Business Development Officer - SME (Loans)

 About Carbon

We are a digital Tier 1 Unit microfinance bank. Our mission is to provide accessible and affordable financial services to individuals and businesses across Nigeria. We leverage technology to meet the evolving needs of individual customers and SMEs, driving financial inclusion and economic growth. We offer a wide range of banking services, including savings, loans, and payment solutions, all designed to simplify banking for modern Nigerian customers.

At Carbon, we are:

 Passionate: We love what we do and have an ownership mentality.

Resourceful: We make do with what we have. Not wasteful

Intelligent: We are forever learning to better ourselves, constantly experiencing & testing to understand the problem space better

Maverick: We try the unconventional, question widely held assumptions.

Executor: We get shit done. No excuses

Data-Driven: Rigorous in using data for decisions, experiments to test assumptions and hypothesis 

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 3 years of work experience in SME banking/lending, underwriting, sales, or business development

within the financial services industry.

• Minimum of a Higher National Diploma (HND) in a related field (e.g., finance, business, economics)


• 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.

Recruitment process

• Call with People team


• Case Study ( Assessment)


• Interview

Benefits

• Commission based on loan disbursement (% of loan value)