Recruitment at FairMoney

FairMoney is building the leading mobile bank for emerging markets. We started with a digital microcredit application on Android, and currently roll out additional financial services (current account, savings, debit card) while expanding the product to Western Africa and South-East Asia.

We are recruiting to fill the position below:

Job Title: Team Manager – Merchant Lending

Location: Nigeria

Job Summary

• The Team Manager will Manage with effectiveness and efficiency a team portfolio of customers with the strict minimum risk acceptance level by selling the different products of the company.
• The Por supervisor remains responsible of the portfolio activities of his/her team from promotion, loan assessment, disbursement collection and complete recovery.
• He / she is also responsible for having a good relationship with FairMoney’s clients and encourage them to buy all the products they are qualified for.

Key Responsibilities
Loan Officer Supervision:

• Manage Team of Portfolio managers play a team leadership role that motivates team members to achieve excellence.
• Ensure that individual loan officers on team meet monthly disbursement objectives.
• Ensure that individual loan officers on team meet monthly quality targets by maintaining a very strict minimum risk level.
• Monitor performance to make sure that every team member is performing to the optimum level and ensure that the policy and procedures are respected.
• Conduct pre-disbursement field visits with loan officers on team.
• Monitor daily repayment.
• Support loan officers with loan recovery, client acquisition.
• Approving loans when approval authorities are granted.
• Assessing periodically the performance of his/her team member for decision making.
• Support the area manager or the state manager in building a good working environment.
• Represent the institution towards active and potential partners with dignity and pride.

Training:

• Provide regular training for loan officers on team.
• Coach and mentor loan officers.

Reporting:

• Prepare daily reports on individual loan officer performance.
• Other tasks as assigned.

Requirements

• HND qualification / Bachelor’s Degree in Sales and Marketing or related fields.
• A minimum of 6 years of experience in Loan Sales / Portfolio Management and team management.
• Ability to motivate a team of Sales Managers for performance.
• Extremely flexible, result-oriented, and hardworking with a strong track record of success.
• Ability to self-motivate and manage self.
• Good communication and interpersonal skills.
• High level of integrity.
• Dynamic and motivated and individuals who like to work outdoors.
• Target Driven.

Benefits

• Private Health Insurance.
• Performance Bonus.
• Pension Plan.
• Training & Development.

Application Closing Date
Not Specified.

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

Recruitment Process

• A screening call with a member of the recruitment team for 30 minutes.
• Technical interview with the hiring manager for 30 to 60 minutes.

Job Title: Relationship Manager

Location: Nigeria

Roles and Responsibilities

• S/he will be responsible for driving the Merchant Acquiring business across various merchant sectors (Supermarkets, Pharmacies, Filling Stations, Eateries & Restaurants, Lounges & Bars, and Hotels) within the region and developing strategies to increase sales revenue
• Develop plans and strategic initiatives to grow the Merchant Acquisition business and achieve the company’s sales goals
• Manage and lead the Merchant Acquisition team within the region to deliver profitable growth
• Daily, weekly, and monthly monitoring of the KPIs of the Merchant team within the assigned region is required, ensuring all targets are consistently met and exceeded
• Drive the KAMs (Key Account Managers) to ensure they meet all KPIs for their respective teams
• Meet target quotas for the region’s set KPIs, including transaction value, volume, and revenue
• Monitor market trends and provide regular competitor feedback to the Merchant Acquisition Manager
• Have Strong understanding of the company’s products and services is essential, with the ability to advise others effectively
• Follow up with merchants, ensuring both active and inactive merchants are visited. Where necessary, they will facilitate the retrieval of POS terminals from inactive business partners within the region

Requirements

• Bachelor’s Degree in Sales and Marketing or related fields
• A minimum of 6 to 8 years of experience in the Merchant business
• Must have an Android phone
• Proven experience managing a high-performance sales team
• Ability to motivate a team of Sales Managers for performance
• Extremely flexible, result-oriented, and hardworking with a strong track record of success
• Ability to self-motivate and manage self
• Good communication and interpersonal skills
• Customer orientation and ability to adapt/respond to different characters.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.

Application Closing Date
Not Specified.

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

Recruitment Process

• A screening call with a member of the recruitment team for 30 minutes
• Technical interview with the hiring manager for 30 to 60 minutes.

Job Title: iOS Engineer

Location: Remote
Employment Type: Full-time

About the Role

• The role is to develop new service functionality for our iOS application that powers the interaction between our Mobile-first Microfinance bank and our worldwide customers. Functionality that acts to maximize customer experience and utility.

Responsibilities

• Designing and building mobile applications for Apple’s iOS platform
• Ensuring quality and performance of the application to specifications
• Fixing application bugs before the final release
• Increasing code generation coverage
• Maintaining the code and atomization of the application
• Designing and implementing application updates

Requirements

• 4+ years in native iOS development with expertise in Swift (including Swift 5+)
• 2+ years with SwiftUI and Combine
• 2+ years in pair programming, TDD, and code reviews
• 2+ years writing unit, instrumented, and end-to-end tests
• 2+ years maintaining CI pipelines
• Knowledge of Apple’s design principles and application interface guidelines
• You are able to manage complexity in a large project
• KMP experience is a big plus
• Composable architecture knowledge (optional)

Technical Skills:

• Ability to create clean, efficient, high-quality code
• Experience with multi-module applications
• Familiarity with Clean Architecture and frameworks like The Composable Architecture
• Knowledge of Git workflows, especially trunk-based development
• Skilled in leveraging Swift enums for clean, maintainable code
• Experience with method/property chaining patterns in Swift
• Understanding of Swift KeyPaths and their effective use
• Proficient with dependency managers such as CocoaPods and Swift Package Manager
• Knowledge of Unidirectional Data Flow (UDF) patterns and their role in application architecture
• Practical experience applying Redux-like state management in iOS apps

Soft skills:

• Driven by impact
• Great team player & communicator, who at the same time can also work autonomously
• Proactive and hard-working “Get it done” attitude
• Will to over-reach objectives.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.

Application Closing Date
Not Specified.

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

Recruitment Process

• Screening call of :30 minutes with a member from the HR team
• Deep Technical interview – with Mobile Leads : 90 minutes
• An additional interview with the Engineering Manager may be required.

Job Title: Sales Associate – B2B Cross Border Payments

Location: Nigeria (Remote)

About The Role

• The Sales Associate is responsible for managing and expanding our sales operations, and revenue generating processes B2B cross-border payments in the defined Market with demands for Africa Trades.
• The ideal candidate must bring a sound understanding and previous experience with FinTech’s, sales, account planning, treasury management and FX rates.

Key Responsibilities

• Drive sales efforts to maintain and grow revenue by developing and executing a detailed sales strategy that ensures scalable growth of a diverse and sustainable portfolio of clients with steady revenue flows
• Generate scalable, repeatable and predictable volume, net revenue and gross profit
• Align and optimize the entire customer experience with the aim of increasing revenue
• Focus on the sustainable acquisition of clients (Large Corporates, Mid – Size Corporates and Fintechs) who trade large volumes at target margins
• Ensure that the total client portfolio grows while being diversified, stable and profitable
• Ensure there is an approach to winning and growing our portfolio of clients with a focus on our pooling business model
• Team collaboration: Regularly collaborate with internal stakeholders such as marketing, partnerships & channels, revenue operations, product, compliance, finance, and treasury to optimize the customer experience and align on the revenue growth strategy
• Reporting: Analyze and present data to key internal stakeholders in order to inform impactful business decisions and help adapt tactics that drive profitable growth within the region
• Forecasting: Maintain an updated sales pipeline and ensure proper sales planning and forecasting.

Requirements

• Bachelor’s degree in business, finance, or a related field.
• Minimum of 5 years of experience in the payments industry, with a focus on B2B cross-border payments
• Proven track record of success in the B2B payment businesses in emerging markets
• Excellent analytical and problem-solving abilities, with a strategic mindset
• Effective communication and negotiation skills, with the ability to build and maintain relationships with clients, partners, and stakeholders
• Entrepreneurial mindset, with a passion for driving innovation and achieving results.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.

Application Closing Date
Not Specified.

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

Recruitment Process

• A screening call with a member of the recruitment team for 30 minutes
• Technical interview with the hiring manager for 30 to 60 minutes.

Job Title: Sales Associate – B2B Cross Border Payments

Location: Nigeria (Remote)

About The Role

• The Sales Associate is responsible for managing and expanding our sales operations, and revenue generating processes B2B cross-border payments in the defined Market with demands for Africa Trades.
• The ideal candidate must bring a sound understanding and previous experience with FinTech’s, sales, account planning, treasury management and FX rates.

Key Responsibilities

• Drive sales efforts to maintain and grow revenue by developing and executing a detailed sales strategy that ensures scalable growth of a diverse and sustainable portfolio of clients with steady revenue flows
• Generate scalable, repeatable and predictable volume, net revenue and gross profit
• Align and optimize the entire customer experience with the aim of increasing revenue
• Focus on the sustainable acquisition of clients (Large Corporates, Mid – Size Corporates and Fintechs) who trade large volumes at target margins
• Ensure that the total client portfolio grows while being diversified, stable and profitable
• Ensure there is an approach to winning and growing our portfolio of clients with a focus on our pooling business model
• Team collaboration: Regularly collaborate with internal stakeholders such as marketing, partnerships & channels, revenue operations, product, compliance, finance, and treasury to optimize the customer experience and align on the revenue growth strategy
• Reporting: Analyze and present data to key internal stakeholders in order to inform impactful business decisions and help adapt tactics that drive profitable growth within the region
• Forecasting: Maintain an updated sales pipeline and ensure proper sales planning and forecasting.

Requirements

• Bachelor’s degree in business, finance, or a related field.
• Minimum of 5 years of experience in the payments industry, with a focus on B2B cross-border payments
• Proven track record of success in the B2B payment businesses in emerging markets
• Excellent analytical and problem-solving abilities, with a strategic mindset
• Effective communication and negotiation skills, with the ability to build and maintain relationships with clients, partners, and stakeholders
• Entrepreneurial mindset, with a passion for driving innovation and achieving results.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.

Application Closing Date
Not Specified.

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

Recruitment Process

• A screening call with a member of the recruitment team for 30 minutes
• Technical interview with the hiring manager for 30 to 60 minutes.

Job Title: Product Manager – Merchant Onboarding

Location: Nigeria

About the role

• The Product Manager for Merchant Onboarding will own the end-to-end experience of how merchants discover, register, verify, and start using Fairmoney’s financial products.
• You will be responsible for crafting intuitive onboarding flows, ensuring regulatory compliance, and driving adoption by making it effortless for merchants to go live.
• This role demands strong problem-solving, execution discipline, and deep empathy for small and medium businesses in Nigeria’s fast-evolving fintech landscape.

Key Responsibilities

• Product Strategy & Vision
  • Define and execute the product vision for merchant onboarding aligned with Fairmoney’s growth objectives
  • Identify opportunities to streamline the onboarding journey and reduce friction
• Onboarding Experience
  • Design seamless, intuitive onboarding flows (KYC, document verification, activation)
  • Build merchant journeys that balance speed with compliance and trust
• Cross-Functional Execution
  • Collaborate with Engineering, Compliance, Risk, Operations, Sales, and Design teams to deliver onboarding solutions
  • Ensure scalability of onboarding processes to support rapid merchant growth
• Compliance & Risk Management
  • Work closely with Compliance and Risk teams to meet regulatory requirements (KYC/AML, CBN guidelines)
  • Anticipate risks in the onboarding process and design effective mitigations
• Data-Driven Optimisation
  • Define KPIs such as onboarding completion rate, time-to-activation, and merchant churn
  • Use analytics and customer insights to continuously improve funnel conversion
• Merchant Engagement & Feedback
  • Conduct interviews and research to understand merchant needs and pain points
  • Leverage feedback to refine onboarding flows and improve merchant satisfaction
• Market Awareness
  • Stay informed on fintech and merchant onboarding trends across Africa and globally
  • Benchmark against best-in-class solutions to ensure Fairmoney remains competitive

Requirements

• Bachelor’s Degree in Business, Finance, Computer Science, or related field; Master’s preferred
• Proven experience as a Product Manager, ideally in fintech, payments, or digital onboarding
• Strong knowledge of KYC/AML processes, merchant risk, and regulatory frameworks
• Deep familiarity with the Nigerian and broader African fintech landscapes; knowledge of local banking regulations and customer behaviours is highly advantageous
• Analytical skills with experience using tools like SQL, Excel, or BI dashboards
• Excellent communication and stakeholder management skills
• Entrepreneurial, detail-oriented, and customer-obsessed mindset

Benefits

• Private Health Insurance
• Pension Plan
• Training & Development
• Hybrid work
• Paid Time Off

Application Closing Date
Not Specified.

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

Recruitment Process

• Screening interview with a Senior Recruiter- 1 hour
• Technical Interview with Senior PM- 1 hour
• Final Interview with Head of Business Banking- 1 hour

Job Title: Process / Program Manager (Procurement & Cost Optimisation)

Location: Nigeria

Key Responsibilities

• Identify areas of efficiency in internal processes or products to save cost for the company.
• Evaluate current tools & recommend better & efficient tools.
• Maintain vendor relationships by communicating effectively and addressing inquiries and concerns promptly
• Conduct market research to identify potential suppliers and evaluate their offerings
• Support in negotiation processes and contract management
• Collaborate with internal departments to ensure alignment on procurement needs and strategies.
• Monitor market trends and identify new suppliers and products.
• Analyze and report on procurement metrics and savings achieved.

Requirements

• Bachelor’s degree in Supply Chain, Business Administration, Economics, or related fields
• Minimum of 5 years of experience in Operations, Strategy, or similar domains
• Advanced Excel proficiency (dashboards, modeling, pivots, automation)
• Strong project management and problem-solving skills
• Excellent communication, stakeholder management, and cross-functional collaboration
• Ability to thrive in fast-paced, high-growth, and execution-heavy environments.

Benefits

• 25 days paid vacation, Sick & Public Holidays to B2B contractors.
• Remote (timezone must have significant overlap with CET).
• Training & Development budget.
• Paid company business trips.

Application Closing Date
Not Specified.

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

Recruitment Process

• Screening call with Recruiter: 30 minutes
• Technical Interview with CFO FairMoney Business.
• Final interview with CFO Global.

Job Title: Team Manager – Merchant Lending

Location: Nigeria

Job Summary

• The Team Manager will Manage with effectiveness and efficiency a team portfolio of customers with the strict minimum risk acceptance level by selling the different products of the company.
• The Por supervisor remains responsible of the portfolio activities of his/her team from promotion, loan assessment, disbursement collection and complete recovery.
• He / she is also responsible for having a good relationship with FairMoney’s clients and encourage them to buy all the products they are qualified for.

Key Responsibilities
Loan Officer Supervision:

• Manage Team of Portfolio managers play a team leadership role that motivates team members to achieve excellence.
• Ensure that individual loan officers on team meet monthly disbursement objectives.
• Ensure that individual loan officers on team meet monthly quality targets by maintaining a very strict minimum risk level.
• Monitor performance to make sure that every team member is performing to the optimum level and ensure that the policy and procedures are respected.
• Conduct pre-disbursement field visits with loan officers on team.
• Monitor daily repayment.
• Support loan officers with loan recovery, client acquisition.
• Approving loans when approval authorities are granted.
• Assessing periodically the performance of his/her team member for decision making.
• Support the area manager or the state manager in building a good working environment.
• Represent the institution towards active and potential partners with dignity and pride.

Training:

• Provide regular training for loan officers on team.
• Coach and mentor loan officers.

Reporting:

• Prepare daily reports on individual loan officer performance.
• Other tasks as assigned.

Requirements

• HND qualification / Bachelor’s Degree in Sales and Marketing or related fields.
• A minimum of 6 years of experience in Loan Sales / Portfolio Management and team management.
• Ability to motivate a team of Sales Managers for performance.
• Extremely flexible, result-oriented, and hardworking with a strong track record of success.
• Ability to self-motivate and manage self.
• Good communication and interpersonal skills.
• High level of integrity.
• Dynamic and motivated and individuals who like to work outdoors.
• Target Driven.

Benefits

• Private Health Insurance.
• Performance Bonus.
• Pension Plan.
• Training & Development.

Application Closing Date
Not Specified.

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

Recruitment Process

• A screening call with a member of the recruitment team for 30 minutes.
• Technical interview with the hiring manager for 30 to 60 minutes.

Job Title: Senior Collections Risk Analyst

Location: Nigeria

About the role

• A highly analytical professional with deep expertise in Expected Credit Loss (ECL) modeling forecasting and collections risk analysis.
• This role is critical in shaping data-driven recovery strategies by analyzing delinquency trends, risk segmentation, and portfolio performance.
• The individual must have a strong understanding of how predictive models work, impact collections strategies, and how to interpret their outputs to optimize recovery efforts.
• The individual will be responsible for analyzing risk trends, evaluating collections effectiveness, and providing actionable insights to improve recoveries.
• This position requires hands-on experience with SQL, Python (for data analysis), and statistical modeling concepts, as well as a thorough understanding of how underwriting decisions and collections operations impact Expected Credit Loss and overall portfolio risk.

Responsibilities
ECL Modeling & Forecasting:

• Analyze and interpret ECL models and forecasts, providing insights into expected recoveries and risk exposure.
• Utilize historical delinquency and recovery data to assess the accuracy of ECL projections and recommend refinements.
• Perform vintage analysis and roll-rate modeling to understand credit deterioration and its impact on collections risk.
• Support stress testing efforts to evaluate portfolio performance under different collections strategies and economic conditions.
• Monitor and assess loss provisioning trends, ensuring alignment between collections strategies and expected recoveries.

Collections Performance Analytics & Risk Segmentation:

• Analyze cohort performance, delinquency trends, and borrower segmentation to optimize collections strategies.
• Evaluate the effectiveness of existing collections treatment paths, identifying areas for improvement.
• Assess the impact of credit underwriting decisions on collections outcomes, ensuring alignment between risk assessment and recovery strategies.
• Support the design and execution of A/B testing for different collections approaches, using data to recommend optimal strategies.
• Monitor roll rates and transition matrices to detect early signs of delinquency risk and recommend intervention strategies.

Understanding of Predictive Models & Strategy:

• Interpret the outputs of propensity-to-pay models and predictive risk models, using insights to refine collections outreach.
• Work closely with data science teams to understand how machine learning models assess collections risk and borrower behavior.
• Leverage model-driven insights to enhance borrower segmentation, call center efficiency, and digital engagement strategies.
• Identify leading indicators of non-repayment, ensuring proactive collections intervention before delinquency worsens.
• Collaborate with strategy teams to refine contact strategies based on predictive insights, improving recovery rates.

Collaboration & Process Improvement:

• Work closely with finance, risk, and collections operations teams to ensure accurate forecasting and risk assessment.
• Provide data-driven recommendations to improve collections efficiency, reduce cost to collect, and enhance customer engagement
• Develop automated reporting and dashboards for tracking collections KPIs, recovery rates, and delinquency trends.
• Support the Collections Analytics Manager in refining risk models and implementing strategy improvements based on data insights.
• Evaluate and recommend new data sources to improve collections risk analysis and forecasting accuracy.

Key Skills & Qualifications
Technical & Analytical Skills:

• Advanced proficiency in SQL and Python for data extraction, manipulation, and analysis.
• Strong expertise in Expected Credit Loss (ECL) modeling, loss forecasting, and provisioning calculations.
• Familiarity with statistical modeling, machine learning outputs, and predictive analytics in a credit risk or collections setting.
• Understanding of vintage analysis, roll-rate modeling, and transition matrices for delinquency risk assessment.
• Experience with Power BI, Tableau, or similar visualization tools to present collections insights effectively.
• Knowledge of IFRS 9 and other credit risk regulatory frameworks affecting ECL calculations.

Experience & Risk Management Expertise

• 3+ years of experience in collections analytics, credit risk, or a related data-driven role.
• Strong track record in forecasting delinquency trends and optimizing loss provisioning strategies.
• Experience working with ECL models, understanding their inputs, outputs, and business implications.
• Understanding of underwriting policies and how they influence collections risk and recovery strategies.
• Experience in A/B testing for collections strategy optimization.
• Strong ability to interpret predictive model outputs and apply insights to optimize collections operations.

Communication & Stakeholder Engagement:

• Strong ability to translate complex data findings into actionable recommendations for senior leadership.
• Experience working cross-functionally with finance, risk, and collections operations teams.
• Ability to present technical insights in a clear, non-technical manner to business stakeholders.
• Strong written and verbal communication skills to drive alignment on collections risk strategy.

Desired Traits:

• Highly Analytical: Strong problem-solving skills with the ability to break down complex data into actionable insights.
• Detail-Oriented: Ensures accuracy in reporting and forecasting to minimize risk exposure.
• Proactive: Continuously seeks ways to improve ECL forecasting, risk segmentation, and collections efficiency.
• Results-Driven: Focused on optimizing recovery rates and minimizing losses through data-driven strategy execution.
• Adaptable: Thrives in a fast-paced, dynamic environment where collections and risk strategies evolve rapidly.

Benefits

• Private Health Insurance
• Pension Plan
• Training & Development
• Hybrid work
• Paid Time Off.

Application Closing Date
Not Specified.

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

Recruitment Process

• Screening interview with a Senior Recruiter- 30 minutes
• Technical Assessment
• Technical Interview with the Lead Risk Manager for 45-60 minutes.

Job Title: Finance Manager

Location: Nigeria

Job Summary

• The Finance department at FairMoney is a key component in this mission to provide banking services to all consumers across emerging markets
• Finance drives the reporting, the strategic analysis and the financial operations to make FairMoney’s mission possible. We are currently looking for a Finance Manager.

Key Responsibilities
Monthly Management Reporting:

• Review monthly management report prepared by accountants and sign off
• Ensure there are relevant schedules supporting the items on the financial statement
• Train and motivate accountants.
• Resolve issues raised by the financial control units and other reviewers timely and accurately

Variance Analysis;

• Identify drivers for financial statements line items
• Analyse the variance between actuals and budget as well as change over time
• Recommend corrective actions for adverse variances

Regulatory Reporting:

• Ensure CBN returns is submitted on or before the 5th day of the month
• Ensure the NDIC report and other regulatory returns are submitted as at when due
• Manage CBN audits

Year End Close/Statutory Audits:

• Lead the annual statutory audit

Requirements
The ideal candidate will be:

•  A qualified accountant (ACCA, ICAN)
•  Must be very good with IFRS
• Have an Advanced Microsoft Excel Skills
• SQL and other data analytics skills are major advantage
• Have a minimum of seven (7) years of experience.
• Experience in audit and/or financial service industry is necessary
• Must have excellent leadership and interpersonal skills
• Be an effective team player with a positive attitude
• Must be able to work without supervision.

Benefits

• Private Health Insurance
• Pension Plan
• Paid Time Off
• Hybrid Work Model
• Training & Development.

Application Closing Date
Not Specified.

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

Recruitment Process

• A screening interview with one of the members of the Talent Acquisition team
• Technical Interview with the Chief Financial Officer.