SME Team Lead

Responsibilities:

• Establish Assets MFB as a visible, trusted, and preferred financial partner within the assigned market or cluster.
• Drive continuous on-ground activation, relationship building, and strategic visibility initiatives(market storms, trade associations, merchant clusters, cooperative engagements).
• Build and maintain strong relationships with market leaders, associations, landlords, trade unions, and key influencers.
• Serve as the Bank’s first point of contact for SMEs, traders, and institutional partners within the hub.
• Own and deliver monthly, quarterly, and annual revenue targets for the assigned hub.
• Drive deposit mobilisation across SME accounts, current accounts, savings, and fixed/term investments.
• Grow fee-based income through account usage, digital channels, POS deployment, collections, and value-added services.
• Actively cross-sell the Bank’s full product suite to customers within the hub.
• Drive healthy loan origination in line with approved products, sectors, and risk appetite.
• Ensure high-quality loan sourcing, documentation, and pre-screening prior to credit review.
• Monitor loan performance within the hub and proactively manage delinquency, early warning signals, and recoveries.
• Work closely with the Bank’s Credit Risk and other internal teams to ensure the loan turnaround time and portfolio quality.
• Lead the sourcing and management of investment funds, including fixed deposits and structured investment products.
• Build long-term relationships with high-value customers, cooperatives, and associations for recurring revenue investments.
• Ensure compliance with investment documentation, tenor management, and maturity planning.
• Plan, structure, and manage the day-to-day operations of the SME Hub as a mini-branch.
• Oversee and build the workforce of the hub, including recommendations for Sales Officers, DSAs, Relationship Officers and support staff.
• Supervise assigned staff, agents, or DSAs operating within the hub, ensuring productivity, discipline, and performance delivery.
• Ensure efficient utilisation of resources allocated to the hub.
• Deliver a high-quality, responsive, and professional customer experience despite the absence of a physical branch.
• Resolve customer complaints promptly and escalate issues in line with the Bank’s service framework.
• Ensure customer onboarding, documentation, and KYC standards are strictly adhered to.
• Track and report hub performance across revenue, loans, investments, customer acquisition, and portfolio quality.
• Submit regular market intelligence, competitor insights, and performance updates to management.
• Maintain accurate records of all hub activities in line with internal reporting requirements.
• Ensure full compliance with internal policies, regulatory guidelines, and CBN requirements.
• Enforce KYC, AML/CFT, and customer due diligence standards within the hub.
• Identify operational, credit, and reputational risks and escalate appropriately

Requirements:

• Minimum of 7 years in branch or hub management across financial sales, preferably within the banking or FinSec.
• Experience in Microfinance Banking is a MUST.
• Hands-on experience in building and managing large loan portfolios
• Minimum of a BSc.