SME Hub Manager

ROLE: SME HUB MANAGER

Job summary

The SME Hub Manager is responsible for establishing, leading, and growing the Microfinance Bank’s presence within the assigned Lagos markets. The role functions as a market-based branch equivalent, with full accountability for revenue generation, loan disbursement, investment mobilization, customer acquisition, brand visibility, and operational planning within the assigned hub.

Responsibilities:

• Drive continuous on-ground activation, relationship building, and strategic visibility initiatives (market storms, trade associations, merchant clusters, cooperative engagements).

• Build and maintain strong relationships with market leaders, associations, landlords, trade unions, and key influencers.

• Serve as the Bank’s first point of contact for SMEs, traders, and institutional partners within the hub.

• Own and deliver monthly, quarterly, and annual revenue targets for the assigned hub.

• Drive deposit mobilization across SME accounts, current accounts, savings, and fixed/term investments.

• Grow fee-based income through account usage, digital channels, POS deployment, collections, and value-added services.

• Actively cross-sell the Bank’s full product suite to customers within the hub.

• Drive healthy loan origination in line with approved products, sectors, and risk appetite.

• Ensure high-quality loan sourcing, documentation, and pre-screening prior to credit review.

• Monitor loan performance within the hub and proactively manage delinquency, early warning signals, and recoveries.

• Lead the sourcing and management of investment funds, including fixed deposits and structured investment products.

• Build long-term relationships with high-value customers, cooperatives, and associations for recurring investments.

• Ensure compliance with investment documentation, tenor management, and maturity planning.

• Plan, structure, and manage the day-to-day operations of the SME Hub as a mini-branch.

• Oversee and build the workforce the hub, including recommendations for Sales Officers, DSAs, Relationship Officers, and support staff.

• Supervise assigned staff, agents, or DSAs operating within the hub, ensuring productivity, discipline, and performance delivery.

• Ensure efficient utilization of resources allocated to the hub.

• Deliver a high-quality, responsive, and professional customer experience despite the absence of a physical branch.

• Resolve customer complaints promptly and escalate issues in line with the Bank’s service framework.

• Ensure customer onboarding, documentation, and KYC standards are strictly adhered to.

• Track and report hub performance across revenue, loans, investments, customer acquisition, and portfolio quality.

• Submit regular market intelligence, competitor insights, and performance updates to management.

• Maintain accurate records of all hub activities in line with internal reporting requirements.

• Ensure full compliance with internal policies, regulatory guidelines, and CBN requirements.

• Enforce KYC, AML/CFT, and customer due diligence standards within the hub.

• Identify operational, credit, and reputational risks and escalate appropriately

Requirements:

• First degree in a relevant field.

• Minimum of 7 years in branch or hub management across financial sales, preferably within the banking or financial sector.

• Experience in Microfinance Banking is a MUST.

• Hands-on experience in building and managing large loan portfolios