Head, Credit Collections

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa. 
Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023 and currently processes the majority of the POS transactions in Nigeria.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

About the role:

We are looking for a hands-on, analytically minded Head, Credit Collections to design and run Moniepoint’s consumer lending collections function. You’ll own repayment instruments and integrations, lead a high-volume collections contact centre and outsourced partners, and use data to optimise recoveries and customer experience across millions of loans in Nigeria.

Roles & Responsibilities

• Design and manage repayment infrastructure; direct debits, card-on-file, standing orders, bank transfer integrations and reconciliations.
• Lead and scale the collections contact centre and external agencies, including staffing, training, scripts, KPIs and compliance.
• Develop and implement early, mid, and late-stage collections strategies to maximise recoveries while protecting customer experience.
• Build dashboards and reports on delinquency trends, repayment instrument success rates, agent performance, and recovery curves to drive decisions.
• Collaborate with Product, Engineering and Risk to embed “collections by design” into new products and automate workflows.
• Ensure all repayment channels and collections practices comply with Nigerian regulations and consumer-protection rules.
• Analyse customer repayment behaviour to identify risks, segment portfolios, and recommend interventions to improve loss rates and reduce churn.
• Manage vendor and partner relationships (payment processors, credit bureaus, collection agencies) to optimise performance and cost.

Requirements

• Bachelor’s degree in Business, Finance, Operations or related field.
• 5+ years’ experience in credit/collections management, ideally in fintech or high-volume consumer lending.
• Demonstrated experience implementing and managing repayment instruments and payment integrations.
• Strong operational leadership running a call centre or outsourced collections team.
• Proficiency in analytics and BI tools to monitor portfolio and agent performance.
• Deep understanding of Nigerian regulatory requirements for collections and repayment systems.
• Excellent stakeholder management and ability to work cross-functionally with Product, Engineering and Risk.

What we can offer you

• Culture -We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance,, Employee Stock Options, annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A technical interview with the Hiring Manager
• A behavioral and technical interview with a member of the Executive team.