Small & Medium Scale Enterprise (SME) Officer

Polaris Bank Limited | Full time

Small & Medium Scale Enterprise (SME) Officer

Job Information Department Name Retail Banking Hiring Manager Talent Acquisition Date Opened 13/08/2026 Job Opening Status In-progress Job Type Full time Industry Banking Work Experience 1-3 years City Abia, Anambra, Ebonyi, Enugu, Imo. Province Anambra Country Nigeria Postal Code 100001

About Us

Polaris Bank Limited is a Tier II Nigerian bank that was established by the Central Bank of Nigeria (CBN) on September 21, 2018 to offer commercial banking services, the bank commenced services on the same day, having purchased the assets, and assumed certain of the liabilities, of the defunct Skye Bank.

We cater to both individuals and corporate entities through carefully designed Retail, SME, Commercial, Corporate banking as well as products for Government MDAs. We also offer self-service/digital channels offerings leveraging technology to bring banking closer to the customer.

The Bank is a market leader in Revenue Collection, both in the public and private sectors, with collection mandates in about 30 of 36 states in Nigeria including Lagos State.

We are a key player in financial inclusion and are poised to take banking to the doorsteps of our customers; taking care of the banking needs of different categories of persons and businesses.

Polaris Bank enjoys significant brand loyalty from its diverse customer base across demographics, industries and sectors.

Job Description

Job Purpose

Drive business growth within the SME segment through customer acquisition, relationship management, credit origination, portfolio management, and the delivery of tailored banking solutions, while ensuring compliance with regulatory and risk standards.

Key Responsibilities

• Acquire and onboard SME customers to grow the business portfolio.
• Develop and maintain strong relationships with SME clients, identifying opportunities for cross-selling and enhanced customer value.
• Assess customer financing needs, prepare credit proposals, and monitor loan portfolio performance.
• Drive growth in loans, deposits, and non-interest revenue in line with assigned targets.
• Ensure compliance with credit, operational, KYC/AML, and regulatory requirements.
• Monitor market trends, competitor activities, and emerging business opportunities within the SME sector.
• Collaborate with internal stakeholders to deliver efficient customer service and operational excellence.
• Key Performance Indicators (KPIs)
• SME customer acquisition and retention
• Loan and deposit portfolio growth
• Revenue and profitability performance
• Cross-sell and product penetration rates
• Portfolio quality (PAR/NPL management)
• Credit processing turnaround time
• Compliance and audit ratings

Requirements

• Qualifications &

Experience

• Bachelor’s degree in finance, Economics, Business Administration, Accounting, or a related field.
• 2-5 years' experience in SME, Commercial, or Business Banking, Sales, or Relationship Management.
• Experience in customer acquisition, credit analysis, and portfolio management.