PalmPay Recent Job Openings

PalmPay is an Africa-focused fintech firm, launched in 2019. PalmPay is a mobile payments platform that offers a number of financial services.

We are recruiting to fill the position below:

Job Title: Anti-Fraud Officer

Location: Nigeria
Employment Type: Full-time

Responsibilities

• Review suspicious transactions.
• Investigate and resolve irregular activities.
• Identify security enhancements.
• Collaborate with teams, banks, regulators, and more.

Requirements

• Bachelor’s Degree.
• 2-5 years of Anti-Fraud experience.
• Strong knowledge of fraud detection and security management.
• Proficiency in Microsoft Office.

Application Closing Date
Not Specified.

Method of Application
Interested candidates can apply by sending their CV to: [email protected] using the job title as the subject of the mail.

Job Title: Merchant Credit Manager

Location: Nigeria
Employment Type: Full-time

Job Summary

• We are seeking an experienced and results-driven Merchant Credit Manager to lead the development and management of credit facilities for PalmPay’s merchant partners.
• The Merchant Credit Manager will play a pivotal role in driving financial growth and ensuring that our merchants have access to the credit solutions they need.

Key Responsibilities
Credit Facility Development:

• Team Leadership:
  • Build, lead, and mentor a high-performing team of credit analysts and credit sales officers.
  • Set clear performance goals and provide ongoing guidance and feedback.
  • Foster a collaborative and innovative team culture.
• Credit Product Development:
  • Collaborate with the product development team to design and refine credit products tailored to merchant needs.
  • Continuously assess market trends and competition to enhance credit offerings.

Credit Risk Management:

• Credit Assessment:
  • Oversee credit risk assessment processes, including financial analysis and credit scoring.
  • Ensure thorough due diligence in evaluating merchant creditworthiness.
• Policy Development:
  • Develop and implement credit policies and procedures in compliance with regulatory guidelines.
  • Monitor and adjust credit policies to mitigate risk effectively.

Relationship Management:

• Merchant Engagement:
  • Build and maintain strong relationships with merchant partners.
  • Provide guidance and support to merchants regarding credit options and financial education.
• Stakeholder Collaboration:
  • Collaborate with cross-functional teams, including sales, operations, and compliance, to optimize credit processes and deliver excellent service to merchants.

Reporting and Compliance:

• Performance Monitoring:
  • Monitor the performance of credit facilities and the portfolio’s health.
  • Provide regular reports and insights to senior management.
• Regulatory Compliance:
  • Ensure compliance with all relevant regulatory requirements and reporting.

Qualifications and Skills

• Bachelor’s Degree in Finance, Business Administration, or a related field. Master’s Degree is a plus.
• Proven leadership experience in credit operations or credit risk management.
• Strong analytical and financial assessment skills.
• Excellent interpersonal and communication abilities.
• Knowledge of fintech credit products and market dynamics.
• Familiarity with regulatory requirements related to credit operations.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should send their CV to: [email protected] using the Job Title as the subject of the mail.

Job Title: Collections Supervisor

Locations: Nigeria
Employment Type: Full-time

Job Description

• We are seeking an experienced and results-driven Collection Supervisor to lead our collections team.
• The Collection Supervisor will be responsible for developing and executing strategies to effectively manage and recover outstanding debts while maintaining strong customer relationships.

Key Responsibilities
Strategy Development:

• Develop and implement effective debt collection strategies.
• Continuously review and enhance collection processes to maximize recovery rates.
• Analyze customer data to identify patterns and trends in delinquent accounts.

Team Leadership:

• Lead and motivate the collections team to achieve targets and objectives.
• Provide coaching, training, and performance feedback to team members.
• Set clear performance goals and monitor team progress.

Portfolio Management:

• Monitor and manage the company’s loan portfolio.
• Review and categorize delinquent accounts, implementing appropriate collection actions.
• Establish and maintain appropriate collection policies and procedures.

Communication and Customer Relations:

• Develop and maintain positive relationships with customers.
• Handle escalated customer inquiries and complaints regarding collections.
• Ensure compliance with regulatory guidelines while interacting with customers.

Reporting and Analysis:

• Prepare regular reports on collection performance for management.
• Analyze data to identify areas for improvement and implement corrective actions.
• Monitor key performance indicators (KPIs) related to collections.

Legal Compliance:

• Stay updated on relevant laws and regulations governing debt collection.
• Ensure all collection practices are compliant with legal requirements.

Qualifications and Skills

• Bachelor’s Degree in Finance, Business Administration, or a related field. Master’s Degree is a plus.
• Proven experience in collections management, preferably in a financial institution or fintech.
• Strong leadership and team management skills.
• Excellent communication and negotiation abilities.
• Analytical mindset with the ability to interpret data and make informed decisions.
• Knowledge of relevant laws and regulations governing debt collection.
• Proficiency in using collection software and tools.
• Strong organizational and problem-solving skills.

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should:
Click here to apply online

Job Title: Area Sales Manager

Locations: Nigeria
Employment Type: Full-time

Job Description
Sales Management:

• Prospecting: Identify key merchants and target markets for POS sales, utilizing various sources such as online directories, industry events, and referrals. Develop sales plans and strategies to achieve or exceed sales targets within the assigned area.
• Client Engagement: Initiate contact with potential clients, establish rapport, and schedule meetings or product demonstrations to showcase the benefits of our POS system.
• Needs Assessment: Conduct thorough assessments of clients’ business operations, payment processes, and pain points to understand their specific requirements and challenges.
• Solution Presentation: Present our POS solution in a compelling and tailored manner, highlighting its features, functionality, and potential return on investment for the merchant.

Team Leadership:

• Train, and motivate a high-performing sales team.
• Set clear performance expectations, provide regular feedback, and conduct performance evaluations.
• Foster a positive and collaborative work environment to promote teamwork and achieve sales goals
• Monitor sales performance and provide guidance and support to the sales team to meet their individual and team objectives.
• Identify areas of improvement and implement corrective actions to optimize sales effectiveness.

Relationship Building:

• Build and maintain strong relationships with key merchants, distributors, and other relevant stakeholders.
• Collaborate with the marketing department to develop promotional strategies and support marketing campaigns.
• Resolve merchants’ issues and complaints in a timely manner to maintain merchant satisfaction and loyalty.
• Cultivate strong relationships with key decision-makers within client organizations, demonstrating expertise, trustworthiness, and responsiveness.

Reporting and Analysis:

• Prepare regular sales reports, forecasts, and performance metrics for management review.
• Analyze sales data to identify trends, opportunities, and potential challenges.
• Provide insights and recommendations to improve sales performance and achieve business objectives.

Negotiation and Closing on Key Merchants:

• Negotiate pricing, terms, and contractual agreements to secure successful sales deals, ensuring mutual satisfaction and compliance with company policies.

Collaboration:

• Collaborate with internal teams, such as product development and merchant support, to address client inquiries, provide technical expertise, and ensure smooth implementation of the POS system.

Territory Management:

• Analyze market trends, merchant needs, and competitors’ activities to identify business opportunities.
• Allocate sales territories and set sales targets for team members based on market potential and business objectives.
• Ensure effective coverage of the assigned area by monitoring sales activities and implementing territory management strategies.

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should:
Click here to apply online

Job Title: Head of Credit Loan

Location: Nigeria
Employment Type: Full Time

Responsibilities

• Credit Strategy and Planning: Develop and implement credit strategies and plans that align with the organization’s goals and risk tolerance.
• Risk Assessment: Evaluate the creditworthiness of loan applicants, analyze financial data, and assess potential risks associated with loans.
• Loan Approval and Review: Make informed decisions on loan approvals, set appropriate terms and conditions, and ensure compliance with lending policies.
• Credit Policy Development: Establish and update credit policies, procedures, and guidelines to ensure consistent and effective lending practices.
• Team Management: Lead and manage a team of credit analysts, loan officers, and support staff, ensuring they follow best practices and achieve targets.
• Portfolio Management: Monitor the performance of the loan portfolio, track repayment schedules, and take appropriate actions on delinquent accounts.
• Compliance and Regulations: Ensure that all lending activities adhere to relevant Nigerian financial regulations, legal requirements, and compliance standards.
• Collaboration: Collaborate with other departments such as risk management, legal, and compliance to ensure a holistic approach to credit lending.
• Data Analysis: Utilize data analytics to evaluate lending trends, portfolio performance, and customer behavior, making data-driven decisions.
• Reporting: Provide regular reports to senior management and stakeholders on the credit portfolio’s performance, risk exposure, and compliance.

Qualifications

• Bachelor’s Degree in Finance, Economics, Business Administration, or a related field; Extensive experience in credit management, loan origination, and risk assessment within the Nigerian financial industry.
• More than 5 years Loan experience
• In-depth understanding of local regulatory and compliance requirements for lending activities in Nigeria.
• Strong leadership and team management skills, with the ability to inspire and guide a team effectively.
• Excellent analytical, problem-solving, and decision-making abilities.
• Effective communication and interpersonal skills to work with cross-functional teams and customers.
• Knowledge of financial technology (fintech) trends and tools for enhancing credit processes.
• Proven track record of achieving and exceeding credit portfolio targets.

Benefits

• Competitive compensation package and performance-based incentives.
• Opportunity to shape and innovate credit products in a growing fintech company.
• Comprehensive health insurance
• Exposure to cutting-edge technology and data-driven decision-making.
• Professional development opportunities and avenues for career growth.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

Job Title: Business Developer

Location: Nigeria
Job Type: Full time

Job Summary

• We are seeking a highly motivated and results-driven Business Developer to join our Pay With Transfer team.
• The field agent will play a crucial role in identifying and securing new business opportunities, driving revenue growth, and expanding our market presence. If you have a passion for sales, a deep understanding of payment solutions, and the ability to build strong relationships with clients, we want to hear from you.

Key Responsibilities

• Conduct research to identify potential clients, market trends, and opportunities for our Pay With Transfer solution.
• Generate leads through various channels such as offline marketing, cold calling, networking, referrals, and digital outreach.
• Build and maintain strong relationships with prospective clients, understanding their payment needs, and positioning our Pay With Transfer solution as the ideal choice.
• Develop and deliver compelling sales presentations to showcase the benefits of our Pay With Transfer offering.
• Collaborate with clients to negotiate pricing, contract terms, and other agreements.
• Meet and exceed monthly and quarterly sales targets.
• Identify opportunities to expand our Pay With Transfer solution into new industries and markets.
• Stay informed about competitor offerings and market developments to maintain a competitive edge.
• Work closely with cross-functional teams, including product development and marketing, to align strategies and achieve business goals.
• Maintain accurate records of sales activities and provide regular reports on sales performance and pipeline status.

Qualifications

• Bachelor’s Degree in Business, Marketing.
• Proven track record of successful business development and sales in the payment solutions industry.

Benefits

• N50,000 – Basic Salary
• N20,000 – Transport
• N0 – N30,000 – KPI

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should:
Click here to apply online