# Business Manager, Retail SME

**Company:** [Access Bank PLC](http://jobs.workable.com/companies/jU5uuADvabUAgH2TVVPaCN.md)
**Location:** Benue-Plateau, Nigeria
**Workplace:** on site
**Employment type:** Full-time
**Department:** Retail Banking

[Apply for this job](http://jobs.workable.com/view/2468566b-8d82-4b2f-ba10-1ca5489cdf13)

## Description

**Job Grade:** SBO - DM

**Job Overview:** Responsible for business/team growth, profitability, sales, service delivery, and personnel management in line with assigned budgets and the Access Way.

**Job Location**: Open to all states within Nigeria.

**Key Responsibilities**

-   Drive SME portfolio growth through targeted acquisition strategies
-   Conduct market and industry scans to identify viable SME opportunities
-   Build and maintain a strong pipeline of qualified SME prospects
-   Manage relationships with key SME clients (top-tier and growth accounts)
-   Drive customer engagement through physical and digital channels
-   Improve customer retention and wallet share growth
-   Review, structure, and recommend SME credit facilities
-   Manage the SME loan portfolio to ensure quality and performance
-   Lead and supervise SME Relationship Officers/Account Officers
-   Conduct periodic performance reviews and coaching sessions
-   Drive achievement of loan, deposit, and revenue targets
-   Monitor profitability, cost-to-income ratio, and cost of risk
-   Prepare and present SME unit performance reports (weekly/monthly)
-   Contribute to budget planning and execution
-   Collaborate with Risk, Credit, Operations, and other stakeholders
-   Foster a high-performing SME-focused sales culture

## Requirements

**Skills/Competencies**

_Required Knowledge, Skills and Abilities:_

-   At least 2 years in a supervisory or team lead role
-   Strong understanding of SME products, credit processes, and portfolio management
-   In-depth knowledge of credit risk analysis, financial statement interpretation, and lending regulations
-   Good understanding of key SME sectors (trade, manufacturing, services, agriculture, etc.)
-   Strong credit and financial analysis skills
-   Strong business development and management capability
-   Ability to structure and negotiate SME credit facilities
-   Strong customer relationship management skills

_Generic Skills_

-   Excellent communication and presentation skills
-   Proven ability to lead, motivate, and develop teams
-   Strong problem-solving and decision-making skills
-   Conflict resolution and team-building skills
-   High level of initiative, accountability, and ownership

**Qualifications & Experience**

-   A good first degree in any discipline. A Masters’ degree and/or professional qualification will be an added advantage
-   At least 6–8 years’ experience in banking, with strong exposure to SME sales, and relationship management, including at least 2 years in a supervisory/team lead role.