Recruitment at Fairmoney Microfinance Bank

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: Relationship Manager

Location: Nigeria

Description

• The Relationship Manager will drive offline merchant acquiring businesses (Chain Stores, restaurants, Supermarkets, FMCG, Pharmacy, Betting, etc.), and develop strategies to increase sales revenue.

Roles and Responsibilities

• S/he will be responsible for driving the business of Merchant acquiring in the different merchant sectors (Supermarket, Pharmacies, Filling Stations, Eateries & Restaurants, Lounge and Bar and Hotels), within the Region, and developing; deploring strategies to increase sales revenue
• Developing plans and strategic initiatives for growing the Merchant Acquisition business and achieving the companys sales goals;
• Managing and leading the Merchant acquisition team within the Region, to deliver profitable growth
• Daily, Weekly, and Monthly monitoring of the KPI of the Merchant team within the assigned Region, ensuring all targets are met and exceeded consistently
• Drive the KAMs to ensure they hit all KPIs for the individual teams
• Hit target quotas for set KPIs for the Region(Transaction value, volume, and revenue)
• Monitoring market trends and providing regular competitor feedback to the Merchant Acquisition Manager
• Have a good understanding of the business’s products or services and be able to advise others about them
• Follow up with Merchants and ensure active and inactive merchants are visited and if need be, mobilize retrieval of POS 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: Regional Director – Remittance (B2B and FX Sales)

Location: Nigeria (Remote)

Role Overview

• We are seeking a highly strategic and commercially driven leader to spearhead the growth of our B2B remittance and FX trading portfolio across Africa, with a particular focus on West African markets.
• This role requires a blend of business development expertise, FX market understanding, and strong partner negotiation skills to deliver market-leading growth and competitive advantage.

Key Responsibilities
Portfolio Growth & FX Panels:

• Drive portfolio onboarding growth to create and expand FX panels for trading, as well as remittance pay-in and pay-out channels.
• Develop innovative onboarding models to attract high-value partners and clients into the FX and remittance ecosystem.

Strategic Business Planning:

• Design and implement an overarching business strategy that leverages the global FX strategy as a mechanism for sustainable growth.
• Align regional strategies with global objectives to maximize market penetration and profitability.

Market Expansion:

• Lead the launch and expansion of B2B remittances across strategically prioritized markets in West Africa.
• Build and execute MNO vs local aggregator strategies to drive market share and accelerate adoption.

Collaboration & Alignment:

• Work closely with the FX Trading Team to coordinate market launches, expansion activities, and pricing strategies.
• Collaborate cross-functionally to ensure operational readiness, compliance, and partner onboarding efficiency.

Business Development & Integration Management:

• Manage and prioritize business development integrations that directly contribute to B2B remittance and FX trading growth.
• Ensure alignment of integration roadmaps with resource, skillset, and capital constraints.

Commercial Negotiations:

• Renegotiate commercial terms on existing contracts to optimize costs and improve partner margins.
• Structure deals for B2B and C2C remittance payouts, marketing investments, and working capital/funding arrangements.

Competitive Positioning & Market Share Growth:

• Develop and execute strategies to achieve targeted market share gains versus competitors.
• Identify and capture opportunities in underserved or high-potential corridors.

Pipeline Development:

• Build and maintain a robust growth pipeline that aligns with company capabilities and strategic priorities.
• Continuously evaluate and prioritise market opportunities based on ROI, competitive landscape, and scalability potential.

Requirements

• A minimum of a Bachelor’s Degree in any related discipline.
• Proven experience in cross-border payments or B2B remittance markets.
• Strong understanding of African financial ecosystems, particularly West African markets.
• Track record in strategic business development and delivering revenue growth.
• Exceptional commercial negotiation skills with experience in deal structuring.
• Ability to lead cross-functional teams and manage complex stakeholder relationships.
• Data-driven mindset with strong analytical skills.

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 Director of Remittance.
• Final interview with the Executive Team.

Job Title: State Head – Merchant Acquiring

Location: Nigeria
Employment Type: Full-time

Key Responsibilities

• Industry Focus: Lead merchant-acquiring efforts in key sectors, including but not limited to transportation, travel agencies, luxury bus operators, logistics, courier services, and ride-sharing platforms (e.g., Bolt & Uber)
• Relationship Building: Develop robust relationships with top merchants in the targeted sectors, fostering connections with key decision-makers
• Team Management: Oversee a team of Key Account Managers responsible for acquiring and managing large merchants within the designated verticals
• Network Development: Leverage an extensive network to identify opportunities, understand merchant needs, and promote the organization’s solutions for mutual satisfaction
• Industry Engagement: Actively participate in industry-related events to expand relationships with key merchants, staying updated on sector trends and challenges
• Association Partnerships: Collaborate with major associations within the targeted verticals to facilitate merchant acquisition and strengthen industry connections
• Key Account Maintenance: Manage relationships with key accounts, ensuring their satisfaction and promptly addressing any concerns
• Complaint Resolution: Timely resolution of merchant complaints, ensuring high customer satisfaction
• Network Expansion: Continuously build networks within the assigned verticals, identifying new opportunities for merchant acquisition
• Product Knowledge: Develop a comprehensive understanding of the organization’s products and services, guiding others and effectively communicating value propositions to merchants.

Requirements

• Bachelor’s Degree in Sales and Marketing or related fields
• 8-10 years of experience in Merchant Business within Fintech or a Commercial Bank, with a focus on managing large merchants
• Strong communication and interpersonal skills
• Proven track record of success in key account management, preferably within the fintech industry
• Experience in managing high-performing sales teams
• Flexibility, result-oriented mindset, and a strong work ethic
• Self-motivated and capable of working independently to meet and exceed sales targets
• Previous experience in Customer Service is a plus.

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

Job Title: Operations Manager

Location: Nigeria

Job Summary

• As the Operations Manager, you will direct and refine all operational procedures.
• Your role involves leading and managing all local operational activities, guaranteeing adherence to regulatory guidelines, operational efficiency, and scalability to fulfill user requirements in Nigeria.

Key Responsibilities

• Managed the overall operations and administration of business functions, including leading GPS, back office, finance, etc.
• Monitor operational performance metrics and take corrective actions as needed to achieve operational goals.
• Collaborate with senior management to align operational goals with overall business objectives.
• Supervise daily operations to ensure a seamless process and oversee the execution of daily tasks.
• Identify opportunities for process improvement and best practices to enhance operational efficiency and service delivery.
• Monitor and report on financial performance related to operational activities.
• Address and resolve operational issues and client complaints in a timely and effective manner.

Requirements

• Bachelor’s degree in finance, Business Administration, Risk Management, or a related field.
• 5+ years of experience in Operational Management, financial analysis, or a similar role within banking, financial services, or corporate finance.
• Strong leadership, team management, problem-solving, and decision-making skills.
• Excellent communication, interpersonal skills, and project management abilities.
• Proficiency in Microsoft Office Suite, Google Suite, etc.
• Experience with international teams is a plus.

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

• A screening interview with one of the members of the Talent Acquisition team for 30 minutes.
• Assignment (Takeaway)
• Assignment review and a technical interview with Risk Managers for 45-60 minutes.
• Final Interview 45 minutes.

Job Title: Head of Operations, Supply Chain and Device

Location: Nigeria

About the Role

• We are seeking a strategic, detail-oriented, and execution-focused Head of Operations to lead and expand our operational backbone.
• As the primary owner of operational excellence in one of Nigeria’s fastest-growing fintechs, you will oversee complex supply chain networks, manage onboarding frameworks, and execute targeted retention initiatives.
• This role demands strong analytical skills, leadership experience, and hands-on problem solving with tools like Excel and SQL.
• You will also manage external vendor relationships, including negotiations with international hardware suppliers in China, and collaborate cross-functionally to deliver seamless customer experiences at scale.

Key Responsibilities

• Lead the end-to-end logistics and distribution strategy for POS devices, ensuring efficient delivery within SLAs, reverse logistics, and asset recovery.
• Oversee inventory planning and control, ensuring optimal stock levels across multiple hubs and fulfillment partners.
• Negotiate and manage procurement relationships with international vendors, specially manufacturers and suppliers in China.
• Manage warehouse team, and refine processes for repair tracking, replacements, and real-time inventory visibility.
• Monitor inventory turnover, aging, and replenishment cycles.
• Improve the current inventory management system by working with product/tech teams.
• Scale an efficient customer onboarding pipeline with integrated compliance (KYC/AML) checks.
• Manage workflows for KYC document verification, exception handling, and SLA adherence.
• Collaborate with product and compliance teams to streamline approval logic and automation.
• Lead operations behind customer lifecycle strategies including merchant reactivation and performance campaigns.
• Monitor asset utilization and proactively identify underperforming regions or segments.
• Develop and enforce standard operating procedures (SOPs) to support scalability and consistency across markets.

Requirements

• Bachelor’s Degree in Engineering, Business Administration, Economics, or related fields
• Minimum of 5 years of experience in Operations, Strategy, Logistics, or similar domains
• Advanced Excel proficiency (dashboards, modeling, pivots, automation)
• Working knowledge of SQL (data extraction, reporting, performance analysis)
• Strong project management and problem-solving skills
• Experience managing or coordinating large field teams
• Excellent communication, stakeholder management, and cross-functional collaboration
• Ability to thrive in fast-paced, high-growth, and execution-heavy environments
• Experience in building/improving inventory management systems
• Familiarity with POS terminals, payments, or KYC flows
• Prior work in startups or digital-first environments.

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
• Final interview with a member of the Executive team.

Job Title: Relationship Manager

Location: Nigeria

Description

• The Relationship Manager will drive offline merchant acquiring businesses (Chain Stores, restaurants, Supermarkets, FMCG, Pharmacy, Betting, etc.), and develop strategies to increase sales revenue.

Roles and Responsibilities

• S/he will be responsible for driving the business of Merchant acquiring in the different merchant sectors (Supermarket, Pharmacies, Filling Stations, Eateries & Restaurants, Lounge and Bar and Hotels), within the Region, and developing; deploring strategies to increase sales revenue
• Developing plans and strategic initiatives for growing the Merchant Acquisition business and achieving the companys sales goals;
• Managing and leading the Merchant acquisition team within the Region, to deliver profitable growth
• Daily, Weekly, and Monthly monitoring of the KPI of the Merchant team within the assigned Region, ensuring all targets are met and exceeded consistently
• Drive the KAMs to ensure they hit all KPIs for the individual teams
• Hit target quotas for set KPIs for the Region(Transaction value, volume, and revenue)
• Monitoring market trends and providing regular competitor feedback to the Merchant Acquisition Manager
• Have a good understanding of the business’s products or services and be able to advise others about them
• Follow up with Merchants and ensure active and inactive merchants are visited and if need be, mobilize retrieval of POS 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: 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/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
• Pension Plan
• Training & Development.

Application Closing Date
Not Specified.

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