Relationship Officer

Role Overview

The Relationship Officer is part of the Sales team at NairaPoint Finance Limited, responsible for acquiring, onboarding, and managing customers for loan products (assets) and Fixed Deposit products (liabilities), as well as cross-selling savings and investment products.

Responsibilities

• Achieve a monthly sales target of ₦250 million in loans and ₦250 million in Fixed Deposits.
• Prospect and acquire new borrowers through field visits, referrals, calls, and presentations.
• Mobilize Fixed Deposits from individuals, SMEs, corporates, and high-net-worth prospects.
• Cross-sell savings, investment, and wealth management products to existing customers.
• Maintain a sales pipeline and report on leads, conversions, loan disbursements, deposit inflows, and progress against targets.
• Guide customers through loan application, KYC, and documentation requirements.
• Assess loan applications, conduct credit risk analysis, and evaluate repayment capacity.
• Prepare credit reports and recommend approval or decline decisions.
• Coordinate with Credit, Risk, and Operations teams for timely loan processing.
• Build and maintain strong customer relationships to drive repeat business and retention.
• Monitor repayment schedules, follow up on delinquent accounts, and support portfolio quality.
• Ensure compliance with CBN regulations, KYC/AML, and company ethics.
• Represent products transparently and submit sales activity reports.

Requirements

• Minimum of HND or Bachelor's Degree in Finance, Banking, Economics, Business Administration, Marketing, or related discipline.
• Professional certification (e.g., CIBN, ACCA, ICAN, or credit/sales certification) is an added advantage.
• 4–8 years of experience in sales, lending, credit analysis, or relationship management in a microfinance bank, finance house, bank, or fintech.
• Strong knowledge of loan, savings, and investment products, credit risk analysis, and fintech operations.
• Proven track record of meeting or exceeding high-value sales targets.
• Existing network of SMEs or salary earners in Lagos is an added advantage.
• Highly target-driven and able to deliver high-value targets under pressure.
• Strong sales, persuasion, and negotiation skills.
• Sound credit analysis and excellent customer relationship management skills.
• Integrity and professionalism in handling customer information and company funds.
• Attention to detail, resilience, and comfort with CRM tools and mobile apps.

Salary

• Base salary plus performance-based commission.

How to Apply Interested and qualified candidates should send their CV to hr@nairapoint.ng using the Job Title as the subject of the email.