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: Dialer Specialist

Location: Nigeria

Roles and Responsibilities

• Analyze outbound and inbound dialer performance to optimize: o Contact rates o Hit rates o Agent productivity o Recovery effectiveness
• Build and maintain dashboards and reports in Tableau for operational and leadership consumption
• Perform advanced analysis using BigQuery on large-scale datasets
• Monitor daily, weekly, and monthly KPIs related to: o Dialer efficiency o Agent behavior o Calling strategies o List performance and intensity capping
• Identify trends, anomalies, and improvement opportunities in dialer and collections data
• Partner with cross-functional teams (Dialer Ops, Collections, Tech, Product) to: o Translate insights into operational actions o Adjust dialing logic and strategies
• Support experimentation, pilots, and optimization initiatives across campaigns
• Ensure data accuracy, consistency, and reliability across reports and dashboards

Requirements

• 8+ years of relevant experience in data analytics, preferably in collections, recovery, or contact center environments
• Strong hands-on experience with Dialer systems (predictive, power, preview, inbound/outbound)
• Advanced proficiency in BigQuery
• Strong expertise in Tableau (dashboard design, performance optimization, storytelling)
• Excellent analytical skills with the ability to interpret complex datasets and identify actionable trends
• Solid understanding of statistics and data modeling techniques
• Strong communication skills to clearly present insights to technical and non-technical stakeholders
• Ability to work independently in a fast-paced, high-impact environment

Application Closing Date
Not Specified.

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

Job Title: Field Verification / Recovery Officer

Location: Nigeria

About the Role

• As a Field Recovery Agent, you will play a crucial role in ensuring the timely collection of loan repayments.
• Your primary responsibilities include monitoring and rehabilitating accounts in arrears through the effective deployment of standard collections and recovery practices within the legal framework.
• Handling customer objections and complaints professionally and collaborating with relevant departments to ensure swift issue resolution will be integral to your role.

Roles and Responsibilities
As a Field Recovery Agent at FairMoney, your key responsibilities will include, but are not limited to:

• Conduct regular field visits to engage with defaulting customers(Agents and merchants), utilizing telephone, emails, and other legal means to demand payments on overdue accounts
• Maintain a detailed daily activity log, tracking metrics such as the number of calls, right-party contacts, promises to pay, and fulfilled promises to pay
• Verify information on overdue arrears and initiate daily follow-up calls to address outstanding issues
• Negotiate and establish effective payment plans and settlements to prevent accounts from further delinquency
• Track payments by diligently following up on pending promises and ensuring timely resolution.

Requirements
To excel in this role, you should meet the following criteria:

• University degree in any related field
• Minimum of 1+ years of experience in consumer loans operations and merchants, directly handling delinquent clients and resolving problem situations
• Proficiency in Microsoft Excel
• High self-motivation with strong interpersonal skills
• Excellent verbal and written communication skills
• Strong analytical and problem-solving skills.

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 Recruiter for 30 minutes.
• Technical interview with the Team Lead Collections for 30-45 minutes.
• Final Interview with Sr. Manager Collections – SME for 30-45 minutes.

Job Title: Senior Technical Product Manager

Location: Abuja

Role Overview

• The Technical Product Manager will oversee the strategic development and enhancement of our payment systems, including payment switches and backend infrastructure.
• This role requires a strong technical background in payment systems architecture and a deep understanding of the technical challenges associated with high-volume financial transactions.

Responsibilities
Technical Strategy and System Architecture:

• Develop and refine the technical strategy for payment processing, focusing on scalability, security, and compliance.
• Design and oversee the implementation of system architectures that support complex payment transactions.

Product Development:

• Lead the technical development of payment solutions, from conceptualization to deployment, ensuring they meet business needs and performance standards.
• Collaborate with engineering teams to ensure technical feasibility and timely execution of product initiatives.

Market and Technology Analysis:

• Conduct ongoing analysis of the latest payment technologies and industry trends.
• Evaluate competitive payment solutions and technologies to ensure Fairmoney remains at the cutting edge.

Risk Management and Compliance:

• Work closely with the compliance and risk management teams to ensure all payment solutions adhere to national and international financial regulations.
• Implement strategies to mitigate technical risks associated with payment processing.

Performance Optimization:

• Monitor and optimize the performance of payment systems to handle increased transaction volumes without compromising on speed or accuracy.
• Utilize data analytics to improve system efficiencies and user satisfaction.

Stakeholder Collaboration:

• Collaborate with internal and external stakeholders to define product requirements and roadmaps.
• Ensure alignment between technical teams and business objectives, facilitating effective communication and project management.

Requirements

• Bachelorʼs or Masterʼs Degree in Computer Science, Engineering, or a related field.
• Proven experience as a Product Manager in a technical role, specifically within the payments industry.
• Strong background in developing payment switches and understanding of backend infrastructure essential for high-volume financial operations.
• Proficiency in technical aspects of payment systems, including APIs, payment gateways, and transaction lifecycle management.
• Demonstrated ability to lead technical teams and manage complex product developments.
• Excellent problem-solving skills and ability to think strategically and analytically.
• Familiarity with the Nigerian payment ecosystem and regulatory environment is highly beneficial.

Application Closing Date
Not Specified.

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

Job Title: Senior Technical Product Manager

Location: Lagos

Role Overview

• The Technical Product Manager will oversee the strategic development and enhancement of our payment systems, including payment switches and backend infrastructure.
• This role requires a strong technical background in payment systems architecture and a deep understanding of the technical challenges associated with high-volume financial transactions.

Responsibilities
Technical Strategy and System Architecture:

• Develop and refine the technical strategy for payment processing, focusing on scalability, security, and compliance.
• Design and oversee the implementation of system architectures that support complex payment transactions.

Product Development:

• Lead the technical development of payment solutions, from conceptualization to deployment, ensuring they meet business needs and performance standards.
• Collaborate with engineering teams to ensure technical feasibility and timely execution of product initiatives.

Market and Technology Analysis:

• Conduct ongoing analysis of the latest payment technologies and industry trends.
• Evaluate competitive payment solutions and technologies to ensure Fairmoney remains at the cutting edge.

Risk Management and Compliance:

• Work closely with the compliance and risk management teams to ensure all payment solutions adhere to national and international financial regulations.
• Implement strategies to mitigate technical risks associated with payment processing.

Performance Optimization:

• Monitor and optimize the performance of payment systems to handle increased transaction volumes without compromising on speed or accuracy.
• Utilize data analytics to improve system efficiencies and user satisfaction.

Stakeholder Collaboration:

• Collaborate with internal and external stakeholders to define product requirements and roadmaps.
• Ensure alignment between technical teams and business objectives, facilitating effective communication and project management.

Requirements

• Bachelorʼs or Masterʼs Degree in Computer Science, Engineering, or a related field.
• Proven experience as a Product Manager in a technical role, specifically within the payments industry.
• Strong background in developing payment switches and understanding of backend infrastructure essential for high-volume financial operations.
• Proficiency in technical aspects of payment systems, including APIs, payment gateways, and transaction lifecycle management.
• Demonstrated ability to lead technical teams and manage complex product developments.
• Excellent problem-solving skills and ability to think strategically and analytically.
• Familiarity with the Nigerian payment ecosystem and regulatory environment is highly beneficial.

Application Closing Date
Not Specified.

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

Job Title: State Head – Aggregator Network

Location: Lagos

Job Summary

• As the State Head – (Aggregator Network), you are the CEO of the region, responsible for regional performance and individual state performance under your purview.
• You must be self-driven, result oriented and most importantly a team player. You are primarily responsible for shaping and driving your region’s growth strategy to correctly position it within landscape in Nigeria by working with the Director of Aggregator Business in cementing the FairMoney strategy of becoming the largest neobank in Nigeria.

Roles and Responsibilities

• Source for new clients and expand client network in the retail marketplace (Agents and consumers)
• Develop and maintain market dominance by ensuring acquisition, retention and Month on Month growth in acquisition and loan conversion in each market segment
• Drive corporate strategy in Schools, Markets, Partnerships with OFIs/Super Agents/ Aggregators and Agricultural value chain
• Sign up and maintain relationship with value chain actors
• Monitor regional performance, staff and consumer behavior and provide market intelligence to the team
• Proper Branding and training of Agents/Consumers and partners
• Comply with rules, regulations and legislation governing the financial services industry
• Motivate, mentor and supervise regional staff for delivery of FairMoney corporate objective
• Consistently deliver monthly OKR
• Any other responsibility as may be assigned by the Director of Aggregator Business.

Requirements

• A Bachelor’s degree in any relevant discipline
• 6 to 8 years of experience in the Agency Banking business
• Must have an android phone
• Proven experience managing a high performance sales team
• Ability to motivate a team of Sales Managers to achieve high performance
• Extremely flexible, result oriented and, hardworking with a strong track record of success
• Good communication and interpersonal skills
• Customer orientation and ability to adapt/respond to different characters.

Benefits

• Private Health Insurance
• Pension Plan
• Paid Time Off
• Work From Home
• Training & Development
• Performance Bonus.

Application Closing Date
Not Specified.

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

Job Title: Relationship Manager – Business Banking

Location: Ibadan, Oyo

Job Summary

• The Relationship Manager – Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
• The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.

Key Responsibilities
Merchant & Business Lending:

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region

Portfolio, Performance & Market Management:

• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions
• Actively drive to meet and exceed lending and payments performance targets
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies

Offline Payments Acquiring:

• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required
• Grow regional transaction volume, value, and revenue in alignment with lending objectives

Requirements

• Bachelor’s degree in Sales, Marketing, Finance, Business Administration, or a related discipline
• 6-8 years of experience in merchant lending, SME lending, business banking, or fintech credit sales
• Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management
• Experience acquiring and managing a lending portfolio of a minimum of N2B+
• Proven track record of loan book growth and sales target achievement
• Highly results-driven, commercially minded, and execution-focused
• Excellent communication, negotiation, and relationship management skills.

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 – Business Banking

Location: Lagos

Job Summary

• The Relationship Manager – Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
• The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.

Key Responsibilities
Merchant & Business Lending:

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region

Portfolio, Performance & Market Management:

• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions
• Actively drive to meet and exceed lending and payments performance targets
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies

Offline Payments Acquiring:

• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required
• Grow regional transaction volume, value, and revenue in alignment with lending objectives

Requirements

• Bachelor’s degree in Sales, Marketing, Finance, Business Administration, or a related discipline
• 6-8 years of experience in merchant lending, SME lending, business banking, or fintech credit sales
• Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management
• Experience acquiring and managing a lending portfolio of a minimum of N2B+
• Proven track record of loan book growth and sales target achievement
• Highly results-driven, commercially minded, and execution-focused
• Excellent communication, negotiation, and relationship management skills.

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 – Business Banking

Location: Abuja

Job Summary

• The Relationship Manager – Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
• The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.

Key Responsibilities
Merchant & Business Lending:

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region

Portfolio, Performance & Market Management:

• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions
• Actively drive to meet and exceed lending and payments performance targets
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies

Offline Payments Acquiring:

• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required
• Grow regional transaction volume, value, and revenue in alignment with lending objectives

Requirements

• Bachelor’s degree in Sales, Marketing, Finance, Business Administration, or a related discipline
• 6-8 years of experience in merchant lending, SME lending, business banking, or fintech credit sales
• Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management
• Experience acquiring and managing a lending portfolio of a minimum of N2B+
• Proven track record of loan book growth and sales target achievement
• Highly results-driven, commercially minded, and execution-focused
• Excellent communication, negotiation, and relationship management skills.

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.