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: Portfolio Growth Officer
Location: Lagos (Hybrid)
Job Description
We
are looking for a highly motivated and results-driven Portfolio Growth Officer
to join our team.
As
a Portfolio Growth Officer, your primary role will be to convert inactive
merchant accounts and unused credit capacity into a healthy, revenue-generating
portfolio. Success requires more than contacting merchants or completing
one-off drawdowns.
The
Officer must rebuild engagement, support genuine financing needs, encourage
repeat usage, and maintain acceptable repayment quality.
Roles and 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.
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.
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.
Benefits
Private
Health Insurance
Performance
Bonus
Pension
Plan
Training
& Development.
Application Closing Date
Not
Specified.
Method of Application
Interested
and qualified candidates should:
Click here to apply online
Recruitment Process
A
screening call with a member of the recruitment team for 30 minutes.
Technical
interview with the hiring manager for 30 to 60 minutes.
