Head of (Digital) Lending

Job Summary

The Head of Lending will spearhead the development, execution, and growth of lending solutions within the Embedded Finance Division, encompassing products such as Buy Now, Pay Later (BNPL), nano loans, and merchant lending. This leadership role demands a combination of strategic foresight, operational expertise, and dynamic leadership to achieve and exceed annual lending targets while fostering sustainable growth. The incumbent will leverage strategic partnerships, aggregator platforms, and innovative customer acquisition strategies to expand market reach and optimize lending operations.

Job Details

Key Responsibilities

Strategic Leadership

• Define and implement comprehensive lending strategies aligned with the organization’s objectives, ensuring set targets for our Embedded lending products (BNPL, nano loans, and merchant lending) are met.
• Oversee phased execution plans focused on growth levers such as strategic partnerships, integrations, and leveraging our existing sales and digital channels.
• Champion customer-focused innovation by delivering tailored credit solutions and enhancing lending journeys for optimal user experiences.

Business Growth & Development

• Collaborate with product management and engineering teams to design and launch impactful features that drive business outcomes.
• Partner with payment and investment teams to create seamless cross-selling opportunities and integrated financial solutions.

Partnership and Channel Management

• Identify, negotiate, and onboard high-value strategic partnerships with industry-leading platforms to maximize market reach.

Operational Excellence

• Ensure adherence to risk management frameworks, regulatory compliance, and governance standards across all lending activities.
• Establish robust monitoring systems to track performance metrics, identify areas for improvement, and implement timely interventions.
• Collaborate with Credit Risk and Underwriting to optimize the credit assessment process, to drive efficiency and minimize risk.

Team Development

• Build and mentor a high-performing team, fostering a culture of innovation, accountability, and continuous improvement.
• Provide clear direction and motivation to team members, aligning their efforts with organizational goals and objectives.

Requirements

Qualifications & Skills

• Bachelor’s degree in Finance, Business Administration, or a related field; advanced degrees or certifications (e.g., MBA) are highly desirable.
• Minimum of 8-10 years proven experience in leading lending portfolios, with a strong focus on embedded finance, nano loan, and merchant lending solutions. Experience selling BNPL products will be a great advantage. 
• Demonstrated success in managing large-scale partnerships and executing growth strategies in a fast-paced environment.
• Exceptional analytical, problem-solving, and decision-making skills with a track record of delivering measurable results.
• Strong leadership capabilities with excellent communication and stakeholder management skills.

Why Join Us?

At Credit Direct, we’re all about pushing boundaries and finding smarter ways to make financial services work for everyone. When you join our team, you’re not just taking a job – you’re becoming part of a forward-thinking organization that’s shaping the future of financial inclusion.

We believe in creating tailored solutions that truly meet the needs of our customers, and we’re passionate about empowering individuals and businesses to achieve more. Here, your ideas matter, your skills are valued, and the work you do makes a real difference.

We’re committed to helping you grow professionally while fostering an innovative, supportive, and collaborative environment. Together, we’re transforming the financial landscape in Nigeria and beyond – and we’d love for you to be a part of it.

Benefits

At Credit Direct Finance Company Limited, we value our employees and strive to provide a comprehensive benefits package that recognizes their contributions and supports their well-being. As part of our commitment to a positive work environment, we offer the following benefits:

Competitive Salary: We offer a competitive salary structure that is commensurate with industry standards and recognizes the skills and experience of our employees.

Quarterly Performance Pay: We recognize and reward exceptional performance. Our quarterly performance pay program allows employees to earn additional compensation based on their individual and team achievements.

Transport Subsidy: We understand the importance of accessible transportation for our employees. To assist with commuting expenses, we provide a transport subsidy to help alleviate the financial burden associated with travel to and from work.

Staff Bus: We offer a convenient and reliable staff bus service for eligible employees, ensuring a comfortable and stress-free commute to the workplace.

Hybrid Work: We believe in providing flexibility and work-life balance. Our hybrid work policy allows eligible employees to work remotely for a certain number of days per week, promoting a healthy work-life integration.

13th Month Salary: As an additional financial benefit, we provide a 13th-month salary to our employees. This extra payment, usually received at the end of the year, serves as a bonus and acknowledges their dedication and commitment throughout the year.

Leave Allowance: We recognize the importance of taking time off for rest and relaxation. In addition to annual leave entitlement, we provide a leave allowance to eligible employees, offering financial support during their vacation time.

Profit Sharing: We believe in sharing our success with our employees. Through our profit-sharing program, eligible employees have the opportunity to receive a share of the company's profits, providing an additional incentive for their dedication and hard work.

These benefits are designed to support our employees' financial well-being, work-life balance, and professional growth. We continuously review and enhance our benefits package to ensure that it remains competitive and aligned with the needs and preferences of our valued employees.

About Company

Credit Direct Finance Company Limited

https://creditdirect.seamlesshiring.com

Credit Direct is the Fintech arm of the FCMB Group.