Portfolio Growth Officer

FairMoney, a credit-led mobile banking platform operating in Nigeria, is hiring a Portfolio Growth Officer in its Sales team. Your primary role will be to convert inactive merchant accounts and unused credit capacity into a healthy, revenue-generating portfolio, rebuilding merchant engagement, supporting genuine financing needs, encouraging repeat usage and maintaining acceptable repayment quality

Job Details

• Location: Lagos, Nigeria (Hybrid)
• Employment Type: Full-time
• Department: Sales

Key Responsibilities

• Own assigned zero-utilised, dormant, suspended, underutilised and growth-potential merchants as the primary relationship manager
• Diagnose inactivity by reviewing each merchant's business condition, financing needs, facility usage, repayment history, restrictions and previous engagement
• Prioritise commercially viable merchants and execute reactivation plans that drive first drawdown, repeat usage and sustainable utilisation
• Conduct targeted field visits to verify businesses, rebuild relationships and resolve issues requiring physical intervention
• Coordinate with Retention, Operations, Credit and Risk to resolve KYC, documentation, repayment-instrument and account-restriction blockers
• Manage early-stage repayments, escalate delinquency under approved DPD rules and suspend utilisation activity where credit concerns exist
• Maintain accurate portfolio records, protect merchant information and prevent token drawdowns, artificial inactivity resets and control breaches

Requirements

• Bachelor's degree or HND in Business, Finance, Economics, Marketing or a related discipline
• At least 3 years experience in relationship management, field sales, SME lending, portfolio management or financial services
• Good understanding of merchant businesses, working-capital cycles, customer activation and repayment management
• Demonstrated ability to diagnose customer problems, manage objections and convert opportunities into measurable commercial outcomes
• Strong communication, negotiation, relationship-management and field-execution skills
• Ability to use Excel, CRM systems and performance trackers accurately
• Willingness to travel regularly and work across assigned commercial territories

Performance Will Be Assessed Through

• Reactivation of zero-utilised and dormant merchants
• First and repeat drawdown conversion
• Sustainable growth in utilised balances and collected revenue
• Repayment quality following reactivation
• Speed and quality of blocker resolution
• Reduction in repeated inactivity across the assigned portfolio
• Accuracy of records, field productivity and compliance with approved controls

Benefits

• Private health insurance
• Performance bonus
• Pension plan
• Training and development

Recruitment Process

• Screening call with a member of the recruitment team (30 minutes)
• Technical interview with the hiring manager (30 to 60 minutes)

How to Apply

Follow the link below