Portfolio Growth Officer

About the company

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures.

In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents.**FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities. **To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch an informative video.

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.

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.

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.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development

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.