About this role

Location: Lagos (Hybrid)

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.

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.
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.

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.

Not Specified.

Portfolio Growth Officer