Relationship Manager, Business Banking

We are a CBN-licensed microfinance bank backed by one of Africa's leading payments companies. We give growing businesses one place to collect payments, hold and grow their money, access credit, and pay or get paid across borders. Thousands of businesses already rely on our group's payments platform every day. We are now extending that relationship into full business banking.

The Relationship Manager, Business Banking, builds and manages a profitable portfolio of SME relationships. The work has two sources:

• Moving existing payment merchants into full banking relationships with us.
• Acquiring new SMEs who will run their daily transactions through the bank.

The role is measured on three outcomes: deposit mobilisation, quality SME lending growth, and international payments adoption. Relationship depth is the lever for all three.

• Convert existing payment merchants into banking customers: open accounts, move settlements and daily collections to the bank, and make us their primary operating account.
• Prospect, onboard, and activate new SMEs in key sectors, including FMCG, mobile and electronics, fashion, household goods, building materials, retail chains, and service businesses.
• Drive transaction activity across all collection channels (transfers, online payments, POS) so the bank sees each customer's daily cash flow.
• Coordinate KYC/KYB documentation and account activation, ensuring full compliance with regulatory and internal onboarding standards.

• Grow current account, savings, and term deposit balances across the portfolio.
• Increase float and average balances by deepening wallet share and cutting leakage to other banks.
• Meet or exceed assigned deposit volume, low-cost funding mix, and account growth targets.

• Originate and close SME and merchant loans, including working capital, inventory finance, and cash-flow-based facilities, using transaction data to support credit decisions.
• Own the end-to-end loan process: prospecting, credit documentation, working with credit and risk, disbursement coordination, and post-disbursement monitoring.
• Build and manage a high-quality loan book with strong utilisation, healthy repayment, and minimal delinquency.
• Drive repeat borrowing and up-sell to strong performers in the portfolio.

• Identify customers with cross-border needs, such as importers, exporters, and businesses paying foreign suppliers or receiving foreign currency.
• Drive adoption of international collections, FX, and cross-border payment solutions, and grow related volumes and revenue.

• Track daily, weekly, and monthly KPIs across deposits, lending, portfolio quality, transaction volumes, and international payments.
• Visit customers regularly to deepen relationships, spot risks early, and find cross-sell opportunities.
• Feed market, competitor, and customer insights back to product, pricing, and credit teams.
• Keep an accurate pipeline and customer record in the CRM.

• Deposit balances and growth, including low-cost deposit mix
• Number of merchants transitioned and new SMEs acquired and activated
• Transaction volume and value processed through the bank
• Loan volume, value, and portfolio growth
• Portfolio quality (PAR, repayment rate, delinquency)
• International payments volume and revenue
• Products per customer (cross-sell ratio)

• Bachelor's degree in Finance, Banking, Business Administration, Economics, Marketing, or a related field.
• 8+ years' cumulative experience in commercial, business, or SME banking, including direct relationship management at a bank. Prior banking experience is required.
• Proven track record of managing an SME lending portfolio of at least ₦2B, with strong repayment performance.
• Demonstrated success in deposit mobilisation and meeting balance-sheet targets.
• Strong grasp of cash-flow-based lending, SME credit analysis, and portfolio management.
• Exposure to trade, FX, or international payments products is a strong advantage.
• An existing SME network in one or more of the target sectors is an advantage.
• Commercially sharp, results-driven, and focused on execution.
• Excellent communication, negotiation, and relationship management skills.