Moneyfield Microfinance Bank Limited, one of the leading MFBs licensed by the Central Bank of Nigeria, began business operations in February 2011 to offer risk asset, financial advisory, and investment management services. A subsidiary of Capitalfield Investment Group Limited (CIGL), Moneyfield MFB serves over 45,000 customers and strives to maintain outstanding relationships while offering value-adding financial products targeted at developing micro-enterprise policies.

We are recruiting to fill the position below:

Job Title: SME Marketer

Location: Lagos
Employment Type: Full-time
Unit – SME Marketing
Reporting To – Regional Head (SME Marketing)

Job Summary

• The SME Marketing Officer is responsible for driving business growth through the acquisition, development, and management of Small and Medium Enterprise (SME) customers within an assigned market or territory.
• The role focuses on achieving approved liability generation and quality risk asset targets by mobilizing deposits, originating quality credit facilities, growing customer relationships, and promoting the Bank’s products and services.
• The Marketing Officer is accountable for managing assigned customer portfolios, ensuring excellent portfolio quality through effective monitoring and timely recoveries, maintaining Portfolio at Risk (PAR) at or below the Bank’s approved threshold, minimizing Non-Performing Loans (NPL), and delivering sustainable revenue and profitability in compliance with the Bank’s policies, regulatory requirements, and service standards.

Job Description
Business Development & Customer Acquisition:

• Identify, prospect, and acquire new SME customers within the assigned territory.
• Develop and execute sales plans to achieve assigned business targets.
• Build and maintain a healthy pipeline of prospective customers.
• Conduct market mapping and identify business opportunities across key sectors.
• Build relationships with business owners, trade associations, cooperatives, and other potential business sources.
• Promote the Bank’s products and services to prospective and existing customers.

Liability Generation:

• Mobilize deposits through current accounts, savings accounts, fixed deposits, and other liability products.
• Achieve assigned liability generation targets.
• Increase CASA balances by attracting and retaining low-cost deposits.
• Develop strategies to retain deposit customers and grow account balances.

Risk Asset Generation:

• Source and originate quality credit facilities for eligible SME customers.
• Conduct preliminary customer and business assessments before recommending credit facilities.
• Gather and verify customer information and supporting documentation.
• Prepare complete and accurate credit applications for processing.
• Work with Credit Risk and Credit Administration to facilitate timely loan approvals and disbursements.
• Ensure facilities booked comply with the Bank’s credit policy and lending guidelines.

Portfolio Management, Collections & Recoveries:

• Manage assigned customer portfolios to ensure satisfactory performance.
• Monitor customer repayment performance and identify early warning signals.
• Maintain Portfolio at Risk (PAR) at or below the Bank’s approved threshold.
• Ensure Non-Performing Loans (NPL) remain within approved limits.
• Follow up on overdue obligations and implement recovery actions promptly.
• Conduct regular post-disbursement monitoring visits.
• Escalate delinquent accounts in line with the Bank’s recovery procedures.

Customer Relationship Management:

• Build and maintain strong, long-term relationships with assigned customers.
• Conduct regular customer visits to understand customers’ business needs and identify growth opportunities.
• Provide timely responses to customer enquiries and resolve service issues.

Product Marketing & Cross-Selling:

• Cross-sell the Bank’s products and services to existing customers.
• Promote digital banking channels and electronic payment solutions.
• Encourage customers to adopt additional banking products based on their business needs.
• Increase product penetration within the assigned customer portfolio.

Credit Monitoring & Risk Management:

• Conduct periodic business visits to monitor customers’ operations and repayment capacity.
• Ensure timely submission of monitoring reports.
• Monitor collateral and security documentation where applicable.
• Promptly report adverse changes affecting customers’ businesses.
• Support recovery efforts on delinquent accounts.

Compliance & Operational Excellence:

• Ensure compliance with the Bank’s credit policies, operational procedures, and service standards.
• Ensure proper completion of customer onboarding documentation.
• Comply with CBN regulations and guidelines, AML/CFT requirements, KYC standards, and other applicable statutory and regulatory requirements.
• Maintain confidentiality and integrity of customer information.
• Ensure all transactions are processed accurately and ethically.

Reporting & Administration:

• Prepare and submit weekly, and monthly business activity reports.
• Maintain accurate records of customer visits, business opportunities, and pipeline activities.
• Track performance against assigned business targets.
• Provide timely market intelligence and competitor information.

Qualifications & Requirements

• Bachelor’s Degree in Banking & Finance, Accounting, Economics, Business Administration, Marketing, Finance, or any other related discipline.
• Minimum of 5 years’ experience in Business Development, SME Banking, Commercial Banking, Marketing, Relationship Management, or a similar role.
• Demonstrated experience in liability generation and risk asset creation.
• Experience in credit origination, customer acquisition, and portfolio management.

Skills and Competencies:
Technical Expertise and Behavioral Competencies:

• Business Development
• SME Banking
• Liability Generation
• Deposit Mobilization
• CASA Growth
• Risk Asset Generation
• Credit Appraisal
• Relationship Management
• Portfolio Management
• Collections & Recoveries
• Cross-Selling
• Negotiation
• Market Intelligence
• CRM Systems
• Commercial Acumen
• Customer Focus
• Results Orientation
• Integrity
• Accountability
• Relationship Building
• Communication Skills
• Negotiation Skills
• Resilience
• Initiative
• Problem Solving
• Time Management

Application Closing Date
30th September, 2026.