Head of Sales - Retail Credit

About the role

CredPal, a fintech company offering credit cards and investment solutions, is looking for a Head of Sales - Retail to own retail credit disbursement end-to-end, from merchant sign-ups to activating new credit users daily and hitting monthly disbursement goals. The role is full time and hybrid, senior level, and requires at least 5 years of credit sales management experience and a proven track record of exceeding targets.

Key responsibilities

• Own monthly disbursement targets across credit cards, BNPL and personal credit lines, tracking performance daily and closing gaps
• Identify, develop and scale retail distribution channels (offline, online, merchant-integrated) and activate new merchants or customer-facing partners
• Build and run lead generation strategies and optimize conversion funnels through testing and customer feedback
• Onboard retail merchants and support them in driving customer awareness and product adoption
• Screen customers proactively and monitor repayment, working with cross-functional teams on delinquency mitigation
• Maintain dashboards on disbursement volume, active users, credit utilization and repayment rates, and report regularly with forecasts
• Stay informed on retail lending trends and competitor activity, and coordinate with credit risk, operations, marketing and product teams

Required profile

• Bachelor's degree in Business, Finance, Marketing or a related field; MBA is a plus
• 6-8 years' experience in retail lending, consumer credit or fintech sales leadership
• Proven record of meeting or exceeding credit disbursement targets
• Strong understanding of credit sales, merchant financing and disbursement mechanics
• Excellent communication, negotiation and stakeholder management skills, and knowledge of 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

• Performance-based bonuses up to N36,000,000 per year
• Opportunity to work with a high-growth fintech company
• Collaborative and supportive work environment