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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in relationship management and merchant business diagnostics, with a strong focus on driving customer activation and sustainable repayment management. Proficient in coordinating cross-functional teams to resolve operational blockers and enhance portfolio performance.
Highest-signal resume keywords
Relationship ManagementSME LendingCustomer ActivationField SalesPortfolio Management
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Business DiagnosisRepayment ManagementCommercial Viability AssessmentKYC ComplianceDocumentation ManagementCredit Risk AssessmentExcel ProficiencyCRM Systems UsagePerformance Tracking
Soft Skills
Communication SkillsNegotiation SkillsRelationship-BuildingProblem-SolvingObjection Management
Certifications & Qualifications
Bachelor’s DegreeHND in BusinessHND in FinanceHND in EconomicsHND in Marketing
Industry Keywords
Merchant BusinessesWorking-Capital CyclesField ExecutionEarly-Stage RepaymentsDelinquency Management
About the role
Key responsibilities & impact- 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
What you’ll need- 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.
Benefits
Comp & perks- Private Health Insurance
- Performance Bonus
- Pension Plan
- Training & Development