Business Development Officer - SME (Loans) at Carbon Nigeria

Carbon is a pan-African digital bank with a mission to provide friction-free finance to its customers. Carbon promises to play a fundamental role in its customers’ lives wherever they are, with flexible solutions. We pride ourselves on our efficiency and with just $10mm of equity raised in 2015, we have disbursed over $100m in loans and earned more than $30mm in revenue over the last 2 years. Carbon has operations in Ghana, Kenya, and Nigeria, supported by a talented team spread between Lagos, Nairobi, London, Argentina, and Palo Alto so we operate with a remote-first mindset. 

We are recruiting to fill the position below:

Job Title: Business Development Officer - SME (Loans)

Location: Lagos
Employment Type: Full-time  

About the Role

• We are seeking an experienced Business Development professional with a background in SME banking/lending and a proven track record of deal flow particularly in the retail and healthcare sectors for a contract position.
• The successful candidate will be primarily responsible for identifying new business opportunities and loans, building relationships, and driving growth for Carbon Business.

Responsibilities

• Identify and pursue new business opportunities in the SME sector, particularly in retail and healthcare
• Develop and maintain relationships with potential clients, including SME owners, entrepreneurs, and business professionals.
• Develop and maintain a strong pipeline of deals, meeting monthly and quarterly targets
• Conduct preliminary credit investigations to analyze applicants’ willingness and repayment capacity to determine the feasibility of granting loans.
• Initiate and partner with reputable organizations to facilitate lending to their customers.
• Collaborate with internal stakeholders, including credit analysts and loan officers, to assess the creditworthiness of potential borrowers and structure loan proposals.
• Monitor and manage existing loan portfolios to ensure timely repayment and mitigate credit risk.
• Meet or exceed sales targets and contribute to the overall growth and profitability of Carbon Business.
• Prepare and submit regular reports on business development activities, pipeline status, and performance metrics.

Requirements

• Minimum of a Higher National Diploma (HND) in a related field (e.g., Finance, Business, Economics)
• Minimum of 3 years of work experience in SME banking/lending, underwriting, sales, or business development within the financial services industry.
• Proven track record of successfully sourcing and closing business loans, particularly in the retail and healthcare sectors.
• Ability to work independently and as part of a team in a fast-paced, dynamic environment as well as meet deadlines
• Strong analytical skills and attention to detail.

Application Closing Date
Not Specified.