Portfolio Growth Officer

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.