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: Head of Sales (Retail Banking) 

Location: Nigeria

About the Role

• The Head of Sales is a senior leadership role responsible for building and driving FairMoney’s retail and business sales strategy across Nigeria. The role will focus on growing adoption of FairMoney’s financial products through a strong, structured sales organization covering both B2C and B2B segments.
• This position will lead the development of an in-house retail sales function that manages and scales direct sales activities, including agency-led acquisition
• . The Head of Sales will be accountable for sales performance across key products such as Current Accounts, Savings, Transaction Accounts, Loans and Debit Cards, while also supporting B2B partnerships and business acquisition.

Responsibilities

• Build, lead, and scale a high-performing retail sales organization across Nigeria
• Set up and manage an in-house sales team responsible for overseeing direct sales and agency-driven acquisition
• Drive B2C offline sales growth across FairMoney’s core retail products
• Own the sales strategy and execution for retail customer acquisition and activation nationwide.
• Support B2B sales efforts by enabling partnerships, employer on-boarding for payroll lending, and business account acquisition
• Recruit, train, and manage sales leaders, team leads, and field sales teams to deliver consistent results
• Define sales targets, monitor performance, and implement corrective actions where required
• Work closely with Operations and Risk teams to ensure compliant, sustainable sales practices
• Provide regular reporting on sales performance, pipeline health, and market insights to senior management
• Build scalable sales processes, incentive structures, and performance management frameworks

Requirements

• 10+ years of sales leadership experience within leading fintechs or tier-1 commercial banks, with a clear track record in retail financial services
• Proven experience building and leading high-volume direct sales organization, including large field and agency-based teams operating at national scale
• Demonstrated success in acquiring millions of retail accounts within 12-18 months, across products such as current accounts, savings, transaction accounts, cards, or lending products
• Strong background in mass-market customer acquisition, particularly in environments with aggressive growth targets and tight execution timelines
• Hands-on experience designing and running direct sales and agent-led acquisition models, including recruitment, training, incentives, and performance management
• Deep understanding of Nigeria’s retail banking and fintech landscape, including regional dynamics and on-the-ground execution challenges
• Commercially strong, with the ability to balance growth, cost efficiency, and portfolio quality
• Highly data-driven, comfortable managing large pipelines, conversion metrics, and productivity KPIs at scale
• Confident senior leader with the presence to drive alignment across product, operations, risk, and executive leadership teams.

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 management team
• Final Interview with a member of the Executive team

Job Title: Wealth Manager

Location: Nigeria

About the Role

• Your mission will be to promote investment products of the company to corporate and individual clients, and maintain knowledge of a wide range of investment and financial products ranging from fixed income, trusts, stocks, bonds, shares, etc.

Roles and Responsibilities

• Source new clients and expand client network in professional and social settings.
• Develop and maintain a portfolio of important revenue, generating client relationships within the defined market segment.
• Grow portfolio profitability through the utilization of available multi-channel delivery strategies.
• Present investment opportunities and related analysis while pitching proposed courses of action in meetings with clients.
• Relate with investment analysts to assess financial information and investment opportunities.
• Use relevant financial models to project future earnings and profit potentials.
• Monitor the financial market trends to promote better decision-making and advise on funds management.
• Engage in regular research and reading to stay apprised about the state of the Nigerian economy, global financial markets and general current events.
• Comply with rules, regulations and legislation governing the financial services industry.

Requirements

• Minimum of 5 years of relevant work experience in a financial organization.
• Strong command of excel and PPT.

Other core competencies required for this role include;

• Decision Making
• Problem Solving
• Analytical Thinking
• Verbal and Written Communication skills
• Attentiveness to Detail
• Time Management
• Networking skills
• Teamwork
• Leadership ability.

Benefits

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

Application Closing Date
Not Specified.

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

Recruitment Process

• A screening call with the Senior Recruiter: 30 minutes
• Technical interview with the hiring manager: 30 minutes

Job Title: Growth Marketing Engineer

Location: Remote

Key Responsibilities
Attribution & Tracking Infrastructure:

• Own end-to-end setup and maintenance of MMPs (AppsFlyer / Adjust / Firebase)
• Ensure accurate attribution across app, web, and offline channels Google Ads, Meta, TikTok, ASA, OEMs, affiliates)
• Design and manage deep linking, deferred deep linking, and web-to-app flows
• Implement server-to-server postbacks, SKAdNetwork, and privacy-compliant tracking

Data Quality & Growth Analytics:

• Standardize event taxonomies and support BigQuery pipelines
• Build and maintain growth dashboards GA4, Looker, PowerBI, Tableau)
• Monitor for tracking breaks, discrepancies, and data drift
• Conduct cohort analysis, LTV studies, and CAC diagnostic

Growth Experimentation & Automation:

• Support campaign testing and API-based automation
• Run A/B tests across creatives, audiences, and channels
• Automate budget pacing, performance alerts, and creative tracking
• Align events with product and risk milestones

Tooling & Integrations:

• Own the MarTech stack MMPs, SDKs, CRM tools, tag managers)
• Manage Conversion API integrations
• QA tracking during app releases

Key KPIs

• Attribution variance < 5%
• 99%+ event tracking reliability
• Experiment velocity
• Improved CPI / CVR metrics
• Real-time reporting availability

Requirements

• 3-5 years in growth marketing, analytics, or MarTech engineering
• Hands-on experience with Adjust, AppsFlyer, Firebase, GA4, GTM, Segment, Meta SDK, TikTok Pixel
• Strong understanding of attribution, SKAdNetwork, and event flows
• SQL / BigQuery familiarity
• Bonus: Python / JS automation skills
• Strong cross-functional collaboration.

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 Head of Growth
• Final interview with Chief Credit Officer.

Job Title: Head of KYC and Onboarding

Location: Nigeria

Job Summary

• The Head of KYC & Onboarding will lead and manage the bank’s customer onboarding strategy, ensuring full compliance with regulatory requirements issued by CBN, NDIC and other relevant authorities.
• The role oversees customer due diligence, enhanced due diligence, identity verification and ongoing monitoring processes.

Key Responsibilities

• 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 execute the bank’s KYC and onboarding strategy in alignment with regulatory guidelines and internal risk policies.
• Lead and mentor the KYC & Onboarding team, establishing strong performance metrics and quality standards.
• Maintain up-to-date understanding of regulatory changes and implement required process updates.
• Oversee verification of customer identity (individuals and corporates) using approved local and digital methods.
• Oversee periodic KYC reviews, ongoing customer monitoring, and remediation of incomplete files.

Requirements

• Bachelor’s degree in finance, Business Administration, Economics, or any related field  Master’s degree is an advantage.
• Minimum of 6-8 years experience in KYC, AML/CFT, Compliance, or Risk Management, preferably within a bank or regulated financial institution.
• Strong knowledge of CBN KYC/AML/CFT regulations, NDIC guidelines, and global best practices.
• Experience managing teams and implementing digital onboarding solutions
• Advanced Excel proficiency (dashboards, modeling, pivots, automation
• Working knowledge of SQL (data extraction, reporting, performance analysis)
• Excellent communication, stakeholder management, and cross-functional collaboration
• Experience in building/improving inventory management systems
• Familiarity with POS terminals, payments, or KYC flows.

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: 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
• Pension Plan
• Training & Development
• Remote work
• Paid Time Off.

Application Closing Date
Not Specified.

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

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
• Remote work
• Paid Time Off.

Application Closing Date
Not Specified.

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

Job Title: Senior Product Manager – Banking

Location: Nigeria

Role Overview

• The Senior Product Manager for our Neobanking division will play a crucial role in devising and implementing strategies for our banking products.
• This position demands an expert understanding of digital banking trends, regulatory environments, and the unique financial needs within the African market.

Key Responsibilities
Product Strategy and Vision:

• Craft a compelling product strategy for the Neobanking division that aligns with Fairmoneyʼs overarching business goals.
• Scout and prioritize market opportunities to ensure our banking products are competitive and address the needs of a dynamic fintech environment.

Product Roadmap Management:

• Work collaboratively with teams across Engineering, Marketing, UX/UI Design, Data Analytics, and Operations to develop a cohesive and feasible product roadmap.
• Continuously evaluate and adjust the roadmap in response to market shifts, consumer feedback, and strategic priorities.

Customer Insights and Analysis:

• Execute detailed market research and customer analyses to extract insights that inform product decisions and enhance customer engagement and satisfaction.
• Leverage analytics to refine product features and ensure alignment with user expectations and business objectives.

Product Development and Launch:

• Supervise the entire product lifecycle from ideation to market launch, guaranteeing quality, compliance, and alignment with customer expectations.
• Ensure seamless collaboration across functional teams to achieve product delivery within set timelines and budget.

Risk Management and Compliance:

• Coordinate closely with the Compliance and Risk management teams to ensure all banking products comply with legal standards and ethical norms.
• Develop strategies to mitigate risks and secure the interests of both customers and the business.

Performance Tracking and Optimisation:

• Establish and monitor critical performance indicators to measure product success and market penetration.

• Iterate and enhance product offerings based on rigorous analysis and customer feedback.

Team Leadership and Development:

• Lead, mentor, and build capabilities within the product management team to foster a culture of innovation and excellence.
• Define clear team goals, offer consistent feedback, and support career development.

Requirements

• Bachelor’s degree in Business, Finance, Computer Science, or related field; Masterʼs preferred.
• Extensive experience as a Product Manager Leader within the banking or fintech sectors.
• Comprehensive understanding of digital banking products, including mobile banking, API-driven banking services, and customer engagement tools.
• Strong analytical skills with a proficiency in data analysis tools such as SQL, Python, and Excel.
• Deep familiarity with the Nigerian and broader African fintech landscapes; knowledge of local banking regulations and customer behaviors is highly advantageous.
• Exceptional leadership and communication skills, with a proven ability to manage high-performing teams in a fast-paced environment.
• Innovative and entrepreneurial mindset, with a commitment to hands- on problem-solving and a data-driven approach.

Application Closing Date
Not Specified.

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

Recruitment Process

• HR Screening-30 minutes
• Technical interview with the product team: 60 minutes
• Assignment (takeaway)
• Final interview with Director of Product: 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
• 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