# Portfolio Growth Officer

**Company:** [FairMoney](https://jobs.workable.com/companies/ccBaMMxRfjDf538cTRNwaZ.md)
**Location:** Lagos, Nigeria
**Workplace:** hybrid
**Employment type:** Full-time
**Department:** Sales

[Apply for this job](https://jobs.workable.com/view/3f98e98f-4043-4b31-84c3-4134431e825f)

## Description

**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](https://www.youtube.com/watch?v=qJAvPHdpRD0).

**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.