Job Title: Relationship Manager (Consumer Banking)

Location: Lagos, Nigeria
Employment Type: Full-time

About Us

At Earnipay, we are redefining financial services for business and individuals in Nigeria. Through our digital-first banking solutions, we provide seamless credit access, high-yield savings, and payment tools that empower our customers to grow their wealth and achieve financial security.

We are building a high-performing team of Relationship Managers to drive customer acquisition, deposits, and credit adoption.

Role Overview

We are seeking an ambitious and results-driven Relationship Manager to spearhead customer engagement and sales for our credit and savings products. This role is a hybrid of relationship management and direct sales, requiring you to identify, onboard, and grow our customer base by:

• Closing deals on credit for individuals.

• Acquiring deposits for our high-yield savings product.

• Cultivating long-term relationships to drive customer retention.

This is a high-impact role for a professional who thrives in a fast-paced, target-driven environment and is motivated by direct customer interactions and business growth.

Key Responsibilities

Sales & Customer Acquisition

• Sell our credit products: Proactively identify and engage potential customers, guiding them through the loan application and approval process.

• Drive deposits into savings: Educate and onboard customers onto our savings products, ensuring they actively fund their accounts.

• Execute offline sales strategies: Leverage physical touchpoints such as community events, business networking, and referrals to acquire high-value customers.

• Meet and exceed sales targets: Consistently achieve deposit and credit disbursement goals set by the company.

Relationship & Account Management

• Develop and nurture key relationships: Build strong relationships with individuals, entrepreneurs, and professionals who can benefit from our credit and savings products.

• Customer retention & engagement: Follow up with customers post-loan disbursement or deposit activation to ensure satisfaction and encourage further engagement.

• Provide tailored financial solutions: Understand each customer's financial needs and recommend suitable banking solutions.

Market Intelligence & Reporting

• Gather customer insights: Report on market trends, customer pain points, and competitive activities to improve product-market fit.

• Maintain accurate sales records: Track customer interactions, applications, and deposits in the CRM system.

• Collaborate with internal teams: Work closely with product, risk, and customer support teams to ensure seamless customer experiences.

Who You Are

• A natural salesperson with strong persuasion skills and the ability to close deals quickly.

• Someone who thrives in face-to-face sales environments and enjoys engaging with potential customers in-person.

• A highly motivated professional with a proven track record in sales, preferably within financial services, fintech, or banking.

• An excellent communicator who can simplify complex financial products for customers.

• Resilient and results-driven, comfortable with meeting aggressive sales targets.

Qualifications & Experience

• 2+ years of experience in sales, relationship management, or business development, preferably in banking, fintech, lending, or wealth management.

• Proven ability to close deals, particularly in loan origination and deposit mobilization.

• Strong networking skills with the ability to acquire customers through referrals and offline engagements.

• Familiarity with the Nigerian financial services landscape and regulatory requirements.

• Ability to work independently while hitting targets.

Compensation & Benefits

• Competitive base salary + performance-based commission.

• Access to financial services and benefits as an employee.

• Pensions

• Health insurance

• Growth opportunities in a rapidly scaling neobank.

• A dynamic, entrepreneurial, and supportive work environment.