Portfolio Manager

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 talents 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 informative video.

The Portfolio Manager will build and manage with effectiveness and efficiency a large portfolio of customers with the strict minimum risk acceptance level by selling the different products of the company. The Portfolio Manager remains responsible of the funds given out to clients in his portfolio as loans. He is also responsible of having a good relationship with Fairmoney’s clients and encourage them to buy all the products they are qualified for.

Key Responsibilities:

Pre-loan disbursement:

• Promote/Market FairMoney’s products to prospective clients by using all the channels possible
• Visit and evaluate potential clients businesses.
• Visit client’s personal house when it’s necessary.
• Visit co-debtor's, guarantor’s houses and businesses when it’s required.
• Analyze financial data of client’s businesses.
• Analysis of quantitative and qualitative data of client's businesses and households.
• Prepare loan documents for credit committee.
• Present loan files to credit committee.
• Enter Loan files in the MIS.
• Represent FairMoney towards all active and potential partners with dignity and pride.
• Fulfill all other necessary assignments by the institution.

Post-Loan Disbursement

• Conduct monitoring visits to business and households.
• Follow- up on day-to-day loan repayments.
• Manage loan recovery from active and written-off clients until full reimbursement is achieved.
• Assess the impact of loan before renewal.

• HND/Bachelor’s Degree in Sales and Marketing or related fields.
• A minimum of 4 years of experience in Loan Sales / Portfolio Management
• Ability to motivate a team of Sales Managers for performance.
• Extremely flexible, result-oriented, and hardworking with a strong track record of success.
• Ability to self-motivate and manage self.
• Good communication and interpersonal skills.
• High level of integrity.
• Dynamic and motivated and individuals who like to work outdoors.
• Target Driven.

• 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.