CredPal is an innovative solution that seeks to combat the ever complex loan approval process that has deterred millions from achieving specific gaols over the years. We believe quality of life can be drastically improved if individuals can easily make purchases and pay overtime at their convenience with reduced or no financial pressure
Head of Sales – Retail
- Job Type: Full Time
- Qualification: BA/BSc/HND
- Experience: 6 – 8 years
- Location: Lagos
- Job Field: Sales / Marketing / Retail / Business DevelopmentÂ
Purpose Statement
- We are in search of a highly skilled and experienced Head of Sales – Retail to become a vital part of our dynamic sales team. In the role, your primary responsibility will be to own retail credit disbursement end-to-end. From getting into the field and driving merchant sign-ups, to activating new credit users daily, to hitting ₦1B+ disbursement goals monthly this role demands someone who doesn’t just build a plan, but lives it.
- To excel in this role, you should possess a minimum of 5 years of successful credit sales management experience, demonstrate a proven track record of surpassing targets, and exhibit a strong ability to mentor and motivate a high-performing sales team.
Responsibilities
Disbursement Ownership
- Deliver monthly disbursement targets across all retail credit products credit card, BNPL, and personal credit lines.
- Track disbursement performance daily and take decisive action to bridge gaps.
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 Credit Disbursement Volume
- Number of Active Disbursed Users
- Daily/Weekly Disbursement per Channel
- Lead Conversion Rate (Onboarding → Disbursed)
- PAR (Portfolio at Risk) below benchmark
- Credit Repayment Collection Rate
Requirements
- Bachelor’s degree in Business, Finance, Marketing, or related field; MBA is a plus.
- Minimum of 6–8 years’ experience in retail lending, consumer credit, or fintech sales leadership.
- Proven track record of meeting or exceeding credit disbursement targets.
- Strong understanding of credit sales, 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
Method of Application
Interested and qualified? Go to CredPal on credpal.zohorecruit.com to apply