Вакансии

Location: Lagos, Nigeria The MIS Specialist will be responsible for operational reporting, data analysis, performance monitoring, and management insights across the Contact Centre. This role will ensure that accurate and timely data is available to monitor operational performance, identify trends and gaps, support staffing decisions, and improve overall customer experience and Contact Centre efficiency across Inbound Calls, Live Chat, Email, and social media. Requirements Key Responsibilities Operational Reporting & Data Management Prepare and deliver daily, weekly, monthly, and ad-hoc operational reports. Consolidate, validate, and reconcile data from multiple systems to maintain a single source of truth. Monitor and report on key performance indicators, including FCR, CSAT, NPS, AHT, Service Level, and Productivity. Automate recurring reports and streamline processes to reduce manual reporting activities. Performance & Customer Contact Analysis Analyze contact center performance by channel, team, agent, and issue type to uncover trends and performance gaps. Investigate significant anomalies and performance drops through root cause analysis to assess operational impact. Provide actionable insights and data to Team Leads and Managers to support coaching, performance management, and incentive calculations. Business Intelligence & Management Insights Develop and maintain dashboards that provide executive visibility into performance, workforce efficiency, and service delivery. Translate operational data into strategic management insights, highlighting emerging risks and opportunities for improvement. Prepare management reports and presentations for strategic stakeholder reviews. Support business cases, budgeting, and capacity planning through forward-looking data insights. Stakeholder Collaboration & Continuous Improvement Collaborate cross-functionally with internal teams to obtain and validate operational data. Translate stakeholder requirements into practical analytical and reporting solutions. Support initiatives involving new products, channels, or systems by providing impact assessments and workforce forecasts. Recommend and drive improvements to reporting processes and operational workflows based on data findings. Workforce Management & Planning Forecast contact center demand and determine staffing requirements based on historical trends, seasonality, and customer volumes. Develop and maintain staffing plans, shift schedules, and capacity models across all operational channels. Monitor staffing levels against actual demand to identify capacity gaps, overstaffing, or understaffing, and recommend adjustments. Track key workforce metrics, including occupancy, utilization, shrinkage, absenteeism, attrition, and schedule adherence. Qualifications & Experience 3–5 years' relevant experience in Contact Centre Analytics, Workforce Management, Operations Analytics, or Business Intelligence. Experience working in a high-volume Contact Centre environment, with an understanding of workforce planning and operational performance. Experience supporting multiple customer service channels, such as Voice, Email, Live Chat, and social media. Experience in fintech, banking, telecommunications, e-commerce, or another customer-focused industry is an advantage. Technical Skills & Core Competencies Advanced Microsoft Excel skills (Pivot Tables, XLOOKUP, Power Query) and proficiency in Power BI or equivalent dashboard tools. Experience using Contact Centre, CRM, telephony, or Workforce Management (WFM) systems. Solid understanding of Contact Centre operations, workforce metrics, KPIs, and forecasting methodologies. Strong analytical, problem-solving, and stakeholder communication skills, with the ability to translate data into actionable business insights.

Location: Lagos, Nigeria Who We Are We are a customer-focused financial services organization committed to integrity, operational excellence, and responsible growth. Our Risk & Compliance function plays a critical role in protecting customers, safeguarding company assets, and ensuring regulatory adherence across all operations. We operate in a fast-paced environment where vigilance, data-driven decision-making, and collaboration are essential to maintaining trust and preventing financial crime. About the Role The Fraud Intern will support the in monitoring transactions, investigating suspicious activities, and assisting with fraud prevention initiatives. This role provides hands-on exposure to fraud detection processes, case management, reporting, and regulatory compliance within a structured financial services environment. This is an opportunity for a detail-oriented and analytical individual to gain practical experience in fraud risk management and financial crime prevention. What You’ll Do Transaction Monitoring & Review Monitor customer transactions and system alerts to identify suspicious or unusual activities. Escalate potentially fraudulent cases to senior team members for further investigation. Assist in reviewing flagged accounts and documenting findings. Investigation Support Support preliminary fraud investigations by gathering relevant data and transaction history. Maintain accurate case documentation and update internal tracking systems. Assist with customer verification and follow-up where required. Reporting & Documentation Prepare daily and weekly fraud monitoring reports. Maintain proper records of fraud cases and resolutions. Support data analysis to identify fraud trends and patterns. Process Improvement & Compliance Assist in reviewing fraud prevention controls and procedures. Support implementation of updated fraud policies where required. Ensure adherence to internal controls and regulatory guidelines. Collaboration Work closely with Operations, Customer Service, Technology, and Risk teams. Participate in team meetings and contribute to fraud awareness initiatives. Requirements What You Bring Bachelor’s degree in Accounting, Finance, Economics, Business Administration, or a related field. Strong analytical and problem-solving skills. High attention to detail and accuracy. Basic understanding of fraud risk or financial crime concepts is an advantage. Proficiency in Microsoft Excel and other basic reporting tools. Strong written and verbal communication skills. Ability to handle sensitive information with confidentiality and integrity. Benefits What’s In It For You Hands-on experience in fraud detection and financial crime prevention within a regulated environment. Exposure to real-time transaction monitoring and investigative processes. Opportunity to work closely with experienced Risk and Compliance professionals. Practical understanding of internal controls, compliance, and fraud mitigation strategies. A structured learning environment that supports professional growth and career development.Top of FormBottom of Form

Location: Lagos, Nigeria What You Will Do Lead requirements gathering sessions with business and product stakeholders to understand business needs and objectives. Translate high-level business requirements into detailed functional and non-functional specifications. Analyze existing systems, processes, and workflows to identify opportunities for improvement and optimization. Design and document business processes, use cases, user stories, workflows, process maps, and system interactions. Develop solution proposals that balance business goals, customer experience, technical feasibility, scalability, and maintainability. Collaborate with Product Managers to refine requirements and define deliverable scope. Partner with Engineering teams to validate solution designs and ensure technical alignment before development begins. Identify edge cases, dependencies, technical risks, and implementation constraints early in the delivery lifecycle. Define and document APIs, integration requirements, data flows, and system interactions where required. Ensure solutions consider security, performance, scalability, reliability, and compliance requirements. Support engineering teams throughout development by clarifying requirements and resolving ambiguities. Facilitate communication between business and technical stakeholders to drive alignment and delivery success. Participate in sprint planning, backlog refinement, solution reviews, and release planning activities. Work closely with QA teams to ensure requirements are testable and acceptance criteria are clearly defined. Review implemented solutions to ensure they meet business expectations and documented requirements. Drive continuous improvements in analysis, documentation, and delivery processes. Requirements What You Bring Educational Qualification Bachelor's degree in Computer Science, Information Technology, Engineering, Mathematics, Business Information Systems, or a related discipline. Master's degree is an added advantage. Professional Certifications Certified Business Analysis Professional (CBAP) is an advantage. PMI Professional in Business Analysis (PMI-PBA) is desirable. Agile, Scrum, or Product-related certifications are an added advantage. System Design, Solution Architecture, or Technology-related certifications are beneficial. Experience Minimum of 5-8 years of experience in Systems Analysis, Business Analysis, Product Delivery, Solution Design, or related technology roles. At least 3 years working within software development environments using Agile methodologies. Experience within fintech, banking, financial services, or other high-growth technology-driven organizations. Hands-on experience documenting functional requirements, system specifications, workflows, and integrations. Experience collaborating directly with Engineering, Product, Architecture, and QA teams throughout the product development lifecycle. Benefits Opportunity to shape the future of fintech in Nigeria by helping deliver products that impact millions of customers. Ownership of solution design and requirement definition for high-impact digital initiatives. Exposure to modern technology platforms, product development practices, and innovative financial services solutions. Opportunity to work closely with Product, Engineering, Design, Data, and Executive Leadership teams. Continuous learning, mentorship, and professional development opportunities. Competitive compensation and the opportunity to solve challenging business and technology problems. A fast-paced, collaborative, and inclusive work environment where innovation is encouraged and growth is a priority. Competitive compensation.

Location: Lagos, Nigeria Who we are At Renmoney, we believe financial inclusion should be simple and human. We are building an agile, collaborative and excellence-driven team where people are encouraged to take ownership and make an impact. The position As an Inventory Officer, you will be responsible for maintaining accurate records of company assets and inventory. You will support the proper documentation, tracking and management of company assets and inventory, while also providing administrative support to the team as required. What you'll do Maintain accurate documentation and records of company assets. Track company assets and ensure records are kept up to date. Maintain inventory records and monitor stock levels. Support the movement, allocation and tracking of inventory and company assets. Conduct regular inventory checks and reconcile records where necessary. Maintain organised documentation for easy tracking and reference. Support other administrative tasks and projects as assigned. We are the place for you if You are organised and detail oriented. You are comfortable managing records and keeping information accurate. You take ownership of your responsibilities and follow tasks through. You are reliable and able to work with minimal supervision. You are comfortable handling routine administrative tasks. You are willing to support the team where needed. This job is perfect for you if You enjoy keeping things organised and well documented. You pay close attention to details. You are comfortable working with spreadsheets and maintaining records. You can keep track of multiple items and follow up when necessary. You are proactive and willing to support beyond your core responsibilities. You will not enjoy this job if You do not enjoy routine record-keeping and administrative work. You are not detail oriented. You struggle to keep information organised and up to date. You prefer a role with little structure or follow-up. Requirements What you bring At least, HND degree in Business Administration, Accounting, Supply Chain, or a related field. 1–2 years of experience in inventory, asset management, administration or a related role. Good organisational and record-keeping skills. Proficiency in Microsoft Excel or Google Sheets. Strong attention to detail. Good communication and follow-up skills. The ability to work independently and manage routine tasks effectively. Benefits What's in it for you Gain broad exposure to asset and inventory management in a fast-paced fintech environment. Work with different teams across the organisation. Develop your administrative, documentation and coordination skills. Be part of a collaborative team where your work directly supports smooth business operations.

Location: Lagos, Nigeria Who we are We’re a team determined to challenge the status quo and make financial inclusion count for millions of under-banked individuals and small business owners by making finance simple and useful to them. Our product suite is led by credit and we’re building broader offerings for our users. Our vision is to unlock the power of finance to create opportunities for all. We are the place for you, if You are excited about technology and the complexities of the future. You’re looking for a place to learn and grow. You care a lot about detail and pride yourself in impeccable execution. You can collect and analyze lots of data and feed in just the right amount of intuition to make sound decisions. You are ready to work extremely hard, at a fast pace, to achieve audacious goals. You love to speak up, ask questions and are comfortable challenging anyone or any idea. The position Renmoney is looking for a hands-on Team Lead, Collections, to manage and drive the performance of our collections team. This role is responsible for leading day-to-day collections operations, ensuring recovery targets are met, and improving the efficiency of our delinquency management processes across the loan portfolio. Key Responsibilities Lead, coach, and manage a team of collections officers/agents to meet daily, weekly, and monthly recovery targets Monitor and analyze delinquency buckets, recovery rates, and portfolio-at-risk (PAR) metrics, taking corrective action where performance lags Develop and refine collections strategies and scripts across different delinquency stages (early, mid, late-stage recovery) Ensure collections activities comply with CBN regulations and internal risk/compliance policies Collaborate with Credit Risk, Product, and Customer Experience teams to improve repayment journeys and reduce roll rates Track and report on team performance, recovery trends, and NPL movement to senior management Identify process gaps in the collections workflow and recommend tools/automation to improve efficiency (e.g., dialer systems, SMS/USSD reminders, self-service repayment channels) Handle escalations and complex delinquent cases requiring negotiation or restructuring Train and onboard new collections team members on policies, tools, and best practices Requirements Requirements Minimum of 6 years’ experience within a digital lending environment. Candidates must have meaningful experience in digital lending/fintech businesses where collections are predominantly managed through technology-enabled channels. Experience should demonstrate an understanding of the digital lending lifecycle and collections across delinquency buckets. Minimum of 4+ years in a Team lead or supervisory capacity. Must have directly managed Collections Officers/Agents including agent productivity and collections performance. Strong understanding of delinquency management, collection strategies, treatments, credit risk fundamentals Familiarity with collections tools (dialers, CRM,, loan management systems) Data-driven approach, comfortable working with excel etc. Strong leadership, coaching, and people-management skills Excellent negotiation and conflict-resolution skills Knowledge of CBN lending and recovery regulations is a plus Personal Attributes Self-driven leader with strong ownership and ability to thrive under pressure. Results-focused , with excellent execution, analytical, and target-tracking skills. Innovative , always seeking better, more efficient solutions. Clear communicator with strong interpersonal and relationship skills. Organized team player , able to prioritize, meet deadlines, and collaborate effectively. This job is perfect for you if you Enjoy prospecting and coming up with solutions to onboard and convert large-scale customer relationships Are a self-starter, take initiative, work collaboratively and can self-manage in ambiguity Have excellent verbal and written communication skills You will not enjoy this job if you Work best in structured, hierarchical settings Require clear, pre-set deliverables and constant direction Are used to working with a large team Benefits Private Health Insurance Pension Plan Paid Time Off Work From Home Training & Development Performance Bonus

Location: Lagos, Nigeria Client Acquisition & Sales: Develop and execute acquisition strategies to identify, onboard, and grow new SME clients while driving loan origination targets. Relationship Management & Retention: Maintain strong, long-term relationships with SME clients through regular business reviews, proactive engagement, and high-quality service delivery. Credit Assessment & Underwriting Support: Evaluate prospective clients' business operations, financial stability, and creditworthiness to determine suitability for lending. End-to-End Deal Execution: Guide clients through loan requirements and manage the end-to-end application and documentation process for timely approval. Cross-Functional Collaboration: Partner with cross-functional stakeholders to ensure efficient loan processing and disbursement. Portfolio Performance & Risk Management: Monitor loan portfolio performance to proactively detect emerging credit risks, manage repayment concerns, and identify cross-selling opportunities. Compliance & Risk Control: Ensure all commercial activities, client engagements, and documentation strictly adhere to internal policies, risk guidelines, and regulatory requirements. Market Intelligence & Reporting: Track industry trends and competitor activities to inform commercial strategies, providing regular performance insights and pipeline updates to management. Requirements Bachelor’s degree in Finance, Business Administration, Economics, or a related field, with 4–5 years of experience in relationship management, lending, or sales within financial services; ideally serving SME clients. Proven success in meeting or exceeding loan origination, sales, and portfolio growth targets through proactive client acquisition and cross-selling. Strong knowledge of SME lending, financial statement analysis, credit risk assessment, and loan structuring to evaluate business creditworthiness accurately. Excellent negotiation and communication skills, with a track record of partnering effectively with internal teams (Credit, Risk, Operations) to ensure seamless deal execution and disbursement. Proficiency in using pipeline management tools to track sales activities and monitor portfolio performance.

Location: Lagos, Nigeria The Card Operations Manager is responsible for the effective day-to-day management of Renmoney’s debit and credit card operations, ensuring operational stability, regulatory and scheme compliance, accurate reconciliation and settlement, effective fraud controls, efficient card issuance and personalisation, and a consistently positive cardholder experience. The role will oversee the end-to-end operational processes supporting the card business and work closely with internal stakeholders, card schemes, processors, personalisation bureaus and other service providers to ensure that card products are delivered reliably, securely and efficiently. 1. Card Operations Management Manage the end-to-end operational processes for Renmoney’s debit and credit card portfolio, including card issuance, personalisation, activation, transaction processing, reconciliation, settlement and dispute management. Ensure card operational processes are efficient, scalable and appropriately controlled. Identify opportunities to automate manual card operations processes and improve turnaround times. Monitor operational performance and proactively address issues that could affect card availability, transaction processing or customer experience. Develop, maintain and continuously improve card operations procedures, process maps and operating manuals. 2. Regulatory and Card Scheme Compliance Ensure card operations comply with all applicable CBN, NIBSS and card scheme requirements, including Mastercard, Verve, Visa and AfriGO requirements w Monitor changes in regulatory and scheme rules and coordinate implementation of required operational changes. Ensure all required regulatory and scheme reports are accurate and submitted within stipulated timelines. Coordinate responses to internal audits, external audits, regulatory reviews and card scheme assessments. Ensure audit and compliance findings relating to card operations are addressed within agreed timelines. 3. Card Issuance, Personalisation and Inventory Management Manage card ordering, inventory, personalisation, activation and distribution processes. Maintain adequate card stock levels to support approved issuance plans and prevent stock-outs. Work closely with card personalisation bureaus and other service providers to ensure cards are produced and delivered within agreed service levels. Monitor card issuance turnaround times and resolve operational bottlenecks. Ensure appropriate controls are maintained over blank cards, personalised cards, PINs and other sensitive card materials. 4. Transaction Processing, Reconciliation and Settlement (this is primarily handled by the central operations team; the job of the card ops manager here will be to ensure everything is done correctly, within stipulated timelines and in line with regulations) ·       Oversee daily reconciliation of card transactions across relevant channels, processors, card schemes and settlement accounts. Ensure reconciliation is completed within agreed timelines and discrepancies are promptly investigated and resolved. Work closely with Finance, Technology, Risk and relevant partners to resolve settlement and reconciliation breaks. Ensure the accuracy and completeness of operational card data used for financial, risk and management reporting. Monitor outstanding reconciliation items and ensure timely closure. 5. Fraud Risk and Card Security Work with Risk, Fraud and Information Security teams to strengthen fraud prevention, monitoring and response across Renmoney card products. Ensure fraud alerts and suspicious card transactions are reviewed and escalated promptly. Coordinate investigations and resolution of card-related fraud incidents. Monitor card fraud trends and recommend operational controls to reduce fraud exposure and losses. Ensure operational processes comply with applicable card security and data-protection requirements. 6. Dispute and Chargeback Management (this is primarily handled by the central operations team; the job of the card ops manager here will be to ensure everything is done correctly, within stipulated timelines and in line with regulations) Oversee cardholder disputes, chargebacks, reversals and transaction-related investigations. Ensure disputes are processed in accordance with card scheme rules and agreed customer service timelines. Monitor outstanding dispute cases and ensure timely resolution. Analyse dispute trends and recommend process improvements to reduce recurring issues. 7. Vendor and Partner Management Manage operational relationships with key card ecosystem partners, including processors, personalisation bureaus, card schemes and other service providers. Monitor vendor performance against contractual service-level agreements. Conduct regular operational and service review meetings with key partners. Escalate and drive resolution of high-impact service issues. Maintain appropriate documentation of vendor performance, incidents and remedial actions. 8. Customer Experience and Issue Resolution Partner with Customer Experience and other relevant teams to ensure card-related customer complaints and operational issues are resolved promptly. Monitor card-related customer complaints, turnaround times and recurring issues. Conduct root-cause analysis of significant or repeated customer issues and implement corrective actions. Drive initiatives that improve the reliability and quality of the cardholder experience. 9. Management Information and Reporting Prepare periodic card operations reports for management covering operational performance, issuance, reconciliation, fraud, disputes, customer complaints, vendor performance and key incidents. Maintain accurate operational dashboards and performance indicators. Provide timely insights on operational risks, trends and emerging issues. Support budgeting, forecasting and operational planning for the card business. 10. Stakeholder Management Collaborate with Product, Technology, Finance, Risk, Compliance, Customer Experience, Internal Audit and other internal stakeholders to support the card business. Support the launch of new card products, features and operational capabilities. Represent Card Operations in relevant internal governance forums and partner engagements. Ensure operational readiness before the launch of new card products, programmes or functionality. Key Performance Indicators Performance will be measured across the following areas: Zero regulatory sanctions or card scheme penalties arising from card operations. Timely closure of audit and compliance findings. 100% timely submission of applicable regulatory and scheme reports. Reduction in manual operational processes and card-related escalations. Completion of transaction reconciliation within agreed T+1 timelines. Reduction in confirmed card fraud losses and timely review of fraud alerts. Achievement of agreed vendor SLA performance. Timely resolution of high-impact vendor incidents. Reduction in card-related customer complaints and repeat complaints. Achievement of card personalisation and activation turnaround times. Prevention of material card stock-outs. Achievement of agreed reconciliation accuracy levels and timely closure of reconciliation breaks. Timely delivery of management and operational reports. Requirements Bachelor’s degree in Finance, Banking, Business Administration, Economics, Accounting, Information Technology or a related discipline. Relevant professional certifications in cards, payments, banking operations, risk, fraud or project management would be an advantage. Minimum of 5–7 years’ experience in banking, fintech, payments or card operations, with at least 2–3 years in a supervisory or managerial capacity . Strong practical knowledge of debit and/or credit card operations. Experience working with card schemes such as Mastercard, Verve and/or AfriGO. Good understanding of card transaction processing, reconciliation, settlement, disputes, chargebacks, fraud management and card personalisation. Familiarity with CBN, NIBSS and applicable payment-card regulatory requirements. Experience managing processors, card bureaus, card schemes and other third-party service providers. Required Skills and Competencies Strong understanding of the cards and payments ecosystem. Excellent operational and process-management skills. Strong analytical and problem-solving capability. Good understanding of operational risk, fraud and control frameworks. Strong reconciliation and financial-control orientation. Excellent vendor and stakeholder management skills. Strong attention to detail and commitment to accuracy. Ability to manage multiple operational priorities and incidents simultaneously. Strong written and verbal communication skills. Data-driven approach to performance management and decision-making. Strong customer-service orientation. Ability to identify operational inefficiencies and drive automation and process improvement. Ability to work effectively across Product, Technology, Finance, Risk, Compliance and Customer Experience teams. Success Profile The successful Card Operations Manager will be highly organised, control-conscious and commercially aware, with the ability to balance operational efficiency, regulatory compliance, risk management and customer experience. The individual should be proactive in identifying issues before they affect customers, comfortable managing multiple external partners, and capable of building robust operational processes that can support the growth of Renmoney’s card portfolio.

Location: Lagos, Nigeria We are looking for a dynamic Senior Sales Executive to drive the growth of Renmoney’s lending products among salary earners, self-employed professionals, and SMEs. You will spearhead intensive prospecting, lead generation, and pipeline management while delivering exceptional service to convert prospects into loyal customers across multiple locations. Responsibilities Proactively seek out and engage potential clients through smart research, referrals, and networking. Deliver compelling sales presentations that highlight the unique benefits of our products. Build lasting relationships with clients, ensuring their needs are met and expectations exceeded. Consistently hit and surpass your monthly and quarterly sales targets. Offer top-notch customer service, swiftly addressing inquiries and providing personalized support. Collaborate across teams to continuously enhance our product offerings and customer experience. Maintain detailed records of all sales activities and client interactions. Stay ahead of market trends and competitor moves to keep your sales strategy fresh and effective. Requirements What You Bring to the Table Bachelor's degree in Business Administration, Finance, or a related field. At least 2 years of proven success in sales within the financial services industry. A track record of smashing sales targets and driving results. Outstanding communication and interpersonal skills that help you connect and build trust. The ability to understand client needs and craft tailored solutions. A self-starter mindset with excellent organizational and time management skills. Proficiency in Microsoft Office Suite and CRM platforms. A team player who can also shine when working independently.

Location: Lagos, Nigeria Who We Are We’re a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience. The Role Are you inherently curious about our customers? Do you constantly ask “why” behind the data? The Market Intelligence & Insights team is expanding, and we are looking for a highly analytical and customer-obsessed team member to join us as a Market Intelligence & Insights Analyst. In this role, you will work directly with the MI&I Manager to uncover the trends, behaviors, and competitive forces shaping the Nigerian fintech landscape. No prior formal market research experience is required. We will teach you the methodologies, tools, and science of research. What you need to bring is a deep understanding of the business, a passion for solving problems, and an eagerness to learn both quantitative (numbers-driven) and qualitative (people-driven) research. What You Will Do • Assist in the design, scripting, and deployment of customer surveys to measure satisfaction, product usage, and market trends • Help organize and eventually conduct customer interviews, focus groups, and usability tests to understand the “why” behind customer behaviors • Learn to analyze raw data, including survey results and internal metrics, to identify patterns and translate them into actionable insights • Monitor the Nigerian lending and fintech landscape to track competitor products, campaigns, and market positioning • Co-create visually engaging and easy-to-understand reports and presentations for cross-functional teams including Product, Marketing, and Management • Support end-to-end research projects that influence business decisions and strategy Requirements What You Bring Experience & Background • Experience in Customer Experience, Data Analytics, Product, Operations, or related areas is an advantage • Strong understanding of the company’s products, customer base, and operations • No prior formal market research experience is required Skills & Competencies • Insatiable curiosity and a strong desire to understand customer behaviour and market trends • Analytical empathy with the ability to connect data to real customer experiences • Strong written and verbal communication skills with the ability to simplify complex ideas • Strong business acumen and problem-solving ability • High attention to detail and strong organizational skills • Comfortable with basic data manipulation tools such as Excel or Google Sheets • Eagerness to learn quantitative and qualitative research methodologies This Role Is Ideal for You If: • You enjoy asking questions and uncovering insights behind customer behaviour • You are analytical but also customer-focused • You enjoy learning and developing new strategic skills • You are excited about influencing business decisions through research and insights You May Not Enjoy This Role If: • You prefer routine work without exploration or analysis • You struggle with interpreting data or identifying patterns • You are uncomfortable communicating insights or presenting findings • You are not interested in understanding customer behaviour or market dynamics Benefits What’s In It For You: • Opportunity to transition into a strategic, insight-driven role within the business • Hands-on mentorship and exposure to market research methodologies • Opportunity to build highly valuable skills in consumer psychology, data analysis, and market strategy • Exposure to cross-functional teams and business decision-making processes • The chance to directly influence future products, campaigns, and customer experience initiatives • Competitive compensation and growth opportunities within a fast-paced fintech environment

Location: Lagos, Nigeria Who we are We’re a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience. The position At Renmoney, we’re solving real-world problems with innovation, technology, and a mission to deepen financial inclusion. As Executive Assistant, you will work directly with our C-suite and play a critical role in driving efficiency, strategic alignment, and operational excellence across the organization. This is more than an administrative role: you will be a thought partner, execution leader, and force multiplier for executive leadership. What you’ll do Serve as a key liaison between the Executive Office and internal/external stakeholders, ensuring information flows smoothly and priorities are well-coordinated Track high-impact initiatives and business priorities, ensuring follow-through and accountability across departments Prepare briefing documents, reports, presentations, and memos for executive decision-making Facilitate effective meetings by developing agendas, recording and following up on action items, and supporting communication between cross-functional teams Lead special projects and initiatives on behalf of the Executive Office Manage executive calendars, travel plans, and high-level engagements with discretion and foresight Conserve the leadership team’s time by proactively anticipating needs, handling sensitive correspondence, and supporting day-to-day business operations Maintain an organized and secure system for managing executive documents and strategic materials Provide critical support during board meetings, strategy offsites, and external stakeholder engagements Requirements Proven ability to operate in fast-paced, high-growth environments Experience supporting C-suite leaders directly, coordinating across department heads, and managing external parties such as key partners Strong business writing and presentation skills for executive audiences Proficiency with Microsoft Office tools and report development Education & Experience Bachelor’s degree in any field (a business-related degree is a plus) Minimum of 3 years of experience supporting executive leadership or leading operational functions Experience in tech, financial services, or a startup environment is an advantage Based in Lagos, Nigeria, with eligibility to work in Lagos, Nigeria Benefits You’ll receive competitive compensation and work with passionate, driven people. You’ll collaborate directly with leadership on strategic initiatives and help shape the future of a brand solving meaningful problems. You'll be part of a flat, agile structure where your work creates real impact.

Location: Lagos, Nigeria; Moscow, Russia; Belgrade, Serbia; Minsk, Belarus; Tbilisi, Georgia; Limassol, Cyprus Renmoney Microfinance Bank is on a mission to empower individuals and businesses across Nigeria by building a comprehensive financial ecosystem. From lending and savings to insurance, remittances, payments, and lifestyle services, we are creating innovative solutions that drive financial inclusion and economic growth. Your Mission As Chief Product Officer (CPO), you will own the vision and strategic direction of Renmoney’s retail product ecosystem. This includes core lending and banking products, as well as adjacent services such as insurance, remittances, and lifestyle solutions. Given the seniority of the CPO position and its strategic impact on the business, the role requires relocation to Lagos, Nigeria for the on-site work in the headquarters of the company. You will work closely with the executive team to: Drive product innovation and profitability. Enhance customer experience and adoption. Ensure products are competitive, compliant, and scalable in Nigeria’s fast-evolving financial services landscape. You will lead multidisciplinary teams across Product Management, Design, Data, and Technology — ensuring that what we build creates measurable value for customers, partners, and the business. Key Responsibilities Strategy & Vision Define and deliver Renmoney’s ecosystem product strategy, balancing growth, profitability, and risk. Translate market opportunities into scalable product roadmaps across lending, banking services, insurance, remittances, payments, and lifestyle. Stay ahead of regulatory requirements and competitive dynamics in Nigeria. Product Development & Execution Lead the design and rollout of customer-centric products tailored to Nigeria’s retail segments. Champion research, data analytics, and customer feedback to shape product decisions. Drive adoption of AI, automation, and digital channels to improve efficiency and customer experience. Establish robust product governance and compliance processes. Ecosystem & Partnerships Build and manage strategic partnerships with fintechs, telcos, insurers, remittance providers, and lifestyle platforms. Develop cross-sell, bundled, and embedded finance opportunities that expand customer value. Negotiate favorable commercial terms that balance growth and cost efficiency. Leadership & Performance Lead and grow a high-performing product team with a culture of accountability, innovation, and delivery. Partner with Risk, Finance, and Collections to optimize pricing, yields, impairments, and capital allocation. Track and report KPIs: adoption, profitability, NPS/CSAT, revenue contribution, and ecosystem expansion. Requirements 10+ years of product leadership experience (including Head of Product, VP Product, or CPO), ideally in financial services, fintech, or microfinance. Proven success in scaling retail products and ecosystems (beyond lending). Strong grasp of Nigeria’s financial landscape (banking, regulation, competition, consumer behavior). Ability to link product outcomes directly to P&L impact (CAC, LTV, NPS, churn). Experience with AI, automation, and data-driven product management. Strong leadership skills: strategic thinker, clear communicator, collaborative, commercially minded. Advanced degree (MBA or related) is a plus but not mandatory. Benefits Full support with relocation to Lagos, Nigeria A unique opportunity to shape the future of financial services in Nigeria. Competitive salary and performance-based incentives. Pension scheme, health cover, and wellness benefits. A collaborative and high-growth environment. Growth and development opportunities in a mission-driven organization.

Location: Lagos, Nigeria We’re looking for a Product Manager to own the Customer Support product experience end-to-end. You’ll define the vision, roadmap, and execution for support tools and processes that improve resolution time, customer satisfaction, and operational efficiency across app, web, and contact centre channels. Key Responsibilities Define and execute the roadmap for customer support products (in-app help, ticketing, knowledge base, chat/voice integrations, self-service flows). Work with Engineering, Design, Support Ops, and Compliance to ship features that reduce handle time, increase first-contact resolution, and improve NPS/CSAT. Analyse support data (ticket volumes, categories, SLAs, escalation rates) to identify pain points and prioritize improvements. Partner with Risk, Collections, and Product teams to ensure support workflows align with regulatory and policy requirements. Run experiments and A/B tests on support flows, FAQs, and in-app guidance to drive self-service adoption. Build clear metrics and dashboards for support performance and report regularly to leadership. Requirements 3+ years of customer service product management experience, preferably in fintech, banking, or digital lending in Nigeria. Strong understanding of customer support operations, ticketing systems, and omnichannel support (app, web, call centre). Experience with data-driven prioritization, experimentation, and support metrics (FCR, AHT, SLA, CSAT/NPS). Familiarity with CBN/NDIC regulatory environment and financial services compliance is a plus. Excellent communication, stakeholder management, and problem-solving skills. Benefits You’ll receive competitive compensation and work with amazing people. You’ll work in a beautiful environment with a flat structure and solve complex, real-world challenges. Shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary plus performance bonuses and health benefits. Thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools. Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.

Location: Lagos, Nigeria We are looking for a Product Manager to lead the development and optimization of collections products, systems, and customer engagement strategies across the loan lifecycle. Key Responsibilities - Own the product strategy, roadmap, and delivery for collections solutions. - Improve collection, recovery, cure, and agent productivity metrics. - Develop collection workflows, customer contact strategies, and agent tools. - Manage integrations between collection CRM, telephony systems/dialers, loan management platforms, payment systems, and data platforms. - Collaborate with Collections, Risk, Operations, Analytics, Engineering, and Compliance teams. - Define product requirements, user journeys, processes, and success metrics. - Lead testing, implementation, rollout, and continuous product improvement. - Ensure compliance with internal policies, regulatory requirements, and responsible-collection practices. Requirements - 3+ years of product management experience, preferably in fintech, lending, banking, or collections. - Strong understanding of the loan collections lifecycle and delinquency management. - Experience with collection CRM platforms, telephony systems/dialers, and integrating both solutions. - Understanding of APIs, data flows, system integrations, and Agile product development. - Strong analytical, communication, problem-solving, and stakeholder-management skills. - Ability to translate business and operational needs into clear product requirements. Nice to Have - Experience working with secured lending products. - Experience in digital lending, consumer finance, or microfinance. - Knowledge of omnichannel collections, including voice, SMS, WhatsApp, email, and push notifications. - Experience with SQL, decisioning platforms, workflow automation, or speech analytics. Key Success Metrics - Improved cure, recovery, and kept-promise rates. - Reduced roll rates and collection costs. - Increased contact, conversion, and agent productivity rates. - Reliable performance of CRM, telephony, and system integrations. - Successful delivery of the collections product roadmap. Benefits Competitive salary aligned with the fintech market Exposure to senior leadership and cross-functional teams Clear growth path into senior roles within 12–18 months Opportunity to work on products impacting thousands of users Collaborative, high-performance team environment

Location: Russia; Belgrade, Serbia; Lagos, Nigeria Who we are We’re a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experiences. The position We are currently seeking to employ a Chief Financial Analyst to report to the CFO. You will have the authority to oversee and deliver solid models, forecasts and analyses that drive business strategy and sound decision making. Requirements Product profitability management – implement best practices and establish a solid process for regular assessment of Products. Business controlling – establish regular solid process for new initiatives assessment and implementation with post control function. Financial reporting and analysis – implement best practices for performance analysis including identification of key areas of risk, variance analysis, static and dynamic analysis. ALM – provide prudent knowledge and implement best practices in depo pricing, interest rate risk management, transfer pricing. OPEX management – help with the implementation of best practices in OPEX management like better cost planning, cost analytics, operational benchmarking and cost optimization. Modelling – implementation and establishing best practices and Product modelling, creating diversified of models depending on stakeholders’ needs. Budgeting – to provide best practices in budgeting, lead and support FPA team while preparation of Budgets and Forecasts. To implement operational budgets on a monthly basis. Deep coordination and integration with risk management and data science team – this relates on synchronization of the models with Risk team, implementing solid cut-off policy and procedures, better understanding of loan products, proper risk budgeting, coordination on data structuring and reporting. Benefits Remote work from anywhere in the world Performance bonus, 25+ paid vacations and day-offs, personal development plan Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.

Location: Lagos, Nigeria About Renmoney Renmoney is a leading Nigerian financial institution committed to making financial services simple, accessible, and impactful for millions of individuals and small businesses. We leverage technology, data, and innovation to provide lending, savings, payments, and emerging financial solutions that improve our customers' financial wellbeing. Our ambition is to build one of Africa's most trusted and customer-centric financial services platforms. As we continue to scale, we are seeking an exceptional Chief Financial Officer to help shape our next phase of growth. Please note that this is a Lagos-based executive role, requiring an on-site presence in Nigeria. The Role The Chief Financial Officer (CFO) is a key member of the Executive Committee and strategic partner to the CEO, Board, investors, and regulators. The CFO is responsible for safeguarding the financial strength of the business while driving sustainable growth, capital optimisation, investor confidence, and long-term value creation. The role provides leadership across Finance, Treasury, Financial Planning & Analysis (FP&A), Tax, Procurement, Investor Relations, Regulatory Reporting, Capital Management, and Financial Operations. The successful candidate will build a high-performing finance organisation that delivers timely insights, enables effective decision-making, strengthens governance, and supports the company's strategic ambitions. Key Responsibilities Strategic Leadership Serve as a trusted adviser to the CEO, Board, and Executive Committee on all financial and strategic matters. Contribute to the development and execution of the Company's long-term strategy and growth plans. Drive enterprise-wide performance management and ensure resources are allocated to the highest-return opportunities. Provide strategic challenge and independent insight to support decision-making across all business functions. Promote a culture of accountability, transparency, execution excellence, and value creation. Financial Strategy & Performance Lead the Company's financial planning, budgeting, forecasting, and performance management processes. Develop financial models and strategic scenarios to support growth initiatives, product expansion, and investment decisions. Deliver insightful management reporting and performance analysis to the Executive Committee and Board. Establish clear profitability and return-on-capital metrics across products, channels, and customer segments. Drive continuous improvement in forecasting accuracy and financial discipline. Treasury, Funding & Capital Management Develop and execute the Company's funding and capital strategy. Ensure effective liquidity management and maintenance of adequate capital buffers. Lead relationships with banks, institutional lenders, development finance institutions, investors, and funding partners. Identify and execute opportunities to diversify funding sources and reduce cost of funds. Monitor capital adequacy and ensure alignment with regulatory and growth requirements. Support fundraising initiatives, including debt and equity transactions. Investor Relations & Stakeholder Management Build and maintain strong relationships with shareholders, investors, lenders, auditors, rating agencies, and key stakeholders. Present financial performance, strategic initiatives, and funding opportunities to existing and prospective investors. Ensure timely, accurate, and transparent communication with stakeholders. Support future capital raising and strategic partnership opportunities. Regulatory Compliance & Governance Ensure full compliance with all regulatory, statutory, tax, and reporting requirements. Maintain strong relationships with regulators, including the Central Bank of Nigeria and other relevant authorities. Lead statutory reporting, annual audits, tax management, and financial governance activities. Ensure effective internal controls, policies, and risk management frameworks are maintained and continuously improved. Promote a strong control environment and a "no surprises" culture. Business Performance & Analytics Drive the use of data and analytics to improve commercial decision-making. Establish robust business intelligence and management reporting capabilities. Monitor business performance, portfolio profitability, customer economics, and operational efficiency. Partner with Business, Risk, Product, Operations, and Technology teams to optimise financial outcomes. Ensure financial insights are translated into actionable business decisions. Portfolio & Risk Management Work closely with Risk and Business teams to optimise portfolio growth and profitability. Monitor portfolio quality, expected losses, provisioning, and risk-adjusted returns. Evaluate the financial implications of credit, liquidity, operational, and market risks. Support sustainable growth through disciplined balance sheet management. Technology & Finance Transformation Drive automation, digitisation, and continuous improvement across finance processes. Ensure finance systems and reporting infrastructure support business scalability. Improve reporting speed, quality, and accessibility through technology and data. Lead finance transformation initiatives that enhance efficiency and effectiveness. Leadership & Talent Development Build, lead, and develop a high-performing finance organisation. Foster a culture of accountability, ownership, continuous learning, and excellence. Develop succession plans and strengthen leadership capability across the finance function. Mentor and coach future finance leaders within the organisation. Collaborate effectively across all business functions to achieve organisational goals. Success Measures Within the first 6–12 months, the CFO will be expected to: Strengthen profitability and forecasting accuracy. Improve capital efficiency and liquidity management. Enhance management reporting and business insights. Successfully execute funding and capital initiatives. Strengthen investor, Board, and regulatory confidence. Improve finance operational efficiency through automation and transformation. Build a high-performing finance leadership team capable of supporting the Company's long-term growth ambitions. Requirements Education & Professional Qualifications Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related discipline. ACA, ACCA, CPA, CFA, or equivalent professional qualification required. MBA or advanced business qualification is an advantage. Experience Minimum 5 years of experience in a CFO, Finance Director, Deputy CFO, or equivalent executive finance role. Minimum 15 years of progressive finance leadership experience preferred. Proven experience working in an international business environment. Strong experience within financial services, banking, fintech, lending, payments, or consumer finance. Demonstrated success managing large balance sheets, funding programmes, and regulatory relationships. Proven experience leading fundraising and investor engagement initiatives; capital management experience is an advantage. Experience driving finance transformation and organisational growth. Key Competencies Strategic & Commercial Strong understanding of growth, profitability, and value creation drivers. Ability to connect financial performance with business strategy is an advantage. Leadership Executive presence and credibility with Boards, investors, regulators, and senior stakeholders. Strong influencing and stakeholder management skills. Proven ability to build and lead high-performing teams preferred. Technical Excellence Deep knowledge of financial reporting, treasury, taxation, and regulatory requirements, with capital management expertise an advantage. Strong financial modelling capability. Experience with modern finance systems and data-driven decision-making. Personal Attributes Collaborative and able to work effectively across multiple functions. Benefits Visa sponsorship for the relocation to Lagos, Nigeria Comfort: comprehensive health insurance, 25+ paid vacations and day-offs, personal development plan, annual performance review Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary and performance bonus Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools. Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.

Location: Lagos, Nigeria Who We Are We're a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience. The Role The Senior Risk Analyst (Portfolio Risk) is responsible for driving portfolio risk analytics, credit performance monitoring, Expected Credit Loss (ECL) modeling, impairment analysis, and value-added risk initiatives that optimize portfolio performance and profitability. The role partners closely with Risk, Finance, Product, Collections, and Technology teams to deliver actionable portfolio insights, automate reporting, improve decision-making, and support strategic initiatives such as Risk-Based Pricing (RBP), digitalization, and portfolio optimization. This role is ideal for someone with strong analytical capabilities, deep knowledge of retail lending portfolios, IFRS 9/ECL methodologies, and the ability to translate complex data into business recommendations within a fast-paced financial services environment. What You Will Do Monitor and analyze portfolio performance across all lending products, identifying emerging risks, trends, and business opportunities. Develop, automate, and maintain portfolio risk dashboards, management reports, and executive reporting. Lead value-added portfolio initiatives including Risk-Based Pricing (RBP), digitalization, and portfolio optimization projects. Deliver timely, accurate, and insightful reporting to support strategic and operational decision-making. Own the portfolio Expected Credit Loss (ECL) and impairment analysis in accordance with IFRS 9 requirements. Provide profitability analysis by evaluating impairment costs, portfolio performance, and P&L contribution across each lending product. Support forecasting of credit losses, provisions, and portfolio performance under different economic scenarios. Design and enhance portfolio monitoring frameworks, early warning indicators, and risk performance metrics. Collaborate with Data, Finance, Product, Collections, and Technology teams to improve data quality and reporting automation. Build automated reporting solutions and improve data infrastructure to reduce manual processes. Conduct deep-dive analyses into portfolio trends, customer behavior, segmentation, and credit performance. Perform portfolio stress testing, sensitivity analysis, and scenario modeling. Support regulatory reporting, internal audits, and governance requirements relating to portfolio risk. Recommend risk policy enhancements based on portfolio performance and analytical findings. Maintain documentation for portfolio methodologies, reporting processes, and analytical models. Drive continuous improvement initiatives across portfolio analytics and reporting capabilities. Requirements What You Bring Educational Qualification Bachelor's degree in Statistics, Mathematics, Economics, Finance, Accounting, Computer Science, Engineering, or a related quantitative discipline. Master's degree is an added advantage. Professional Certifications FRM (Financial Risk Manager) – preferred. CFA (Chartered Financial Analyst) – an advantage. ACCA, ACA, or equivalent accounting qualification is beneficial. IFRS 9 or Credit Risk certifications are an added advantage. Microsoft Power BI, SQL, Python, SAS, or Data Analytics certifications are desirable. Experience Minimum of 5–7 years of experience in Portfolio Risk, Credit Risk Analytics, Risk Modelling, or Financial Risk. Experience within banking, fintech, consumer lending, digital lending, or financial services. Demonstrated experience with IFRS 9, Expected Credit Loss (ECL), impairment analysis, and portfolio monitoring. Experience building automated reporting and portfolio dashboards. Experience supporting senior management with portfolio performance insights and strategic recommendations. Professional Competencies Strong knowledge of portfolio risk management principles and retail lending products. Deep understanding of IFRS 9, ECL methodologies, impairment calculations, and provisioning. Strong analytical skills with experience interpreting large datasets and translating insights into business actions. Advanced proficiency in SQL, Excel, Power BI, Tableau, Python, SAS, R, or similar analytical tools. Strong understanding of P&L drivers, portfolio profitability, and financial performance analysis. Experience designing portfolio monitoring frameworks and early warning indicators. Ability to automate reporting processes and improve reporting efficiency. Strong knowledge of credit risk metrics including PAR, Roll Rates, Vintage Analysis, Loss Rates, Recoveries, and Collections performance. Excellent presentation, communication, and stakeholder management skills. Strong attention to detail with the ability to influence strategic decision-making through data. Ability to manage multiple priorities within a fast-paced environment. This Role Is Ideal For You If: You enjoy transforming complex portfolio data into strategic business insights. You are passionate about credit risk analytics, portfolio optimization, and automation. You enjoy improving reporting efficiency through digitalization and data-driven solutions. You thrive in solving complex business problems using analytics. You enjoy collaborating across Risk, Finance, Technology, and Product teams. You want to influence credit strategy and portfolio performance at scale. You May Not Enjoy This Role If: You prefer operational roles over analytical and strategic work. You are uncomfortable working with large datasets and complex financial models. You dislike automation, reporting, or continuous process improvement. You prefer highly repetitive work with limited opportunities for innovation. You are not interested in financial performance, impairment, or portfolio optimization. Benefits What's In It For You Opportunity to shape portfolio strategy within a leading fintech organization. Direct ownership of portfolio analytics, IFRS 9 reporting, and risk insights that influence executive decision-making. Exposure to large-scale digital transformation, Risk-Based Pricing (RBP), and advanced analytics initiatives. Opportunity to collaborate with Risk, Finance, Product, Data, Engineering, and Executive Leadership teams. Continuous learning, professional certification sponsorship, and career development opportunities. Competitive compensation and the opportunity to solve complex, high-impact credit risk challenges.

Location: Lagos, Nigeria Who We Are We're a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience. The Role The Senior Anti-Fraud & Credit Policy Manager leads the Bank's Credit Policy and Fraud Prevention function, ensuring robust controls across customer onboarding, loan origination, and portfolio management. The role is responsible for developing and optimizing fraud prevention strategies, KYC controls, credit policy rules, and fraud detection models while safeguarding the business against financial crime and operational losses. The successful candidate will oversee anti-fraud systems, external risk data providers, blacklist management, and continuous monitoring of fraud attacks. Working closely with Risk, Credit, Product, Operations, Technology, Compliance, and Data Science teams, this role will drive automation, enhance decisioning frameworks, and strengthen fraud prevention capabilities across the lending lifecycle. This role is ideal for someone with extensive experience in fraud risk management, credit policy, digital lending, and data-driven decisioning within banking or fintech. What You Will Do Lead the design, implementation, and continuous improvement of credit policies and anti-fraud strategies across all lending products. Develop, monitor, and optimize KYC, customer verification, and fraud prevention controls throughout the customer lifecycle. Design, implement, and fine-tune fraud detection rules, cross-match models, and decision engines to improve fraud detection while minimizing false positives. Manage fraud prevention platforms and decisioning systems to enhance approval quality and customer experience. Oversee relationships with external risk data providers, including credit bureaus, identity verification providers, device intelligence, and fraud intelligence vendors. Evaluate the effectiveness of third-party fraud and identity solutions and recommend enhancements where necessary. Own and maintain customer, device, identity, and merchant blacklists, ensuring timely updates and governance. Monitor fraud trends, emerging threats, attack patterns, and suspicious activities across digital channels. Lead daily fraud monitoring, investigate fraud incidents, and coordinate rapid response actions to mitigate losses. Develop fraud dashboards, KPIs, and management reports to support executive decision-making. Conduct root cause analysis of fraud events and implement preventive controls. Collaborate with Product, Engineering, Data Science, and Operations teams to implement new fraud controls and policy enhancements. Review lending policies and recommend updates based on portfolio performance, fraud trends, regulatory changes, and business strategy. Support internal and external audits, regulatory examinations, and compliance activities relating to fraud prevention and credit policy. Ensure all fraud prevention activities comply with regulatory requirements and internal governance standards. Lead continuous improvement initiatives through automation, analytics, and advanced fraud detection techniques. Requirements What You Bring Educational Qualification Bachelor's degree in Computer Science, Information Technology, Mathematics, Statistics, Economics, Finance, Accounting, Engineering, or a related discipline. Master's degree is an added advantage. Professional Certifications Certified Fraud Examiner (CFE) – preferred. Certified Anti-Money Laundering Specialist (CAMS) – an advantage. Certified Risk Management Professional (CRMP), FRM, or equivalent certifications are desirable. Professional certifications in Data Analytics, SQL, Python, SAS, or Power BI are an added advantage. Experience Minimum of 6–8 years of experience in Fraud Risk Management, Credit Policy, Financial Crime, Credit Risk, or Digital Lending. At least 3 years in a leadership or senior specialist role. Experience within banking, fintech, consumer lending, or financial services. Hands-on experience managing fraud prevention systems, KYC platforms, and rule-based decision engines. Experience working with external fraud intelligence, identity verification, and credit bureau providers. Professional Competencies Strong knowledge of digital fraud prevention, financial crime, and credit policy management. Deep understanding of KYC, Customer Due Diligence (CDD), identity verification, and fraud risk controls. Experience designing and optimizing fraud rules, scorecards, cross-match models, and decision engines. Strong understanding of fraud attack vectors, synthetic identity fraud, account takeover, device fraud, application fraud, and first-party fraud. Experience managing external risk data providers and integrating third-party fraud solutions. Strong knowledge of blacklist management, fraud monitoring, and fraud investigation processes. Proficiency in SQL, Excel, Power BI, Python, SAS, or similar analytical tools. Strong analytical and problem-solving skills with the ability to identify emerging fraud patterns. Excellent stakeholder management, communication, and leadership skills. Strong understanding of regulatory requirements relating to fraud prevention, AML, KYC, and consumer lending. Ability to balance fraud prevention with customer experience and business growth. This Role Is Ideal For You If: You enjoy building robust fraud prevention and credit policy frameworks. You are passionate about protecting customers and the business from financial crime. You enjoy analyzing fraud patterns and improving decision engines through data. You thrive in fast-paced, technology-driven lending environments. You enjoy collaborating across Risk, Compliance, Product, Engineering, and Operations teams. You are motivated by solving complex fraud challenges using analytics and technology. You May Not Enjoy This Role If: You prefer operational processing over strategic risk management. You are uncomfortable making high-impact risk decisions. You dislike working with fraud analytics, rule optimization, and large datasets. You prefer environments with limited change and innovation. You are not interested in regulatory compliance, fraud prevention, or credit governance. Benefits What's In It For You Opportunity to lead fraud prevention and credit policy for a fast-growing fintech organization. Ownership of fraud strategy, KYC controls, and credit decisioning frameworks that directly influence portfolio quality and customer trust. Exposure to advanced fraud technologies, digital identity solutions, and analytics-driven decisioning. Opportunity to collaborate with Risk, Product, Engineering, Data Science, Compliance, and Executive Leadership teams. Continuous learning, professional certification support, and career development opportunities. Competitive compensation and the opportunity to solve complex, high-impact fraud and credit risk challenges.

Location: Lagos, Nigeria Who We Are: We're a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience. The Role: The Portfolio Manager is responsible for developing, implementing, and managing credit portfolio strategies that support the Bank's expansion into new markets and regions. The role ensures sustainable portfolio growth by balancing risk, profitability, and customer acquisition while adapting credit strategies to local market dynamics and regulatory environments. This role will lead portfolio performance monitoring, market analysis, credit strategy optimization, and expansion initiatives across multiple geographies. Working closely with Credit Risk, Product, Finance, Data, Collections, and Business teams, the Portfolio Manager will drive data-driven decisions that maximize portfolio quality and business performance. This role is ideal for someone with strong expertise in portfolio management, retail lending, credit analytics, and expansion strategy within banking or fintech. What You Will Do: Develop and execute portfolio strategies to support expansion into new markets and regions. Design localized credit strategies based on customer behaviour, market conditions, regulatory requirements, and portfolio performance. Monitor portfolio quality, profitability, and growth across multiple regions using key credit risk metrics. Analyse portfolio trends, customer segments, and product performance to identify growth opportunities and emerging risks. Perform portfolio forecasting, scenario analysis, stress testing, and profitability assessments. Recommend enhancements to underwriting policies, pricing strategies, and portfolio limits to optimise business performance. Partner with Product and Business teams to support the launch of new lending products and market expansion initiatives. Monitor key portfolio indicators including delinquency, default rates, recoveries, vintage performance, roll rates, and loss trends. Conduct deep-dive analysis on regional portfolio performance and provide actionable recommendations to senior management. Collaborate with Finance on Expected Credit Loss (ECL), impairment analysis, and portfolio provisioning. Develop automated dashboards and portfolio reporting to support executive decision-making. Drive continuous improvement initiatives across portfolio analytics, reporting automation, and risk management processes. Ensure compliance with internal credit policies, regulatory requirements, and governance standards. Work closely with Risk, Data Science, Technology, Collections, and Operations teams to improve portfolio performance and customer outcomes. Requirements What You Bring Educational Qualification: Bachelor's degree or Higher National Diploma in Finance, Economics, Statistics, Mathematics, Business Administration, Engineering, Computer Science, or a related quantitative discipline. A Master's degree is an added advantage. Professional Certifications: Financial Risk Manager (FRM) or Chartered Financial Analyst (CFA) certification is preferred. Professional certifications in Credit Risk Management or Portfolio Management are an added advantage. Microsoft Power BI, SQL, Python, SAS, or equivalent data analytics certifications are desirable. Experience: Minimum of 5–7 years of experience in Portfolio Management, Credit Risk, Credit Analytics, or Retail Lending. Hands-on experience managing consumer lending portfolios within banking, fintech, or other financial institutions. Experience supporting regional expansion, multi-market portfolios, or new market launches is an added advantage. Professional Competencies: Strong understanding of retail lending, portfolio management, and credit risk principles. Experience analysing portfolio performance using key risk and financial metrics. Knowledge of IFRS 9, Expected Credit Loss (ECL), impairment analysis, and portfolio profitability. Strong analytical skills with experience using SQL, Excel, Power BI, Python, SAS, or similar analytical tools. Experience with portfolio segmentation, vintage analysis, roll rates, delinquency monitoring, and stress testing. Strong understanding of lending products, customer behaviour, and market dynamics. Excellent communication, stakeholder management, and presentation skills. Strong commercial acumen with the ability to balance business growth and portfolio quality. Ability to work effectively in a fast-paced, data-driven environment while managing multiple priorities. This Role Is Ideal For You If: You enjoy building and optimising lending portfolios across new markets. You are passionate about using data to drive strategic business decisions. You thrive in high-growth, fast-paced financial services environments. You enjoy collaborating with cross-functional teams to deliver business outcomes. You are motivated by solving complex portfolio and credit risk challenges. You May Not Enjoy This Role If: You prefer operational or administrative work over strategic portfolio management. You are uncomfortable working with large datasets and financial analysis. You dislike balancing commercial growth with risk management. You prefer highly repetitive work with limited opportunities for innovation and strategic thinking. Benefits What's In It For You: Opportunity to lead portfolio strategy for regional expansion within a fast-growing fintech organisation. Exposure to large-scale lending portfolios, market expansion, and strategic growth initiatives. Opportunity to collaborate with Credit Risk, Product, Finance, Data, Engineering, and Executive Leadership teams. Continuous learning, professional certifications, and career development opportunities. Competitive compensation and the opportunity to influence business growth while managing portfolio performance across multiple markets.