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SME Relationship Manager at Renmoney, Lagos, Nigeria

Responsibilities:

• Client Acquisition & Sales: Develop and execute acquisition strategies to identify, onboard, and grow new SME clients while driving loan origination targets.
• Relationship Management & Retention: Maintain strong, long-term relationships with SME clients through regular business reviews, proactive engagement, and high-quality service delivery.
• Credit Assessment & Underwriting Support: Evaluate prospective clients’ business operations, financial stability, and creditworthiness to determine suitability for lending.
• End-to-End Deal Execution: Guide clients through loan requirements and manage the end-to-end application and documentation process for timely approval.
• Cross-Functional Collaboration: Partner with cross-functional stakeholders to ensure efficient loan processing and disbursement.
• Portfolio Performance & Risk Management: Monitor loan portfolio performance to proactively detect emerging credit risks, manage repayment concerns, and identify cross-selling opportunities.
• Compliance & Risk Control: Ensure all commercial activities, client engagements, and documentation strictly adhere to internal policies, risk guidelines, and regulatory requirements.
• Market Intelligence & Reporting: Track industry trends and competitor activities to inform commercial strategies, providing regular performance insights and pipeline updates to management.

• Bachelor’s degree in Finance, Business Administration, Economics, or a related field, with 4–5 years of experience in relationship management, lending, or sales within financial services; ideally serving SME clients.
• Proven success in meeting or exceeding loan origination, sales, and portfolio growth targets through proactive client acquisition and cross-selling.
• Strong knowledge of SME lending, financial statement analysis, credit risk assessment, and loan structuring to evaluate business creditworthiness accurately.
• Excellent negotiation and communication skills, with a track record of partnering effectively with internal teams (Credit, Risk, Operations) to ensure seamless deal execution and disbursement.
• Proficiency in using pipeline management tools to track sales activities and monitor portfolio performance.