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