Sales Director – Business Banking at Fairmoney Microfinance Bank

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• Company:
• Location: Nigeria
• State:
• Job type: Full-Time
• Job category:
  

FairMoney is building the leading mobile bank for emerging markets. We started with a digital microcredit application on Android, and currently roll out additional financial services (current account, savings, debit card) while expanding the product to Western Africa and South-East Asia.
We Are Recruiting To Fill The Position Below
Job Title: Sales Director – Business Banking
Location: Ibadan, Oyo
Employment Type: Full-time (Hybrid)
Key Responsibilities
Regional Business & Merchant Lending Leadership (Primary Focus):

• Own and deliver state-wide merchant and SME lending targets, including loan volume, value, yield, and portfolio growth
• Define and execute regional lending strategies aligned with company-wide growth and risk objectives
• Drive large-scale loan origination across priority merchant sectors such as Health & Beauty, Electronics, Auto Parts, pharmacies, FMCG distributors, Hospitality, Retail chains and others
• Maintain oversight of portfolio performance, ensuring strong repayment behavior, controlled delinquency, and sustainable growth
• Provide strategic direction on ticket sizing, sector focus, and risk appetite based on regional market dynamics
• Leadership, People & Performance Management Lead and manage Relationship Managers, Senior Relationship Managers, and field sales teams across the state
• Set clear performance expectations and ensure consistent achievement of lending, revenue, and transaction KPIs
• Build a strong sales and portfolio management culture focused on loan book quality, accountability, and execution excellence
• Coach and develop team leads to improve loan sales effectiveness, portfolio discipline, and merchant engagement.
  

Strategic Merchant Relationships & Partnerships

• Own and manage strategic, high-value, and enterprise merchant relationships within the region
• Use senior-level engagement to unlock large-ticket lending opportunities, repeat borrowing cycles, and long-term partnerships
• Represent the company in key external engagements, partnerships, and stakeholder interactions within the state
  

Offline Payment Acquiring

• Ensure strong adoption and usage of offline payment solutions (POS) across lending merchants to drive transaction visibility
• Leverage transaction data to improve credit decision, monitoring, and early risk detection
• Oversee merchant activity trends and ensure proactive intervention where transaction declines pose credit risk
  

Risk, Governance & Market Intelligence

• Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks
• Work closely with Credit, Risk, and Collections teams to proactively manage portfolio health
• Monitor competitor activity, market trends, and sector risks, providing insights to senior leadership
• Escalate early warning signals and drive corrective actions to protect the loan book
  

Requirements

• Bachelor’s degree in Finance, Business Administration, Economics, or a related discipline
• 10 – 15 years of experience in business/merchant lending, SME banking, or fintech credit, with regional leadership exposure within a commercial bank
• Proven track record of scaling large loan books while maintaining strong portfolio quality
• Strong understanding of cash flow-based lending, credit risk management, and portfolio optimization
• Demonstrated experience leading multi-layered commercial teams
• Strong commercial judgment, strategic thinking, and execution capability
• Excellent stakeholder management, negotiation, and leadership skills
• Highly performance-driven with a strong ownership mindset.
  

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.
  

Application Closing Date
Not Specified.
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