Relationship Manager - Business Banking - Calabar

Job title : Relationship Manager - Business Banking - Calabar

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.