Managing Director (MD) - Digital Money Lending at CashXpress Nigeria Limited

CashXpress Nigeria Limited is a regulated digital money lending platform delivering accessible short- to mid-term loans through mobile and online channels. We are committed to responsible lending, financial inclusion, transparent pricing, and a superior customer experience. We operate in compliance with Nigerian financial regulations and data privacy standards; emphasizes ethical lending, robust risk management, and customer trust.

We are recruiting to fill the position below:

Job Title: Managing Director (MD) - Digital Money Lending

Location: Lagos
Employment Type: Full-time

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 likeProduct, Risk, Finance, Collection, Sales, Marketing,ITand CustomerServiceteams.

Key Responsibilities
Strategy and Leadership:

• Define and executeCompany’s market strategy to achieve revenue, profitability, and market share targets.
• Establish and monitorKPIsacross 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, fintechvendors.
• RepresentCompanyin 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.

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.

Required Qualifications and Experience

• Bachelor’s Degree is required: MBA, CFA, or equivalent advanced degree preferred.
• 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.

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.

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.

Application Closing Date
2nd February, 2026.

How to Apply
Interested and qualified candidates should send their Resume and 1-page cover letter outlining their vision for scalable dig to: hr@cashx.ng using the job title as the subject of the mail.