Purpose Statement

• We are in search of a highly skilled and experienced Head of Retail Sales to lead and accelerate CredPal’s retail credit growth.
• In this role, your primary responsibility will be to own BNPL retail disbursements end-to-end from aggressively driving merchant sign-ups and onboarding, to activating new BNPL users daily, to achieving ₦3B+ monthly disbursement targets.
• This position requires a hands-on leader who doesn’t just design sales strategies but actively executes them in the field.
• The ideal candidate will bring a minimum of 5–7 years of successful credit or retail sales leadership experience, with a proven track record of exceeding ambitious revenue and disbursement goals.
• You must demonstrate strong financial acumen, the ability to scale sales teams, and the drive to build a performance culture that consistently delivers results.
• Above all, we’re looking for someone who can inspire, mentor, and motivate a high-performing retail sales team, while ensuring operational discipline and portfolio quality through effective credit risk management.

Responsibilities
Ownership:

• Define and execute BNPL retail strategy aligned with company growth goals.
• Drive merchant acquisition and onboarding at scale.
• Grow BNPL consumer adoption and GMV penetration.
• Own P&L for the retail BNPL vertical, including pricing, margins, and risk metrics.
• Build partnerships with major retail chains and e-commerce platforms.
• Collaborate with Product, Risk, and Growth teams on GTM plans and feature roll-outs.
• Lead sales, account management, and merchant success teams.
• Implement data-driven tracking for merchant and consumer growth KPIs.

Retail Channel Activation:

• Identify, develop, and scale high-converting retail distribution channels (offline, online, or merchant-integrated).
• Directly engage and activate new merchants or customer-facing partners when required.

Lead Generation & Conversion:

• Build and execute end-to-end lead generation strategies for retail credit users.
• Optimize conversion funnels through insight-driven testing, customer feedback, and market behavior.

Merchant Engagement & Acquisition:

• Identify key retail merchant opportunities and onboard them into CredPal’s credit ecosystem.
• Support merchants to drive customer awareness and product adoption.

Portfolio Quality & Repayment:

• Ensure credit disbursed are to creditworthy customers through proactive screening and behavior monitoring.
• Monitor repayment performance and collaborate cross-functionally on delinquency mitigation initiatives.

Data-Driven Execution:

• Maintain and analyze dashboards for KPIs such as disbursement volume, active users, credit utilization, and repayment rates.
• Use insights to inform strategic decisions and field interventions.

Market Intelligence:

• Stay informed on retail lending trends, competitor activity, and customer behavior.
• Proactively adapt strategies based on evolving market realities.

Cross-Functional Coordination:

• Work closely with credit risk, operations, marketing, and product teams to ensure end-to-end efficiency in credit disbursement and usage.

Reporting & Forecasting:

• Deliver regular performance reports with insights and actionable recommendations.
• Forecast monthly sales and disbursement projections with accuracy and accountability.

KPIs / Success Metrics:

• Monthly Retail BNPL Disbursement Volume – Total value of BNPL disbursed each month
• Number of Active Disbursed Users – Count of unique users with active BNPL disbursements
• Daily/Weekly Disbursement per Channel – Breakdown of BNPL disbursements by sales/merchant channel
• Lead Conversion Rate (Onboarding → Disbursed) – % of leads that convert from signup to first disbursement
• PAR (Portfolio at Risk) below benchmark – Maintain delinquency within approved benchmark levels
• Credit Repayment Collection Rate – % of BNPL repayments collected on time
• Sales Team Productivity – Disbursement and revenue contribution per sales rep

Requirements

• Bachelor’s Degree in Business, Finance, Marketing, or related field; MBA is a plus.
• 5+ years in BNPL, payments, retail lending, or e-commerce leadership roles with proven growth and partnership track record.
• Proven track record of meeting or exceeding credit disbursement targets.
• Strong understanding of merchant financing, and disbursement mechanics.
• Data-driven mindset with strong analytical and reporting skills.
• Excellent communication, negotiation, and stakeholder management skills.
• Strong business acumen and knowledge of Nigeria’s lending landscape.
• Familiarity with CRM tools, disbursement platforms, and digital onboarding flows

Benefits

• Competitive salary with performance-based incentives and bonuses.
• Opportunity to work with a high-growth, innovative fintech company.
• Collaborative and supportive work environment.