Group Head, Payloft at Unified Payments Services Limited

Unified Payment Services Limited is Nigeria’s premier Payments & Financial Technology company that operates as a shared infrastructure for the banking community in Nigeria and Payments Service Provider within and outside Nigeria, with a vision to be the most preferred e-payment service provider in Africa.

We are recruiting to fill the position below:

Job Title: Group Head, Payloft

Location: Lagos
Employment Type: Full-time

Job Objectives

• The Group Head, Payloft, is responsible for providing strategic leadership and overall management of the Payloft payment gateway’s operations within the E-Commerce Directorate.
• The role encompasses overseeing the product strategy, compliance, partnerships, and revenue growth while ensuring exceptional user experiences for both merchants and customers.
• As the Chief Product Manager, the Group Head will lead the design, development, and continuous improvement of the Payloft payment gateway, driving innovation, scalability, and profitability in alignment with the organization’s overall goals.

Duties and Responsibilities
Strategic & Leadership Responsibilities:

• Lead and direct the strategic development of Payloft’s payment gateway, ensuring alignment with overall business goals.
• Develop and execute short- and long-term business plans for the payment gateway, including product strategy and market positioning.
• Serve as the Chief Product Manager, overseeing the entire product lifecycle from ideation to execution for the Payloft Payment Gateway.
• Lead, mentor, and manage the Payloft product and web acquiring teams, ensuring optimal performance, innovation, and capacity development.
• Represent Payloft Payment Gateway in senior management forums and key external stakeholder engagements.

Product Oversight & Operations:

• Oversee all aspects of the payment gateway, enhancing the payment methods (currently Pay with phone number, Pay by Transfer, Cards and Pay with PaytentQR), enhancing functionalities (currently Refunds, Card on file, Recurring Payments, International card acceptance), ensuring seamless transactions, system reliability, and high operational efficiency.
• Drive the design, development, and optimization of the payment gateway and portal/dashboard features, workflows, and user experience.
• Work cross-functionally with Technology, Risk, Compliance, Audit, Finance and Settlement teams to ensure the scalability, security, and regulatory compliance of the platform.
• Oversee the onboarding, training, and support of new merchants and partners, ensuring seamless integration and long-term retention.
• Continuously enhance product offerings based on market trends, customer feedback, and emerging technologies.

Risk, Compliance & Governance:

• Ensure the payment gateway is fully compliant with all applicable financial regulations, industry standards, and internal policies.
• Ensure the Implementation of an effective fraud monitoring, dispute resolution processes, and risk control mechanisms to safeguard the Payloft platform.
• Serve as the primary point of accountability for regulatory and audit matters related to Payloft Payment Gateway.
• Ensure the platform meets the highest standards of data security and operational integrity.

Business Development & Market Growth:

• Identify new business opportunities, partnerships, and revenue streams within the fintech and online merchant ecosysytems.
• Conduct market research, competitor analysis, and customer segmentation to drive product innovation and differentiation.
• Leverage customer and merchant insights to refine product offerings, improve user experience, and expand market share.
• Build strong relationships with external partners, developer communities, including financial institutions, fintech companies, and third-party service providers.

Performance Management & Reporting:

• Define and monitor key performance indicators (KPIs), product metrics, and growth targets for the Payloft Payment Gateway.
• Track and evaluate performance, presenting regular progress reports to executive leadership.
• Ensure the achievement of financial, operational, and customer satisfaction goals, while optimizing resource allocation and product investments.

Key Performance Indicators

• Revenue growth and profitability of the Payloft Payment Gateway.
• Transaction count and value per payment option.
• Growth in gateway payment options and functionalities
• Merchant acquisition, retention, and satisfaction levels.
• Transaction success rate, uptime, and operational efficiency.
• Compliance, risk management, and audit performance.
• Team performance and delivery against product and strategic objectives.

Job Requirements
Education:

• Bachelor’s degree in Finance, Business Administration, Economics, Computer Science, or a related field.
• A Master’s degree or relevant professional certifications in Product Management or Fintech will be an added advantage.

Experience:

• Minimum of 14years of relevant product / business management and development experience in fintech, digital payments, e-commerce, or financial services.
• At least 5 years in a leadership role, with significant experience managing product teams and product lifecycles.
• Proven expertise in product strategy, digital payment systems, and driving product innovation.

Key Competency Requirements:
Knowledge & Experience:

• In-depth understanding of digital payment systems, payment gateway technologies, and online transaction ecosystems.
• Strong familiarity with regulatory frameworks, compliance standards, and risk management in the digital payments and fintech space.
• Proven experience in leading product teams, executing product roadmaps, and driving business growth.
• Strong analytical and problem-solving abilities, with the capacity to make data-driven decisions.

Preferred Attributes:

• Experience with payment gateway integrations, APIs, and fintech platforms.
• Knowledge of emerging fintech trends (such as QR, blockchain, and digital currencies).
• Strong project management experience and ability to lead cross-functional teams.

Skill / Competencies:

• Exceptional leadership and team management skills.
• Strong ability to communicate effectively, both written and verbal.
• High-level negotiation and deal-closing capabilities.
• Strategic thinking with a focus on execution and delivery.
• Excellent organizational and stakeholder-management skills, with the ability to work in a high-pressure, fast-paced environment.

Application Closing Date
30th June, 2026.

How to Apply
Interested and qualified candidates should send their CV to: opeoluwa.oluyemi@up-ng.com using the job title as the subject of the email.