About CashXpress
- A regulated digital money lending platform delivering accessible short- to mid-term loans through mobile and online channels.
- Committed to responsible lending, financial inclusion, transparent pricing, and a superior customer experience.
- Operates in compliance with Nigerian financial regulations and data privacy standards; emphasizes ethical lending, robust risk management, and customer trust.
Role overview
- The Managing Director (MD) will lead a New company’s strategic direction and day-to-day operations, driving growth, profitability, risk management, and regulatory compliance.
- Reports to the Board of Directors and Shareholders, guides and operates in all company’s fields like Product, Risk, Finance, Collection, Sales, Marketing, IT and Customer Service teams.
Key responsibilities
- Strategy and leadership
- Define and execute Company’s market strategy to achieve revenue, profitability, and market share targets.
- Establish and monitor KPIs across customer acquisition, activation, repayment, delinquency, and customer lifetime value.
- Regulatory and risk management
- Ensure full compliance with Nigerian regulators and consumer protection standards.
- Establish and oversee credit risk, fraud prevention, AML/CFT controls, and responsible lending practices.
Operations and delivery
- Oversee origination, underwriting, collections, customer support, and dispute resolution.
- Drive scalable, tech-enabled processes (onboarding, credit scoring, loan servicing) for efficiency.
Finance and performance
- Manage budgeting, forecasting, treasury, and financial reporting.
- Lead cost discipline and sustainable growth while maintaining strong risk controls.
People and culture
- Build a high-performing local team; cultivate a customer-centric, compliant, and innovative culture.
- Partner with HR, Legal, and Compliance to embed governance and ethical practices.
Partnerships and stakeholder management
- Build and maintain relationships with regulators, banks, fintech vendors.
- Represent Company in industry forums, associations, and investor discussions.
- Technology and product alignment
- Align product, engineering, data science, and risk teams to deliver scalable lending solutions.
- Champion responsible AI/ML usage for credit scoring and decisioning, ensuring transparency and fairness.
Required qualifications and experience
- Elite leadership experience at C-suite or senior executive level in fintech, digital lending, or consumer finance within Nigeria.
- Proven success in building, scaling, or turning around high-volume digital lending platforms.
- Deep understanding of Nigeria’s regulatory landscape for digital lending, data privacy, AML/CFT, and consumer protection.
- Financial and operational acumen with P&L ownership, budgeting, forecasting, capital planning, and performance analytics.
- Risk management expertise in underwriting, collections, fraud prevention, and regulatory compliance.
- Exceptional stakeholder management, negotiation, and communication skills with regulators, partners, and customers.
- Tech-savvy with ability to collaborate with product, data, and engineering teams; familiarity with credit scoring models and fintech tech stacks is a plus.
- Bachelor’s degree is required; MBA, CFA, or equivalent advanced degree preferred.
Nice-to-have
- Experience with mobile-first lending, BNPL, or micro-lending in emerging markets.
- Knowledge of Nigerian payment rails, digital wallets, and the fintech ecosystem.
- Demonstrated impact on financial inclusion initiatives and responsible lending campaigns.
- Strong local network within the Nigerian fintech, banking, and regulatory communities.
Key metrics
- Revenue growth, profitability, loan book size, repayment performance, and delinquency rate.
- Customer acquisition cost (CAC), customer lifetime value (LTV), and portfolio quality.
- Origination speed, underwriting quality, repayment automation, and cross-sell success.
- Compliance incidents, fraud rate, customer satisfaction (NPS/CSS).
- Talent development, retention, and leadership effectiveness.
What we offer
- Competitive compensation package with performance-based incentives.
- Shares of profits
- Pension contributions, and comprehensive insurance.
- Opportunity to shape a fast-growing fintech focused on financial inclusion in Nigeria.
- Support for leadership development and professional growth