Portfolio Growth Officer

Job Summary

• The Portfolio Growth Officer will be responsible for managing and growing an assigned portfolio of inactive, dormant, underutilised, and growth-potential merchants.
• The role involves identifying the reasons for inactivity, resolving customer challenges, driving credit facility utilisation, and building sustainable merchant relationships.
• The successful candidate will focus on reactivating existing merchants and increasing portfolio utilisation, rather than acquiring new customers.

Responsibilities

• Manage assigned inactive, dormant, suspended, underutilised, and growth-potential merchant accounts.
• Identify reasons for merchant inactivity and develop appropriate reactivation strategies.
• Drive first and repeat drawdowns while ensuring sustainable utilisation of approved credit facilities.
• Build and maintain strong relationships with assigned merchants through regular communication and targeted field visits.
• Assess merchants’ business conditions, financing needs, facility usage and repayment history to identify growth opportunities.
• Conduct field visits to verify businesses, strengthen merchant relationships, and resolve issues requiring physical intervention.
• Work with Credit, Risk, Operations and Retention teams to resolve KYC, documentation, repayment and account-related issues.
• Monitor early-stage repayments and escalate delinquent accounts in line with approved procedures.
• Maintain accurate records of merchant activities, portfolio performance and customer interactions.
• Identify opportunities to improve portfolio revenue, merchant retention and repeat utilisation.
• Ensure all portfolio activities comply with company policies, credit controls and operational procedures.

Requirements

• Bachelor’s Degree or HND in Business, Finance, Economics, Marketing or a related discipline.
• Minimum of 3 years’ experience in relationship management, field sales, SME lending, portfolio management, or financial services.
• Good understanding of merchant businesses, working-capital needs, customer activation and repayment management.
• Strong customer relationship management, communication, negotiation, and problem-solving skills.
• Demonstrated ability to manage customer objections and convert opportunities into measurable business outcomes.
• Proficiency in Microsoft Excel, CRM systems, and performance tracking tools.
• Ability to work independently in a target-driven environment.
• Willingness to travel regularly and work across assigned commercial territories.
• Key Performance Indicators
• Successful reactivation of inactive and dormant merchants.
• First and repeat drawdown conversion.
• Growth in utilised balances and portfolio revenue.
• Maintaining good repayment quality after merchant reactivation.
• Effective and timely resolution of customer and account-related issues.
• Reduction in repeated merchant inactivity.
• Accurate portfolio records and compliance with approved processes.

Benefit
N50,000 transport allowance.