Head of Retail Sales - (BNPL) at CredPal Limited

CredPal is a leading financial technology company that offers a comprehensive range of financial solutions, including credit cards and investment opportunities, to empower individuals. Our mission is to revolutionize access to credit and investment, enabling individuals to take charge of their financial well-being.

We are recruiting to fill the position below:

Job Title: Head of Retail Sales - (BNPL)

Location: Lagos
Job Type: Full Time/Hybrid
Level: Senior Level

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.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online