Senior Commercial Relationship Officer

Company Description

Finance Incorporated Limited was established in 2012 and licensed as a financial institution to carry out payment services. During past years, the company created different products under different brands. As a financial institution, the concept behind Finance Incorporated is to bring together various services from separate disciplines to create a financial gateway, where the clients could reach many services with one click.

Finance Incorporated is being managed by a diverse Board of Directors and executives where new ideas are fused with robust governance and controls, valuing strict oversight and transparency whilst never ceasing to innovate and develop.

Our Team, Our Company, Our Home is the motto of Finance Incorporated Limited. We value and support each other in every way we can. 

Key Responsibilities

• Lead business development and acquire new clients across a broad range of sectors, including financial services, fintech, e-commerce, professional services, technology, and other strategically aligned industries.
• Contribute to commercial growth by sourcing and qualifying prospective clients through various introducer channels, referral networks, corporate service providers, professional advisers, strategic partners, and other business development initiatives, while maintaining a strong pipeline of opportunities.
   
• Build, manage and forecast a commercial pipeline aligned with business strategy and risk appetite. 
• Represent the company at industry events and develop strategic referral partnerships. 
• Oversee prospect engagement, throughout the sales and onboarding journey, including the reactivation of dormant opportunities and the progression of applications through onboarding. 
• Act as the primary commercial contact for strategic prospects and high-value clients, supporting them from initial engagement through account activation and ongoing relationship management. 
• Drive client retention, transactional growth, and cross-selling and upselling opportunities. 
• Collaborate closely with Onboarding, Risk, Client Monitoring and MLRO functions to ensure efficient client acquisition and ongoing compliance. 
• Gather and analyse market intelligence, competitor activity and client feedback to support commercial planning and product development. 
• Ensure all activities comply with AML/CFT requirements, regulatory obligations and internal policies. 
• Assess prospect suitability against risk criteria and escalate compliance or reputational concerns where required. 
• Maintain accurate records and provide regular reporting on pipeline performance, conversions, portfolio health and commercial activities. 
• Lead commercial analyses, support management information requests, and provide guidance and mentoring
  to junior team members. 
• Act as deputy to the Head of Commercial when required. 

Requirements

• Degree in Business, Finance, Banking, Economics, Marketing or a related field.
• 4+ years’ experience in relationship management, account management, business development or financial services.
• Experience managing commercial client relationships and complex client needs.
• Payments and financial services products.
• KYC/KYB and regulatory requirements.
• Account management, commercial pricing and client lifecycle processes.
• Excellent relationship-building and negotiation skills.
• Strong commercial and analytical skills.
• Excellent communication and presentation.
• Problem-solving and decision-making skills.
• Strong stakeholder management.

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