Head of Retail Sales (BNPL)

About the role

CredPal, a fintech offering credit cards and investment products, is looking for a Head of Retail Sales to lead and accelerate its retail credit growth. The role owns BNPL retail disbursements end-to-end, from merchant sign-ups and onboarding to activating new users daily and hitting monthly disbursement targets of N3 billion+. It suits a hands-on leader with 5-7 years of credit or retail sales leadership experience, who also mentors a sales team and keeps portfolio quality through credit risk management.

Key responsibilities

• Define and execute the BNPL retail strategy, own the P&L and pricing, margins and risk metrics, and build partnerships with retail chains and e-commerce platforms
• Drive merchant acquisition and onboarding, grow consumer adoption and GMV penetration, and identify high-converting offline, online or merchant-integrated channels
• Build and run lead generation and conversion strategies, and optimize funnels through testing and customer feedback
• Support merchants in driving customer awareness and product adoption
• Screen customers proactively, monitor repayment performance and work with cross-functional teams on delinquency mitigation
• Maintain dashboards on disbursement volume, active users, credit utilization and repayment rates, and forecast monthly sales and disbursements
• Stay informed on retail lending trends and competitors, and report regularly with forecasts and recommendations

Required profile

• Bachelor's degree in Business, Finance, Marketing or a related field; MBA is a plus
• 5+ years in BNPL, payments, retail lending or e-commerce leadership with a track record of exceeding disbursement targets
• Strong understanding of merchant financing and disbursement mechanics
• Excellent communication, negotiation and stakeholder management skills
• Familiarity with Nigeria's lending landscape

Required skills

• Data-driven mindset with strong analytical and reporting skills
• Familiarity with CRM tools, disbursement platforms and digital onboarding flows

What we offer

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