Recruitment at FairMoney Microfinance Bank

FairMoney is the leading digital lending platform in Nigeria. In 2020, we disbursed 40% more than the next competitor. We have continued to scale quickly and prudently culminating in our closing of our $42 million Series B Equity round.Due to our growth, we are scaling our Capital Markets team to further drive an ambitious local currency debt fundraising program. You will be joining an innovative and ambitious team that recently closed a Fintech Private Note with leading investment banks acting as Arrangers to the offer. We have plans to continue to offer debt investors a range of innovative solutions to enable them to provide FairMoney, a fast-growing yet prudent fintech with debt funds. This is where you come in.

We are recruiting to fill the position below:

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: 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: 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: 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: 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: 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: 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

• Proven experience in cross-border payments or B2B remittance markets.
• A minimum of a Bachelor’s Degree in any related discipline.
• 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

Job Title: State Head – Merchant Acquiring

Location: Nigeria
Employment Type: Full-time

Description

• The State Head for Large Merchant Acquisition will spearhead the acquisition efforts for high-value merchants across various key sectors, focusing on those with a minimum monthly turnover of N6 million per terminal and N30 million per month.

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

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.