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Location: Lagos, Nigeria We are expanding our product and technology teams and are hiring several Business Analysts across multiple domains: Digital/Web, Internal Products, SME Digital Lending, BNPL, Offline Lending, and Business Services . Our goal is to bring in professionals with international fintech or banking experience who can contribute best practices and help scale high-impact financial products. The ideal candidate is highly analytical, communicates clearly with both business and engineering teams, and is able to quickly ramp up and start delivering within 4–6 weeks . Responsibilities Work closely with Product Managers, Engineering, Risk, and Operations teams to translate business goals into clear product and system requirements. Lead discovery and requirements gathering for new features, products, and process improvements. Create and maintain functional specifications, user stories, process flows, and documentation . Support product delivery by clarifying requirements, managing scope, and ensuring alignment between stakeholders and development teams. Analyze business processes, product performance, and operational workflows to identify optimization opportunities. Ensure that delivered solutions meet business needs, regulatory requirements, and user expectations . Requirements 3–5 years of experience in Business Analysis, Product Analysis, or Product Operations. Background in fintech, banking, lending, payments, or digital financial products . Experience working with cross-functional product and engineering teams . Strong skills in requirements documentation, stakeholder management, and process modeling . Ability to quickly understand complex systems and business processes . Excellent analytical thinking and communication skills . Fluent English (spoken and written). Preferred Experience Experience in international fintech or banking environments (Europe, LatAm, SEA, USA, UK, Russia). Exposure to lending products, payments, BNPL, or digital financial platforms . Familiarity with Agile product development environments . 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: Russia; Belgrade, Serbia; Tbilisi, Georgia; Kazahstan, Kazakhstan; Lagos, Nigeria We are scaling our SME Lending direction and looking for a Product Manager - Lending Lead who can own the product end-to-end and drive measurable growth from day one. This role requires someone hands-on, data-driven, and commercially sharp — with real experience in building and scaling digital lending products for B2B / SME clients. We expect first tangible outcomes within 6–8 weeks . What You’ll Do Own the SME Digital Lending product lifecycle end-to-end Improve risk models, approval flows, and credit decision logic Optimize acquisition and distribution channels Drive portfolio growth while balancing risk and profitability Prioritize based on data, unit economics, and business impact Work closely with Risk, Data, Engineering, Operations, and Commercial teams Adapt proven international lending practices to the Nigerian market Requirements 4–7 years of Product Management experience Strong background in lending for SME / B2B clients Experience in international markets (Europe, LatAm, SEA, USA, UK, Russia, etc.) Solid understanding of risk frameworks, scoring, underwriting, and portfolio metrics Proven track record of scaling lending products Strong stakeholder management skills Highly data-driven decision-making approach Fluent English 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 We are expanding our B2B banking ecosystem and looking for a Product Manager (Internal Products) to build and scale the internal tools that power our SME operations. This is a highly execution-focused role. You will work closely with Engineering, Risk, and Operations to improve and automate internal systems that directly impact credit decisions, portfolio performance, and customer experience. We are looking for someone who can start delivering value within the first 4–6 weeks: defining roadmaps, writing specs, and working with engineering and operations. What You’ll Do Improve and scale internal tools used by SME operations and credit teams Gather requirements from stakeholders and turn them into clear product specs Write detailed PRDs and manage backlog with Engineering Identify inefficiencies in processes and propose automation solutions Support rollout of new features and ensure adoption by internal teams Bring practical best practices from international fintech / banking markets Requirements 4–7 years of Product Management experience Hands-on experience building or improving internal/back-office systems Experience in fintech or banking Strong execution mindset — comfortable moving fast and delivering Experience working with cross-functional teams (Engineering, Risk, Ops) Exposure to international fintech/banking markets Fluent English 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 To support and manage Renmoney’s treasury activities, including liquidity management, funding, investments, and regulatory compliance, ensuring optimal funding cost, adequate liquidity buffers, and strict adherence to CBN regulations applicable to Microfinance Banks. The role supports Renmoney’s core business of consumer lending and financial services by ensuring stable funding, efficient cash deployment, and strong treasury governance. CORE RESPONSIBILITIES Liquidity & Funding Management Monitor daily cash positions across all Renmoney accounts Daily reconciliation and call over of all Bank accounts Booking of deposits Liquidations of deposits Maintenance of FD schedule with regular reconciliation to the system Support maintenance of adequate liquidity buffers in line with internal policy and CBN guidelines Sound and efficient relationship management with all internal stakeholders Support funding activities (bank lines, placements, borrowings) Assist in regulatory reporting and data collation Support deal execution under supervision Maintain treasury databases, trackers, and schedules Treasury Operations Execute and monitor treasury transactions Maintain deal tickets, confirmations, and transaction records Ensure accurate posting and reconciliation of treasury transactions Regulatory & Compliance (CBN-Focused) Ensure compliance with internal treasury policies, approval limits, and delegation of authority Maintain audit-ready documentation for internal, external, and regulatory reviews Risk Management & Controls Identify and escalate liquidity, funding, market, and operational risks Ensure adherence to segregation of duties and internal control standards Reporting & Analysis Prepare the daily Treasury report Support budgeting, forecasting, and ALCO presentations Requirements 2–5 years’ experience in Treasury, Finance, Banking, or Financial Services Exposure to non-bank financial institutions or finance companies is an advantage Qualifications Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field Certifications CIBN (Associate Member or in progress) – desirable Microfinance Certification Programme (MCP) – desirable Skills & Competencies Analytical Skills Strong numerical and data interpretation ability Basic understanding of liquidity ratios and funding structures Technical & Computer Skills Intermediate to advanced Microsoft Excel Working knowledge of PowerPoint and Word Familiarity with core banking or treasury systems People Skills Good communication and teamwork skills Willingness to learn and take guidance Personal Attributes Pays close attention to detail Integrity and compliance mindset Ability to work under pressure

Location: Lagos, Nigeria Who We Are We are building a category-defining financial institution focused on expanding access to credit for underbanked individuals and small businesses across Nigeria. Through innovative lending, savings, and deposit solutions, we are redefining convenience, speed, and customer experience. The Role The Recovery Manager is responsible for the overall performance of Non-Performing Loans (NPL) and Written-Off Recoveries, including exceeding monthly recovery targets, safeguarding portfolio quality, proactively addressing performance gaps, and fostering a high-performance recovery culture. This role is for operators who think in numbers and manage by data, are obsessed with targets, run rates, and gap closure, can balance firmness with customer empathy, take extreme ownership and deliver results under pressure, challenge inefficiency and raise the performance bar, and move fast, act decisively, and execute relentlessly. Responsibility 1. Target Ownership & Run-Rate Management Deliver 100%+ of monthly NPL and written-off recovery benchmarks. Translate monthly targets into weekly and daily run-rate expectations. Identify deficits early and execute structured recovery sprints. 2. Performance Governance Implement daily war-room reviews. Track PTP conversion rates, RPC rates, contactability, and agent productivity. Reallocate high-value accounts to top performers when necessary. Enforce strict accountability at Team Lead and Agent levels. 3. Strategy & Continuous Improvement Design and execute data-driven recovery strategies. Lead portfolio segmentation (balance-based, risk-based, behavior-based). Improve PTP kept rates and reduce roll-forward rates. Introduce structured incentive models to drive productivity. 4. Team Leadership & Capability Building Recruit, develop, and retain high-performing recovery talent. Coach Team Leads to operate with discipline and urgency. Build a performance culture where underperformance is corrected quickly. 5. Executive Reporting & Insight Provide sharp, insight-led reporting to executive management. Forecast month-end outcomes based on real-time run rate. Highlight risks to profitability early and propose mitigation plans. Requirements Mandatory HND or BSc in a relevant discipline. Minimum of 7+ years’ experience in Recoveries (consumer lending or fintech preferred). Proven track record of consistently hitting or exceeding recovery targets. Strong analytical capability and data fluency. Advantageous Experience in digital collections platforms. Exposure to credit risk or portfolio analytics. Experience managing >20 collectors. Core Competencies Advanced negotiation and objection handling. Data-driven decision making. Strong execution discipline. Conflict resolution and escalation management. High emotional resilience under pressure. Clear and confident communication at all levels.

Location: Lagos, Nigeria Role Summary Renmoney is seeking a strategic, innovative, and experienced Product Manager responsible for the development, management, and strategic positioning of wealth management and private banking products, ensuring tailored solutions that grow assets under management, drive deposit mobilization, and meet clients' sophisticated needs. The Product Manager balances client-centric innovation with compliance, profitability, and competitive differentiation, supporting the bank’s growth agenda in premium and retail segments.​ Key Responsibilities Design, launch, and manage wealth management and private banking products including fixed deposits, bonds, commercial papers, and high-value savings accounts, tailored to individuals and SMEs.​ Conduct market research, assess customer needs, and analyze competitor offerings to inform product strategy and pipeline.​ Monitor product performance metrics (growth, adoption, profitability, cost of funds), regularly reviewing strategy to ensure AUM and revenue targets are achieved.​ Collaborate with digital, compliance, operations, and sales teams to ensure products are secure, scalable, and regulatory compliant.​ Support relationship managers and sales teams with training, tools, and product information, enabling them to drive growth and cross-sell across the bank's premium client base.​ Develop product roadmaps, prepare business cases, and manage regulatory submissions and approvals for new products and enhancements.​ Drive customer engagement initiatives, ensuring superior client experience and retention in private banking channels.​ Lead quarterly product reviews, ensuring internal process alignment and continuous improvement around client satisfaction and portfolio profitability.​ Requirements Bachelor’s degree (Business, Finance, Economics, or allied disciplines); professional certifications in wealth management/financial planning are advantageous.​ Minimum of 3–5 years’ experience in product development or relationship management, ideally in wealth/private banking or financial services within the Nigerian.​ Strong grasp of financial market trends, regulatory frameworks, and wealth management instruments relevant to microfinance and premium banking.​ Excellent analytical, communication, and stakeholder management skills. Proficiency in digital product analytics/tools is a plus.​ Demonstrated ability to deliver client-focused solutions and grow profitable product portfolios.​

Location: Lagos, Nigeria Product Strategy & Ownership Own the end-to-end strategy for Renmoney’s savings products, including: Everyday savings accounts Fixed or term deposits Structured and goal-based savings products Future diaspora savings offerings Translate Renmoney’s 2025–2027 long-term business strategy into a clear product roadmap for savings. Ensure savings products support: Deposit growth Lower funding costs Healthy balance between short-term and long-term funds Define product value propositions for different customer groups such as individual retail customers, small and medium-sized businesses, and Nigerians in the diaspora. Balance Sheet & Commercial Performance Work closely with the Finance and Treasury teams to: Improve the mix between on-demand savings (money customers can withdraw anytime) and fixed deposits (money locked for a specific period) Reduce the Cost of Funds (COF), which means how much the bank pays customers for deposits Model how pricing, interest rates, and savings tenors affect profitability and liquidity Own key savings performance metrics, including: Total deposits and monthly net inflows Average balance per customer Cost of Funds (interest paid on deposits) Customer retention and churn (how many customers stay or leave) Execution & Delivery Lead cross-functional execution with: Engineering (software development) Design (user experience and interface) Risk Management Compliance (regulatory adherence) Operations and Customer Support Marketing and Growth teams Write Product Requirement Documents (PRDs) that clearly describe what is being built and why. Prioritize features and initiatives based on customer value, risk, effort, and business impact. Ensure savings features are reliable, scalable, compliant with regulations, and easy for customers to use. Governance, Risk & Compliance Represent savings products in the Product Governance Council (PGC), which is the internal committee that reviews, approves, and governs all product changes. Participate in Asset and Liability Committee (ALCO) sessions, where senior leaders manage: Liquidity (availability of cash) Interest rate risk Funding strategy Ensure savings products comply with: Central Bank of Nigeria (CBN) regulations Nigeria Data Protection Regulation (NDPR), which governs customer data privacy Internal audit, risk, and control frameworks Proactively identify risks, trade-offs, and dependencies before they become issues. Customer Experience & Growth Improve savings adoption through: Simple and clear onboarding Smooth funding and withdrawal experiences Transparent communication of interest, penalties, and terms Use savings as a foundation to cross-sell other products such as loans and payments. Work with the Analytics team to understand customer behavior and lifetime value. Requirements 6–10+ years of Product Management experience Direct experience with banking, savings, or deposit products Experience working in regulated financial institutions such as banks, microfinance banks, or fintechs Proven ability to own products that impact revenue and the balance sheet Experience working closely with Finance, Risk, and Compliance teams Skills & Competencies Strong understanding of financial concepts such as interest rates, liquidity, and funding costs Data-driven decision-making combined with sound professional judgment Ability to operate at both strategic and execution levels Strong written and verbal communication skills, including with executive leadership High sense of ownership and accountability Success Metrics (First 12–18 Months) Consistent growth in customer deposits Improved funding efficiency through a better deposit mix Strong adoption and retention of savings products On-time delivery of roadmap initiatives that meet regulatory and audit requirements Clear, trusted product leadership in executive and governance forums Nice-to-Have Experience with diaspora banking or international savings products Exposure to senior financial decision-making forums such as ALCO Experience in fast-growing fintech or digital banking environments Familiarity with analytics, experimentation, and customer insight tools Key Stakeholders Head of Product Finance and Treasury teams Risk Management and Compliance teams Engineering and Design teams Marketing and Growth teams Executive Management, including: Chief Executive Officer (CEO) Deputy Chief Executive Officer Asset and Liability Committee (ALCO) Product Governance Council (PGC) Benefits Why Join Renmoney Opportunity to shape the savings foundation of a modern Nigerian digital bank High visibility and direct impact on business performance Strong governance, leadership support, and product culture A role that combines product leadership, financial performance, and customer impact

Location: Lagos, Nigeria Product Strategy & Ownership Own the end-to-end product strategy for all bill payment and transfer products, including: Airtime and mobile data purchases Utility bill payments (electricity, cable television, internet, etc.) Bank-to-bank transfers Translate Renmoney’s long-term digital banking strategy into a clear roadmap for payments. Define how payments support: Daily customer engagement Deposit inflows and account usage Cross-sell into savings and lending products Define value propositions for different customer segments, including retail customers and small business users. Payments Performance & Commercial Outcomes Own key performance indicators for payments, including: Transaction volumes and values Success and failure rates Revenue from fees or commissions Cost per transaction Work closely with Finance to: Optimize transaction pricing and incentives Manage partner costs and margins Track the impact of payments on deposit balances Identify opportunities to improve unit economics without degrading customer experience. Execution & Delivery Lead cross-functional delivery with: Engineering teams building mobile, web, and backend systems Design teams responsible for user experience Operations and Customer Support teams handling exceptions and disputes Write clear Product Requirement Documents , which describe what is being built, why it matters, and how success will be measured. Prioritize initiatives based on customer impact, reliability, compliance, effort, and business value. Ensure payment and transfer flows are fast, intuitive, and resilient, even during peak usage periods. Reliability, Risk & Compliance Ensure payments products meet regulatory and operational requirements, including: Rules set by the Central Bank of Nigeria , which regulates banking and payment services Requirements from the Nigeria Inter-Bank Settlement System , which operates national payment infrastructure Data privacy rules under the Nigeria Data Protection Regulation Partner with Risk and Compliance teams to manage: Fraud risks Transaction disputes and reversals Customer protection and error handling Represent payments initiatives in the Product Governance Council , which approves and oversees all product changes. Partner & Ecosystem Management Own product relationships with external partners such as: Payment processors Utility service providers Telecommunications companies Define service-level expectations, which set standards for uptime, response times, and issue resolution. Work with Legal, Procurement, and Operations to ensure partner integrations are scalable and compliant. Customer Experience & Growth Improve adoption and repeat usage of bill payments and transfers through: Simple onboarding and clear user flows Transparent pricing and confirmations Fast issue resolution when transactions fail Use payments as a driver of daily engagement that increases: Account funding Customer lifetime value Work with Analytics teams to understand usage patterns and identify growth opportunities. Requirements 6–10+ years of Product Management experience Direct experience with payments, transfers, or transaction-heavy digital products Experience working in regulated financial or fintech environments Proven track record of delivering reliable, high-volume systems Experience collaborating with Finance, Risk, Compliance, and Operations teams Skills & Competencies Strong understanding of payment flows and transaction lifecycles Ability to balance speed, reliability, risk, and cost Data-driven decision-making with strong execution discipline Clear communicator, comfortable engaging senior leadership High ownership mindset and attention to detail Nice-to-Have Experience with large-scale payment platforms or utility integrations Exposure to fraud prevention or dispute management systems Experience in high-growth fintech or digital banking environments Familiarity with analytics and monitoring tools for transaction performance Key Stakeholders Head of Product Engineering and Design teams Operations and Customer Support Finance and Treasury teams Risk Management and Compliance teams Executive Management, including: Chief Executive Officer Deputy Chief Executive Officer Product Governance Council Success Metrics (First 12–18 Months) High and improving transaction success rates Growth in payment transaction volumes and active users Reduced transaction failure rates and customer complaints Strong partner reliability and service performance Clear contribution of payments to customer engagement and deposits Benefits Opportunity to build products customers use every day High-impact role at the heart of Renmoney’s digital banking strategy Strong executive visibility and ownership A chance to shape reliable, scalable payment infrastructure in Nigeria

Location: Lagos, Nigeria The Treasury Manager is responsible for managing Renmoney’s liquidity, funding, and treasury risk framework, ensuring adequate liquidity to support loan growth, optimizing funding costs, and maintaining strict compliance with CBN regulations applicable to finance companies and microfinance-regulated entities (where applicable). The role provides leadership in liquidity forecasting, scenario analysis, stress testing, funding strategy execution, ALCO support, and stakeholder management, while upholding the highest standards of integrity, governance, and regulatory compliance. Key Responsibilities 1. Liquidity Management & Forecasting Own and manage Renmoney’s daily, weekly, and medium-term liquidity position Develop and maintain cash flow forecasts aligned with loan disbursement and repayment cycles Ensure adequate liquidity buffers in line with internal policy and regulatory expectations Monitor liquidity ratios, early-warning indicators, and funding gaps 2. Scenario Analysis & Stress Testing Design, implement, and review liquidity stress tests and scenario analyses (base, adverse, and severe) Assess the impact of funding withdrawals, market shocks, and portfolio stress Recommend contingency funding actions and risk mitigation strategies Present stress-testing outcomes and recommendations to ALCO and Senior Management 3. Funding Strategy, Markets & Execution Develop and execute funding strategies across bank borrowings, Commercial Paper (CP), REPOs, and alternative funding structures Demonstrate a strong understanding of money market instruments and derivative products used for funding and risk management Monitor market conditions, pricing trends, investor appetite, and rollover risks Optimize cost of funds within approved liquidity and risk limits 4. Commercial Paper (CP) & Capital Markets Support the structuring, issuance, and management of Commercial Paper programmes Liaise with issuing houses, trustees, rating agencies, and investors Monitor CP maturity profiles and refinancing risks Ensure compliance with regulatory, documentation, and disclosure requirements 5. Banking & Counterparty Relationship Management Build and maintain strong relationships with deposit money banks, financial institutions, and market counterparties Negotiate funding lines, pricing, covenants, and terms Manage counterparty concentration and diversification Act as Renmoney’s primary treasury interface with banking partners 6. ALCO & Management Reporting Prepare and present comprehensive ALCO packs, including liquidity dashboards, funding analysis, stress-testing results, and market outlook Provide clear, actionable recommendations to ALCO Track and implement ALCO decisions and resolutions 7. Risk Management, Controls & Regulatory Compliance Ensure full compliance with CBN regulations, including requirements applicable to Microfinance Banks and finance companies (as relevant) Ensure adherence to internal treasury policies, approval limits, and delegation of authority Maintain strong treasury controls, segregation of duties, and audit trails Support internal audit, external audit, and CBN examinations 8. Stakeholder Management (Internal & Regulatory) Collaborate effectively with Finance, Risk, Compliance, Operations, and Business Teams Support engagement with regulators and respond to regulatory inquiries Translate regulatory developments into operational and policy actions 9. People Management, Ethics & Leadership Lead, mentor, and develop treasury team members Review and validate treasury analyses and reports Foster a culture of integrity, accountability, professionalism, and compliance Requirements Education Bachelor’s degree in Finance, Accounting, Economics, or Business Administration MBA or MSc Finance – added advantage Professional, Regulatory & Mandatory Certifications Mandatory / CBN-Recognised Microfinance Certification Programme (MCP) – mandatory or in progress, in line with CBN requirements for Microfinance Bank and regulated financial institution staff Professional Certifications (Strongly Preferred) CIBN (Associate or Full Member) ACI Dealing Certificate or ACT (AMCT / CTP) CFA (Level I or II) or FRM – added advantage Evidence of continuous professional development Analytical & Technical Skills Advanced liquidity modelling and forecasting Strong scenario analysis and stress-testing expertise Deep understanding of money market instruments, CP market, REPOs, and funding derivatives Strong quantitative and financial analysis capability Technical & Computer Skills Advanced Microsoft Excel (financial models, dashboards, sensitivity analysis) Strong PowerPoint skills for ALCO and senior management presentations Experience with treasury management systems and core banking platforms People Skills & Personal Attributes High ethical standards and integrity Strong leadership and mentoring ability Sound judgment and risk awareness Ability to work under pressure in dynamic environments Communication, Presentation & Stakeholder Skills Strong presentation skills at ALCO and the executive level Ability to explain complex treasury and market concepts clearly Strong negotiation and relationship-management capability 7–10 years of experience in Treasury, Financial Markets, or Banking / Non-Bank Financial Institutions Strong exposure to liquidity management, funding structures, CP issuance, and ALCO processes Experience in a microfinance or consumer lending environment is an advantage Key Performance Indicators (KPIs) Liquidity adequacy and stability Funding cost optimization Effectiveness of stress testing and scenario analysis Compliance with regulatory and treasury limits Quality of ALCO reporting and stakeholder engagement

Location: Ikoyi, Nigeria Job Summary: Renmoney is hiring a Field Recovery Officer to manage and recover overdue accounts through field operations and customer engagement. The role involves executing recovery strategies, negotiating realistic repayment plans, and advising on process improvements, all while maintaining regulatory and policy compliance. Key Responsibilities: Engage defaulting customers and recover overdue debts. Negotiate and monitor repayment plans based on financial assessments. Update recovery systems and provide insights on debt management strategies. Ensure adherence to legal and internal recovery processes. Deliver high-quality service aligned with company values and customer care policies. Requirements Bachelor's degree in business, finance, or a related field. Minimum of 2 years’ experience in collections or field recoveries. Knowledge of debt recovery principles and legal processes. Strong analytical, communication, and negotiation skills. Familiarity with call center optimization and financial systems. Skip tracing knowledge Ideal Candidate: Proactive, results-driven, and comfortable with ambiguity. A strong communicator and problem-solver. Enjoys fast-paced, collaborative environments. Not Ideal for Those Who: Prefer highly structured roles with constant direction. Thrive in large, hierarchical teams. Benefits A perfect place for people who enjoy prospecting and coming up with solutions to onboard and convert large-scale customer relationships A work environment that people who are a self-starters, take initiative, work collaboratively and can self-manage in ambiguity You will 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.

Location: Lagos, Nigeria; Beograd, Serbia; Limassol, Cyprus; Belarus; Moscow, Russia We’re looking for a Head of Product (Digital Collection) to shape and scale our digital collection ecosystem - from strategy and analytics to automation and technology. Your mission will be to build data-driven tools, optimize collection processes, and enhance recovery efficiency through smart products and innovation. Key Responsibilities: Develop, implement, evaluate, and continuously optimize collection strategies, tools, methods, and analytical models. Define and manage key KPIs for the collection department to ensure sustainable portfolio growth and operational efficiency. Identify growth opportunities, design and run pilot projects, test and implement new strategies. Drive process automation across collection operations — manage, assess, and modernize technical systems, including telephony and robotic solutions. Deploy and refine collection scoring models to improve segmentation and recovery outcomes. Collaborate with external vendors and technology partners to identify, integrate, and implement innovative solutions. Analyze key performance indicators for collection and pre-collection, monitor delinquency trends, and identify deviations and growth points. Automate analytics and reporting, manage the KPI system, and oversee team performance evaluation and motivation within the collection department. Requirements 3+ years of experience in a similar leadership role within a bank, microfinance organization, or collection agency. Proven experience in designing, launching, and optimizing business processes in the debt collection domain. Experience implementing and maintaining automated collection systems (including configuration of robotic tools and telephony). Strong technical acumen: understanding of APIs, system integrations, backlog management, and task prioritization. Solid SQL knowledge and ability to work with databases to analyze and optimize collection strategies. Data-driven and systematic approach to collection management — capable of translating ideas into measurable results and vice versa. Benefits Opportunity: The opportunity to work in an innovative fintech company with a global reach Benefits: Competitive salary, paid vacations and additional day-offs Growth Potential: Accelerating your product leadership career in a high-growth, innovation-driven fintech. Purpose: Build tools that empower thousands of clients to thrive and suceed.

Location: Lagos, Nigeria Renmoney is building the next-generation ecosystem for financial services in Nigeria, spanning retail savings, lending, digital banking, SME services and partnerships. As we expand beyond our mobile app, we are developing alternate channels that bring financial services closer to customers wherever they are. As Product Manager for Alternate Channels, you will act as the CEO of a pivotal business line. You will own the strategy, roadmap and commercial success of our alternate channels portfolio, covering agent banking, POS merchant acquiring, Distribution-led acquisition, banking, lending, and embedded finance (BaaS) partnerships. You will build products and platforms that put Renmoney’s services in the hands of every Nigerian, transforming corner shops into financial hubs and everyday apps into credit access points. This role demands strategic vision, hands-on execution, and strong commercial acumen. You will manage the P&L, collaborate with cross-functional teams, and ensure that our channels deliver profitable growth while adhering to regulatory requirements. Key Responsibilities 1. Strategic Leadership & Vision Develop and champion a compelling product vision for alternate channels, aligned with Renmoney’s mission of financial inclusion and business growth. Own the P&L for the alternate channels portfolio, setting pricing and revenue targets and managing costs to ensure profitability. Conduct market analysis, competitor benchmarking and customer research to identify new opportunities across agent banking, POS acquiring, distribution-led lending and embedded finance. Shape short- and long-term roadmaps for each channel, driving synergy with Renmoney’s core digital products. 2. Product Lifecycle Management & Execution Lead the end-to-end product development lifecycle from ideation, requirements gathering and user story creation to launch, iteration and retirement. Agent Banking: Design and enhance the agent platform (mobile and USSD) to facilitate deposits, withdrawals, transfers, bill payments and loan origination. Build a best-in-class agent onboarding and management system. POS Merchant Acquiring: Develop a differentiated value proposition for merchants. Oversee the strategy for POS devices, settlement processes and value-added services such as merchant lending and inventory management. Distribution-Led Lending: Design and launch credit products that can be offered through partners (e.g., retail chains, device financiers, agent networks), balancing growth with prudent risk management. Embedded Finance (BaaS): Define our API product suite, enabling third-party fintechs and businesses to integrate Renmoney’s credit and financial services into their platforms. 3. Growth, Efficiency & Customer Experience Collaborate with Sales and Marketing to design and execute acquisition and activation strategies for agents and merchants. Drive performance against numeric targets Increase the number of active agents and merchants by ≥30% year-over-year. Grow the value and volume of loans and savings balances disbursed via alternate channels by ≥40%. Reduce onboarding and transaction turnaround times by ≥25%. Improve cost per acquisition (CPA) by ≥15% while maintaining healthy unit economics. Establish feedback loops with agents, merchants and partners and use data to drive continuous improvement in product features and processes. Champion a world-class experience for all stakeholders and ensure high Net Promoter Scores (NPS), targeting a ≥20‑point improvement. 4. Compliance & Risk Management Ensure all alternate channels adhere to Central Bank of Nigeria (CBN) regulations and other applicable standards. Maintain 100% KYC compliance and zero major regulatory incidents. Work closely with Risk, Compliance and Legal teams to design products and processes that minimize fraud and support robust credit risk management. Maintain a non-performing loan (NPL) rate below 5% for loans disbursed via alternate channels. Lead regular audits and embed controls throughout the product lifecycle. Success Metrics / KPIs Your performance will be measured against clear, quantifiable KPIs that directly tie to business outcomes: • Scale & Reach: ≥30% YoY growth in active agents and merchants; monthly transaction volume and value targets for agent banking and POS acquiring. • Portfolio Growth: ≥40% YoY growth in loan disbursement and savings balances via alternate channels; maintain NPL rates under 5%. • Profitability: Achieve revenue and net transaction value (NTV) targets for each channel; manage the portfolio’s P&L to ensure profitable growth. • Efficiency & Quality: Reduce agent/merchant onboarding time and loan/savings processing turnaround times by ≥25%; maintain high transaction success rates (TSR) and improve CPA by ≥15%. • Compliance & Risk: 100% KYC compliance and zero major regulatory findings; robust fraud detection and risk mitigation. • Satisfaction: Achieve a ≥20‑point improvement in NPS for agents, merchants and partners; deliver best-in-class support and service resolution times. Requirements 5–7 years of product management or channel management experience in fintech, banking, payments or digital services. Hands-on experience launching and scaling at least one of the following: agent banking networks, POS merchant acquiring, B2B2C lending products, or embedded finance APIs. Proven track record managing a product P&L and executing growth strategies in emerging markets. Strong analytical and quantitative skills; proficiency in SQL, Excel, Mixpanel/Amplitude or similar analytics tools. Excellent stakeholder management and leadership skills; ability to influence cross-functional teams and engage senior stakeholders. Deep understanding of the Nigerian financial services regulatory landscape, particularly CBN guidelines on agent banking, POS acquiring, KYC and consumer protection. Bachelor’s degree in Business, Engineering or a related field; MBA or relevant certification (e.g., Certified Scrum Product Owner) is a plus. Benefits Renmoney is at the forefront of Nigeria’s digital banking revolution. We are democratizing financial services for millions of Nigerians and powering small businesses with innovative credit and savings solutions. As the Product Manager for Alternate Channels, you will: •          Build products that empower thousands of entrepreneurs and serve millions of customers. •          Own and grow a core engine of Renmoney's future; you are the CEO of your product with the autonomy to define roadmaps and the resources to execute them. •          Work on complex challenges alongside talented engineers, designers, marketers and risk professionals. •          Operate in one of the most dynamic and competitive fintech markets in the world, with the backing of an established and trusted brand. If you are ready to drive meaningful impact and build the next frontier of financial inclusion in Nigeria, Renmoney is the place to accelerate your career.

Location: Russia; Serbia; Georgia; Belarus We are seeking a highly skilled and strategic Head of Financial Modelling and Product Analytics to lead the design, development, and refinement of advanced financial and credit card models. This role plays a critical part in driving long-term profitability, optimizing business performance, and supporting strategic decision-making across the organization. The ideal candidate will have deep expertise in financial modelling and performance management, along with a strong track record of supporting business growth and regional expansion. Key Responsibilities Lead the development and enhancement of advanced financial and credit card models to support strategic decisions and long-term profitability. Provide analytical support for business strategy, regional expansion, and branch performance optimization. Oversee performance analytics, including reporting, productivity tracking, profitability analysis, and regional budget management. Drive business navigation through business case preparation, pilot execution, implementation tracking, and post-launch assessments. Develop pricing and profitability models across sub-segments, including LTP-based strategies, to maximize income. Partner with senior leadership to deliver actionable, data-driven insights that inform company-wide strategic initiatives and growth. Requirements 5+ years of experience in financial modelling, FP&A, or related analytical roles, with at least 3 years in a leadership position. Proven experience in financial planning and modelling, ideally within banking, fintech, or card services industries. Bachelor's degree in Finance, Accounting, Economics, or a related field (Master’s degree preferred). Strong proficiency with Excel, forecasting techniques, and data analysis tools such as SQL. Excellent analytical, problem-solving, and data interpretation skills, with a keen attention to detail. Well developed communication skills, team management skills. Strong communication and presentation skills with the ability to translate complex financial concepts for diverse stakeholders. Ability to work independently and manage priorities in a fast-paced, collaborative environment. Preferred Qualifications Experience supporting regional expansion and optimizing branch-level performance. Hands-on expertise in preparing business cases, supporting pilots, and conducting post-control assessments. Familiarity with statistical and data analytics tools such as Python or R. Advanced certification such as CFA, CPA, or MBA. Demonstrated ability to influence senior leadership and drive profitability initiatives. Benefits Flexible, fully remote full-time position. The opportunity to work with a global, innovative fintech company shaping the future of digital banking. Engaging, challenging projects with a direct impact on business performance. A collaborative and supportive team environment with room for professional growth.

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. We are the place for you, if You’re excited about technology and the future, and you’re looking for a place to learn and grow. You care a lot about detail and pride yourself in impeccable execution. You are adept at identifying, assessing, mitigating, monitoring and reporting risks, and ensuring controls are working effectively. 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 You will conduct assigned operational and IT audit reviews and investigation with a view to providing assurance to the Board and Senior Management those controls are in place, adequate and operating effectively to support the Company in achieving its goals. Responsibilities Conduct risk assessment and audits of departments/functional areas in accordance with the audit plan. Timely investigation of all fraud cases, customer complaints, general investigation and any assigned special investigation as may be assigned from time to time. Provide practical recommendations to management to minimize risk resulting from poor internal controls. Provide assurance that controls are in place and are effective and adequate and make recommendations where necessary. Track resolution of all audit / control recommendations and ensure compliance within agreed timeline. Create and improve homogenous Control Culture across all units of the Bank that aligns with the business objectives of the Bank. Requirements Requirements Required: B.Sc degree in any field. Minimum of 4 years’ experience performing Internal Control/Audit function. This job is perfect for you if you: Have advanced knowledge of auditing processes/procedures. Have the ability to balance detail with departmental goals/objectives. Have excellent verbal and written communication skills. Are excel and numbers-savvy and very detail oriented. 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 What’s in it for you 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.

Location: Lagos, Nigeria Are you passionate about crafting personalized financial strategies that empower clients to achieve their wealth goals? Renmoney is on the lookout for an enthusiastic Wealth Manager to join our dynamic team. In this role, you will have the exciting opportunity to build strong relationships with clients, understanding their unique financial situations and aspirations to offer tailored wealth management solutions. What You'll Do: Conduct comprehensive financial assessments to understand the investment needs and objectives of individual clients. Drive monthly bulk deposit; a minimum of 250 million naira or more based on business needs Develop and implement personalized investment strategies that align with clients’ financial goals while managing risk effectively. Provide ongoing financial advice, ensuring that clients are updated on market trends, investment performance, and product offerings. Build and maintain strong, long-lasting relationships with clients through regular communication and exceptional service. Collaborate with cross-functional teams to offer clients a full range of financial services, including investment, retirement, and estate planning. Stay up-to-date with market developments and industry trends to provide informed recommendations to clients. Participate in client meetings and presentations to explain investment strategies and address any concerns. If you are ready to make a meaningful impact in the lives of clients and bring their financial visions to life, we want to hear from you! Requirements A Bachelor's degree in Finance, Business Administration, or a related field; a master’s degree or relevant professional certification (CFA, CFP) is a plus. Minimum of 3-5 years of experience in wealth management, financial advisory, or related fields. Excellent interpersonal and communication skills with the ability to connect with clients and understand their needs. Strong analytical skills and knowledge of investment products, portfolio management, and financial planning. Proficiency in financial analysis tools and software, including Excel and wealth management platforms. Demonstrated ability to meet and exceed sales targets and manage client relationships successfully. Benefits Join us for a rewarding career where you'll enjoy competitive pay and collaborate with incredible colleagues. Experience a stunning workplace with a flat hierarchy, where you'll tackle challenging, real-world issues. This position also offers a range of exciting benefits, such as: Generous monthly performance-driven incentives Attractive interest rates of up to 26% for clients A dynamic and encouraging work environment Ongoing competency-focused training opportunities Strong teamwork and collaboration Well-defined career development and advancement paths 25 days of annual leave, 5 months of maternity leave, 1 month of paternity leave, and a comprehensive HMO plan

Location: Ikoyi, Nigeria About the Role We are looking for a target-driven Deposit Mobilization Officer to join our growing team. In this role, you will be responsible for sourcing and mobilizing a minimum of ₦50 million in deposits monthly , working closely with high-net-worth individuals (HNIs), corporates, and institutional clients. You will play a key part in expanding our deposit base through client acquisition, relationship management, and strategic deposit initiatives. This role is ideal for someone with a strong financial services background and a track record in client relationship management or deposit mobilization. Key Responsibilities Develop and execute strategies to mobilize deposits from individuals and corporate clients. Identify and onboard new clients, ensuring a monthly deposit target of at least ₦50 million. Deepen relationships with existing clients to increase deposit volume. Collaborate with internal teams and the Senior Wealth Manager to tailor investment and deposit solutions for clients. Maintain a robust pipeline of prospects and update daily activity reports. Conduct periodic reviews with clients and ensure customer satisfaction. Requirements Minimum of 2 years’ experience in a similar role (Relationship Manager, Sales Officer, or Business Development Officer in a financial institution). Proven experience in deposit mobilization or wealth/client portfolio management. Strong network of HNIs, professionals, and corporates. Excellent interpersonal, networking, and communication skills. Goal-oriented, self-driven, and results-focused. Bachelor's degree in Business, Finance, Economics or related field. Preferred Background in commercial banking, microfinance, or asset management firms. Strong knowledge of financial products and investment options. Ability to work under pressure and meet monthly deposit targets. Benefits Competitive base salary with attractive commission structure. Supportive team and structured career development. Access to an existing network of senior wealth advisors and business opportunities.

Location: Ikoyi, Nigeria Company Overview Renmoney is committed to improving financial inclusion for underbanked individuals and small business owners in Nigeria by providing accessible financial solutions such as loans, savings, and fixed deposit accounts. Our innovative approach and customer-centric values drive us to create meaningful connections with our clients. Position Overview As a Collections Agent at Renmoney, you will play a crucial role in contacting customers to follow up on outstanding payments, negotiate repayment plans, and ensure a positive customer experience while effectively managing collections. Your ability to communicate clearly and empathetically will help facilitate timely payments and strengthen customer relationships. Key Responsibilities Contact customers via phone, email, or in-person to follow up on overdue accounts and negotiate repayment arrangements. Educate customers about their account status and available payment options, ensuring transparency and understanding. Maintain accurate records of customer interactions, payment agreements, and follow-up actions within the company's systems. Offer excellent customer service while dealing with sensitive financial matters and managing customer objections. Collaborate with the Collections team to strategize ways to improve recovery rates and reduce delinquency. Report on progress regularly to management and escalate critical concerns for resolution. Maintain compliance with applicable laws and regulations surrounding collections practices. Requirements Qualifications and Skills Minimum of 1 year of experience in collections, customer service, or a related field. Strong problem-solving skills and the ability to handle objections professionally. Excellent verbal and written communication skills. Proficiency in using MS Office Suite and CRM systems. Ability to work independently and as part of a team in a fast-paced environment. Detail-oriented with strong organizational skills. Bachelor’s degree in Finance, Business Administration, or a related field is a plus. 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.

Location: Lagos, Nigeria -          Evaluate SME and corporate loan applications by analyzing financial statements, cash flow, business models, and creditworthiness -          Identify and assess key risks (financial, industry, management, collateral) and recommend appropriate mitigants. -          Structure credit facilities in line with the borrower's needs and the bank’s risk appetite, including terms, pricing, and security requirements -          Draft detailed credit proposals or memos with clear justifications, risk analysis, and recommendations for approval. -          Liaise with relationship managers, legal, and risk teams to coordinate customer due diligence, site visits, and validation of submitted documents. -          Monitor assigned portfolio performance, ensure covenant compliance, and flag early warning signs or deterioration in credit quality. -          Ensure all credit evaluations and decisions adhere to internal policies, regulatory guidelines, and credit approval frameworks. -          Assess adequacy and enforceability of collateral, and work with legal to ensure proper documentation and perfection. -          Collaborate with Relationship Managers, Credit Committee, and other internal stakeholders to drive timely and sound credit decisions Requirements -          Proven experience in SME underwriting and credit risk assessment, with at least [3] years of experience in SME/Corporate credit analysis. -          Commercial banking experience as a credit analyst would be a plus -          Strong analytical skills with the ability to interpret financial statements, assess creditworthiness, and make data-driven lending decisions. -          In-depth knowledge of lending regulations, risk management principles, and best practices in underwriting. -          Excellent interpersonal skills, effective communication skills, both verbal and written, with the ability to articulate complex financial concepts to non-financial stakeholders. -          A strategic mindset with a keen focus on portfolio performance and risk management. 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. We are the place for you, if You’re excited about technology and the future, and you’re looking for a place to learn and grow. You care a lot about detail and pride yourself in impeccable execution. You are adept at identifying, assessing, mitigating, monitoring and reporting risks, and ensuring controls are working effectively. 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.