Recruitment at PalmPay

PalmPay is an Africa-focused fintech firm, launched in 2019. PalmPay is a mobile payments platform that offers a number of financial services.

We are recruiting to fill the position below:

Job Title: Human Resouce Generalist

Locations: Nigeria

Job Summary

• We are seeking an experienced HR Generalist to support our fast-growing fintech team. The ideal candidate will manage core HR functions, including recruitment, onboarding, employee relations, performance management, and HR operations, ensuring alignment with business objectives and regulatory standards.

Key Responsibilities

• Manage end-to-end recruitment and onboarding processes.
• Support performance appraisal and employee engagement initiatives.
• Maintain accurate HR records and ensure compliance with labor laws and company policies.
• Provide guidance to employees and managers on HR policies and procedures.
• Coordinate payroll inputs and oversee benefits administration.
• Contribute to HR process improvement and culture-building initiatives.

Requirements

• Bachelor’s degree in Human Resources, Business Administration, or a related field.
• 4–5 years of HR generalist experience, preferably in fintech or tech-driven environments.
• Strong knowledge of HR best practices and Nigerian labor laws.
• Excellent communication, organizational, and problem-solving skills.
• Proficiency in HRIS tools and Microsoft Office Suite.

Application Closing Date
Not Specified.

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

Job Title: Senior Software Engineer (Java & Spring Boot)

Location: Nigeria

Job Description

• We are seeking a highly skilled Senior Software Engineer with deep expertise in Java and Spring Boot to join our engineering team.
• The ideal candidate will be responsible for designing, developing, and maintaining robust and scalable backend systems, focusing on payment solutions, gateways, and libraries.
• Previous experience working in banks or other fintech establishments is required.
• As a key member of the backend team, you will collaborate with developers, architects, and stakeholders to deliver high-quality software solutions that meet both technical and business requirements.

Key Responsibilities

• Design and Development: Build and maintain scalable, reliable, and high-performance backend payment services and APIs using Java and Spring Boot.
• Architecture & Design: Collaborate with architects and engineers to design and implement payment systems that meet performance, scalability, and reliability goals.
• Code Quality: Write clean, maintainable, and efficient code following best practices (SOLID principles, design patterns, etc.) and the company’s engineering standards.
• Testing & Debugging: Write unit, integration, and performance tests. Debug and troubleshoot issues in production independently or with QA and other team members.
• Microservices Development: Design and develop microservices that integrate seamlessly with the broader system architecture.
• Database Management: Work with relational and NoSQL databases, ensuring proper indexing, query optimization, and data integrity.
• API Development: Build RESTful APIs and ensure efficient communication between backend and frontend systems, with strong knowledge of payment library development supporting core payment services.
• Security & Performance: Implement security best practices (encryption/decryption, authentication, authorization) and optimize performance for highly available systems.
• Collaboration: Work closely with cross-functional teams including frontend, DevOps, PM, and QA to deliver high-quality features.
• Code Reviews: Conduct code reviews, provide feedback, and mentor junior engineers to maintain high code quality.
• Continuous Integration & Deployment: Work with CI/CD pipelines, automated build systems, and cloud environments to ensure smooth deployments and minimal downtime.
• Technical Documentation: Write and maintain documentation for system designs, API specifications, and development processes.

Required Technical Skills

• Java: Expert proficiency (Java 8 and above) with a strong understanding of object-oriented programming, concurrency, and multi-threading.
• Spring Boot: Extensive experience building RESTful services and enterprise applications.
• Spring Framework: In-depth knowledge of Spring MVC, Spring Data, Spring Security, Spring Cloud, Hibernate, and/or MyBatis.
• Databases: Strong experience with SQL (PostgreSQL, MySQL) and NoSQL (MongoDB, Redis).
• Messaging Systems: Experience with messaging and event-driven architectures using RocketMQ, Kafka, RabbitMQ, or ActiveMQ.
• APIs & Integrations: Skilled in building and consuming RESTful and SOAP APIs; familiar with Swagger or OpenAPI.
• Version Control: Proficient in Git for source code management, branching, and pull requests.
• Containerization: Experience with Docker and orchestration tools like Kubernetes.
• Cloud Platforms: Hands-on experience with AWS, AliCloud, Google Cloud, or Azure.
• Testing: Proficient with testing frameworks like JUnit and Mockito; experienced with integration test strategies.
• CI/CD: Familiar with DevOps practices, continuous integration, and deployment tools such as Jenkins or CircleCI.

Soft Skills & Communication:

• Strong Communication: Ability to explain complex technical concepts clearly to both technical and non-technical stakeholders.
• Collaboration: Proven ability to work effectively within and across teams.
• Problem-Solving: Excellent analytical and debugging skills for resolving complex technical issues.
• Mentorship: Experience mentoring junior engineers and sharing knowledge within the team.
• Attention to Detail: Strong focus on quality, maintainability, and performance with effective prioritization skills.

Nice to Have:

• Experience with GraphQL.
• Knowledge of Reactive Programming using Spring WebFlux.
• Familiarity with OAuth2 and JWT for authentication and authorization.
• Experience with API Gateways and distributed tracing tools.
• Understanding of DevOps principles and experience with infrastructure-as-code tools such as Terraform or Ansible.

Application Closing Date
Not Specified.

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

Job Title: Product Manager

Location: Nigeria
Department: Mobile Installment

Job Summary

• The Product Manager is responsible for leading the design, development, and enhancement of financial products and digital solutions.
• The role ensures that products meet customer needs, align with business goals, and comply with regulatory standards.

Key Responsibilities

• Develop and manage the product roadmap, ensuring alignment with business strategy.
• Conduct market research and competitor analysis to identify product opportunities and improvement areas.
• Work closely with engineering, design, and marketing teams to develop and launch new financial products.
• Define product requirements, user stories, and performance metrics.
• Monitor product performance, gather customer feedback, and drive continuous improvement.
• Ensure all product developments comply with regulatory and internal risk management standards.
• Collaborate with stakeholders to deliver seamless product experiences that enhance customer satisfaction and profitability.

Requirements

• Bachelor’s degree in Business Administration, Finance, or a related field.
• An MBA is an added advantage.
• 3–5years of experience in product management, preferably within banking or fintech.
• Strong understanding of digital banking, financial services, and customer experience design.
• Excellent project management and cross-functional leadership skills.
• Analytical mindset with the ability to translate data into actionable insights.
• Strong communication, organisational, and decision-making abilities.

Application Closing Date
Not Specified.

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

Job Title: Digital Growth Marketing Specialist

Location: Nigeria
Employment Type: Full-time

Description

• The Digital Growth Marketing Specialist is responsible for driving digital user acquisition, activation, and retention across PalmPay’s online channels.
• The role focuses on executing growth experiments, optimizing digital campaigns, improving referral performance, and building sustainable user funnels targeted at teenagers, young adults, and broader customer segments.

Job Description

• Plan, execute, and support paid campaigns (Meta, Google Ads, TikTok, Snapchat, YouTube, affiliate networks).
• Develop and optimize online referrals, influencer campaigns, and KOL partnerships.
• Run A/B tests on creatives, landing pages, targeting, and messaging to improve funnel performance.
• Analyze user journeys and optimize conversion across download → registration → KYC → first transaction.
• Create and support digital creatives and ad copies across multiple channels (SMS, push notifications, in-app messages).
• Work with product teams to implement in-app growth loops (quests, challenges, referral boosts).
• Monitor analytics dashboards and prepare weekly/monthly reports.
• Lead and support online communities and teen-friendly content initiatives across social platforms.

Requirements

• Bachelor’s Degree in a relevant field.
• 1 – 3 years experience in digital marketing or growth roles (Fintech experience is an advantage).
• Hands-on experience running paid ads on Meta, TikTok, and Google.
• Strong analytical mindset with proficiency in analytics tools (e.g., Firebase, AppsFlyer, Google Analytics).
• Excellent communication and creativity in content/messaging.
• Ability to multitask and thrive in a fast-paced environment.
• Familiarity with user funnels, referral systems, and growth loops.

Application Closing Date
1st December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: obembe.oladipupo@palmpay-inc.com using the job title as the subject of the email.

Job Title: POS Backend Development Engineer

Location: Nigeria
Employment Type: Full Time

Job Responsibilities

• Design, develop, and maintain backend systems for the Nigerian POS business, ensuring system stability, scalability, and high performance.
• Collaborate closely with the frontend development team to define API interface specifications, ensuring seamless coordination between frontend and backend.
• Participate in defining system architecture and technology choices, providing feasible technical solutions for business requirements.
• Address technical challenges in system development, ensure code quality and security, and perform code reviews and optimizations.
• Coordinate with the testing team to ensure product quality, participate in system testing, and troubleshooting efforts.
• Stay updated on technology trends, propose improvements and innovative suggestions, and maintain awareness of industry best practices.
• Possesses detailed experience in the Nigerian POS business domain, understanding the interaction flows between institutions and channels, and familiarity with business rules and processes.
• Have expertise in standard protocols related to the POS domain, particularly ISO 8583 and other POS communication protocol standards.
• Assist in resolving critical issues, provide technical support and training to ensure the smooth operation of the system.

Qualifications

• Bachelor’s degree or equivalent in Computer Science, Software Engineering, or related field.
• Minimum of 5 years of experience in backend development, with preference for those experienced in POS business development.
• Proficiency in Java programming language, familiarity with Spring Boot framework, and experience in microservices architecture is a plus.
• Experience in database design and optimization, familiarity with relational databases (such as MySQL).
• Practical experience with technologies like message queues, caching, e.g., Kafka, Redis.
• Familiarity with at least one RPC calling framework, with FeignClient being preferred, knowledge of GRPC, etc.
• Strong object-oriented programming skills, familiar with common design patterns and principles, capable of breaking down and simplifying complex problems.
• Strong problem-solving skills, ability to work in a fast-paced environment while maintaining high efficiency.
• Effective communication skills and teamwork, capable of collaborating with team members from diverse backgrounds.

Application Closing Date
Not Specified.

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

Job Title: Business Development Manager – Cards

Location: Nigeria
Employment Type: Full Time

Job Summary

• PalmPay is looking for a proactive and performance-driven Field Sales Business Development Manager to drive the adoption of our  ATM Card solutions and onbord agent’s to enable market expansion.
• The ideal candidate is a strategic sales professional with a deep understanding of Nigeria’s retail, SME, and informal markets.

Key Responsibilities
Agent Acquisition & Activation:

• Identify and onboard agents across markets and key informal sectors.
• Promote PalmPay’s ATM Card payment adoption.
• Educate agents on transaction processes, benefits, and settlement terms.
• Ensure successful agent’s activation and early transaction ramp-up.

Field Sales Execution:

• Conduct physical sales visits, product demos, and onboarding sessions.
• Build and manage a pipeline of prospective merchants and partners.
• Collect market intelligence and provide feedback to improve product-market fit.

Team Coordination & Agent Oversight:

• Work with and supervise field sales agents to expand merchant network.
• Ensure targets are met through training, motivation, and field support.

Performance Monitoring & Reporting:

• Track daily, weekly, and monthly performance using CRM tools.
• Report on acquisition metrics, transaction growth, and activation success rates.
• Provide regular insights and suggestions to improve field strategy.

Requirements

• Bachelor’s degree in Business, Marketing, or related discipline.
• 2 years’ experience in fintech, payments, or merchant/agent services sales.
• Proven ability to execute merchant acquisition and field sales strategies.
• Strong interpersonal, negotiation, and communication skills.
• Experience in managing field teams and working with targets.
• Deep knowledge of local market dynamics and payment behavior.

Preferred Attributes:

• Tech-savvy with ability to use CRM or sales reporting tools.
• Highly organized, target-focused, and self-motivated.

Application Closing Date
Not Specified.

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

Job Title: In-Shop Sales Manager – Buy Now, Pay Later (BNPL)

Location: Nigeria

Description

• The In-Shop Sales Manager will be responsible for driving growth, operational excellence, and
• strategic partnerships within the assigned shop for our Buy Now, Pay Later (BNPL) business.
• This role combines sales, customer management, strategic thinking, and hands-on execution to
• build and manage merchant relationships, ensure compliance, and deliver financial
• performance targets. You will act as the key shop representative, supervising shop activities to scale BNPL adoption, optimize partner performance, and deliver superior customer experience.

Key Responsibilities
In-shop Growth & Strategy:

• Develop and execute shop plan aligned with state and national BNPL strategy and revenue goals.
• Identify new growth opportunities, merchant categories, and distribution channels.
• Monitor market trends, consumer behavior, and competitor activities to inform strategy and product positioning.

Partnership Management:

• Build and manage relationships with key merchants, aggregators, and payment partners.
• Negotiate commercial terms, pricing, and marketing agreements.
• Ensure partner satisfaction through regular engagement, performance reviews, and joint business planning.

Operational Excellence:

• Oversee shop operations including merchant onboarding, compliance, and transaction performance.
• Collaborate with product, risk, and finance teams to improve approval rates, repayment performance, and service quality.
• Ensure adherence to company policies, credit risk frameworks, and regulatory requirements.

Financial Performance:

• Own and deliver on shop revenue, portfolio quality, and profitability KPIs.
• Analyze financial metrics and prepare regular shop performance reports.

KPIs & Success Measures

• Shop revenue growth and merchant acquisition targets.
• Portfolio health (default rates, repayment performance).
• Partner satisfaction and retention.
• Operational efficiency and compliance adherence.
• Customer engagement and team performance metrics.

Requirements

• Bachelor’s degree in Business, Finance, Economics,
• At least 3 years in a shop or multi-market management role.
• Proven track record in B2B sales, partnership development, or channel management.
• Strong understanding of BNPL, consumer credit, or digital payments ecosystems.

Skills & Competencies:

• Strategic thinker with strong analytical and commercial acumen.
• Excellent negotiation, communication, and stakeholder management skills.
• Data-driven decision maker with hands-on problem-solving approach.
• Ability to work in a fast-paced, evolving fintech environment.
• Familiarity with digital platforms, CRM tools, and financial analytics.

Application Closing Date
Not Specified.

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

Job Title: Finance Trainee

Location: Nigeria

Objectives

• Establish a financial talent echelon and cultivate a reserve of future, financial managers and financial directors.
• Enable management trainees to have an in-depth understanding of the core financial processes of financial institutions (reconciliation, taxation, regulatory reports, cost control).

Talent Profile of Recruitment Targets
Hard conditions:

• Bachelor’s or Master’s degrees in Finance, Accounting, Economics, Business Administration,etc.
• 0-2 years of experience (Internship experience is acceptable)
• Those with study experience in ACCA/ICAN/CPA are preferred

Requirements for soft quality:

• Good ability to withstand pressure and willing to learn quickly and smart
• Strong communication skills and a sense of responsibility
• High integrity standards (involving cash, accounting, auditing, and taxation)
• Have an interest in FinTech or the financial industry

Application Closing Date
Not Specified.

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

Job Title: Collection Officer

Location: Nigeria

Responsibilities

• Proactively contacted customers with delinquent accounts to negotiate payment terms and resolve outstanding balances.
• Consistently met and exceeded monthly recovery targets by 15% through effective negotiation skills.
• Maintained strict adherence to FCCPC and company compliance policies in all collection activities.
• Accurately documented all customer interactions and payment arrangements in the internal data base.
• Handled customer inquiries and disputes professionally, ensuring a positive customer experience even in difficult situations.
• Secured one-time settlements and structured sustainable payment plans based on customers’ financial situations.

Application Closing Date
Not Specified.

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

Job Title: Credit Reviewer

Location: Nigeria

Job Summary

• The Credit Reviewer is responsible for evaluating credit applications determine the creditworthiness of individuals or businesses.
• This role ensures that lending decisions are made in accordance with company policies and risk standards.

Key Responsibilities

• Review and analyze credit applications.
• Assess risk and recommend approval, denial, or modification of credit terms.
• Verify accuracy of submitted documentation.
• Prepare reports summarizing credit findings.
• Ensure compliance with internal policies and regulatory guidelines.

Qualifications

• Minimum of NCE certificate.
• Strong analytical and decision-making skills.
• Atention to detail and ability to work independently.
• Experience with credit analysis or financial review is a plus.

Application Closing Date
Not Specified.

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

Job Title: User Growth Officer (Offline)

Location: Nigeria

Overview

• The Offline User Growth Officer is responsible for driving user registration, activation, and engagement through grassroots, campus, market, and community outreach.
• The role focuses on offline events, partnerships, teen engagement programs, and referral-based field activities to accelerate user growth.

Job Description

• Recruit and register new users through physical activations in markets, parks, malls, campuses, and communities.
• Conduct product demos and guide users through onboarding (app download, registration, KYC).
• Promote and boost referral programs and empower referrers (agents, parents, KOLs).
• Build partnerships with schools, student groups, small businesses, and local influencers.
• Organize offline campaigns, events, roadshows, and brand awareness activities.
• Track acquisition numbers and provide field insights on user behavior and offline performance.

Requirements

• OND, HND, or Bachelor’s degree in any field.
• 1–3 years field marketing or sales experience (activation or community mobilization is an advantage).
• Strong communication, persuasion, and interpersonal skills.
• Ability to work independently and meet field targets.
• Willingness to travel frequently and interact with diverse demographic groups.

Application Closing Date
Not Specified.

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

Job Title: User Growth Specialist (Online)

Location: Nigeria

Overview

• The Online User Growth Associate is responsible for driving digital user acquisition, activation, and retention across PalmPay’s online channels.
• The role focuses on executing growth experiments, optimizing digital campaigns, improving referral performance, and building sustainable user funnels targeted at teenagers, young adults, and broader customer segments.

Job Description

• Plan, execute, and support paid campaigns (Meta, Google Ads, TikTok, Snapchat, YouTube, affiliate networks).
• Develop and optimize online referrals, influencer campaigns, and KOL partnerships.
• Run A/B tests on creatives, landing pages, targeting, and messaging to improve funnel performance.
• Analyze user journeys and optimize conversion across download → registration → KYC → first transaction.
• Create and support digital creatives and ad copies across multiple channels (SMS, push notifications, in-app messages).
• Work with product teams to implement in-app growth loops (quests, challenges, referral boosts).
• Monitor analytics dashboards and prepare weekly/monthly reports.
• Lead and support online communities and teen-friendly content initiatives across social platforms.

Requirements

• Bachelor’s degree in a relevant field.
• 1–3 years experience in digital marketing or growth roles (Fintech experience is an advantage).
• Hands-on experience running paid ads on Meta, TikTok, and Google.
• Strong analytical mindset with proficiency in analytics tools (e.g., Firebase, AppsFlyer, Google Analytics).
• Excellent communication and creativity in content/messaging.
• Ability to multitask and thrive in a fast-paced environment.
• Familiarity with user funnels, referral systems, and growth loops.

Application Closing Date
Not Specified.

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

Job Title: Sales Agent

Locations: Awka – Anambra, Enugu, Asaba – Delta, Owerri – Imo, Uyo – Akwa Ibom, Benin – Edo and Aba, Umuahia – Abia
Contract Type: Contract

About the Role

• Flexi Microfinance Bank is expanding its Mobile Installment product nationwide and seeking enthusiastic, customer-focused Sales Agents to join our team. In this role, you will be stationed at designated 3C HUB retail outlets, engaging walk-in customers, promoting our phone financing solution, and guiding them through the onboarding and application process.
• This role requires strong communication skills, persuasive selling ability, and a passion for helping customers access mobile devices through flexible payment plans.

Key Responsibilities

• Actively approach and engage walk-in customers at 3C HUB retail locations to promote Flexi MFB’s mobile installment financing product.
• Explain product features, payment plans, eligibility criteria, and financing terms in a clear and professional manner.
• Assist customers with onboarding, application submission, and required documentation.
• Provide accurate information, answer customer inquiries, and address concerns to ensure a seamless experience.
• Work closely with store staff and Flexi MFB operations teams to ensure efficient loan processing and approvals.
• Track daily leads, applications, conversions, and other assigned sales metrics.
• Follow up with pending customers to ensure completion of applications and final approvals.
• Ensure compliance with Flexi MFB sales guidelines, customer verification processes, and KYC requirements.
• Represent the Flexi MFB brand professionally while maintaining strong customer satisfaction and service standards.

Requirements

• Minimum of OND, NCE, or equivalent qualification.
• Prior experience in sales, field marketing, retail banking, or telecom product sales is an added advantage.
• Strong communication, persuasion, and negotiation skills.
• Ability to work in a fast-paced retail environment with daily customer interaction.
• Basic understanding of consumer lending and mobile phone markets (preferred, but not required).
• Computer literacy and ability to use smartphones or digital onboarding tools effectively.
• Result-driven mindset with a focus on meeting and exceeding sales targets.

Key Competencies:

• Customer service mindset
• Confidence and resilience
• Ability to build rapport quickly
• Accountability and professionalism
• Goal-oriented with strong follow-through
• Compensation & Benefits
• Competitive guaranteed monthly basic salary of N70,000
• Unlimited bonuses based on phone installment sales (N1,000 per phone sold)
• Training, coaching, and growth opportunities
• Performance incentives and rewards

Compensation & Benefits

• Competitive guaranteed monthly basic salary of N70,000
• Unlimited bonuses based on phone installment sales (N1,000 per phone sold)
• Training, coaching, and growth opportunities
• Performance incentives and rewards.

Application Closing Date
Not Specified.

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