Relationship Manager – Digital Product at Sage Grey Technologies – Lagos

Sage Grey Technologies is recruiting a Relationship Manager – Digital Product in Lagos, Lagos State. The role will manage digital lending, savings and investment product growth, client acquisition and strategic financial relationships.

Description

• The Relationship Manager for Digital Products is responsible for driving the growth, profitability, and market penetration of the Company’s digital lending, savings, and investment products.
• This includes digital lending solutions such as personal loans, salary-backed loans, payday loans, public sector loans, and SME working capital facilities.
• The role is responsible for originating and managing high-value lending and deposit relationships across retail, SME, public sector, cooperative, and institutional segments through the Company’s digital channels and partnerships.
• The role also serves as a key interface between the Company and external stakeholders, including corporates, cooperatives, public sector institutions, strategic partners, and ecosystem players to drive business opportunities and deepen market presence.
• The role is central to scaling the Company’s digital lending and deposit business by improving acquisition efficiency, strengthening conversion across digital funnels, and ensuring effective onboarding and engagement of customers.

Key Responsibilities

The Relationship Manager for Digital Products shall be responsible for, but not limited to, the following:

Digital Products (Lending)

• Drive the growth and adoption of the Company’s digital lending products including personal loans, salary-backed loans, payday loans, public sector loans, SME credit facilities, group loans and other digitally enabled credit products.
• Source and onboard quality loan customers through digital acquisition channels including online campaigns, digital partnerships, social media, email, SMS and referral channels.
• Build and manage a strong digital loan sales pipeline, ensuring effective lead generation, follow-up, conversion and portfolio growth.
• Execute customer acquisition and conversion strategies targeted at retail, salary earners, SMEs, cooperatives and public sector customers.
• Drive customer acquisition and growth across the Company’s digital savings, investment and deposit products.
• Promote and market digital investment and deposit solutions through the Company’s electronic and digital channels.
• Ensure customer and transaction records are complete, accurate, and compliant with internal credit policies and regulatory guidelines.
• Collaborate with Legal, Compliance, and Risk teams to ensure full KYC/AML checks and policy adherence.
• Build, manage, and deepen strategic relationships with corporates, cooperatives, public sector institutions, aggregators, fintech partners, and other ecosystem stakeholders to drive digital lending and deposit opportunities.
• Lead business development meetings, stakeholder engagements, product presentations, and partnership discussions with clients and external parties.
• Work closely with Credit Risk, Operations and Compliance teams to ensure timely processing, disbursement and administration of approved facilities.
• Identify opportunities for cross-selling loan products to existing customers across the Company’s digital ecosystem.
• Ensure all lending activities are aligned with the Company’s credit policies, risk framework, and regulatory requirements.

KPI

Target / Measure

• Number of Customers Onboarded (Loans) : ≥ 100 customers monthly
• Value of Loan Disbursed: ≥500 million monthly
• Number of Customers Onboarded (Deposits & Investment): ≥ 100 customers monthly
• Value of Deposits: ≥500 million monthly
• Non-Performing Loan (NPL) Ratio: ≤ 5% of portfolio
• Loan Sales Conversion Rate: ≥ 80% of loan applications converted to approved disbursements
• Compliance Adherence: 100% alignment with internal & regulatory standards
• Internal Stakeholder Satisfaction: ≥ 90% rating in quarterly surveys
• Customer Satisfaction (Digital & Credit Services): M≥ 85% rating in quarterly surveys

Qualifications and Experience

• Bachelor’s degree in Finance, Economics, Business Administration, or related discipline.
• 4–8 years of experience in digital banking, credit sales or business development within a financial institution.
• Knowledge of electronic banking products, digital lending platforms, and credit processes.
• Strong understanding of financial analysis, customer relationship management, and sales techniques.
• Solid understanding of lending dynamics, particularly within the Nigerian market.