring and managing a lending portfolio valued at N2 billion or higher
- Proven success in growing loan books and achieving sales targets
Qualifications
- Bachelor degree in Sales, Marketing, Finance, Business Administration, or a related field
Core Skills
Benefits
- Private Health Insurance
- Performance Bonus
- Pension Plan
- Training & Development
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What does FairMoney do?
FairMoney is a mobile banking institution established in 2017 that specializes in extending credit, current accounts, savings, debit cards, and POS solutions to emerging markets.
What experience is required for this role?
Candidates must have at least eight years of experience in SME lending, merchant lending, business banking, or fintech credit sales, including experience managing a lending portfolio of a minimum of N2B+.
What benefits are offered?
The position includes a pension plan, private health insurance, training and development, and a performance bonus.
What does the hiring process involve?
The recruitment process consists of a thirty-minute screening call with a recruiter, followed by a technical interview with the hiring manager lasting between thirty and sixty minutes.
Is the work location or remote status specified?
The job posting does not specify a location or remote work policy, though it does mention that the role involves regular merchant visits.
Sample Interview Questions
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