Card & Loans Business Manager at a High-growth Fintech Bank - Veridion Advisory Partners

Veridion Advisory Partners – Our client is a high-growth fintech bank dedicated to transforming the financial services landscape. The organization delivers secure, intuitive, and reliable banking solutions designed to simplify financial processes, enable seamless local and cross-border payments, and provide accessible savings and investment tools.

To strengthen consumer lending and card portfolio leadership and support strategic growth, they are seeking an exceptional executive to fill the position below:

Job Title: Card & Loans Business Manager

Location: Lagos
Employment Type: Full-time

Job Description

• The Card & Loans Business Manager will hold full executive responsibility for card and loan portfolio growth, revenue generation, risk governance, and customer acquisition across the organization.
• This role offers a boardroom-level mandate and requires a seasoned leader with the expertise to scale portfolios profitably, strengthen credit controls, and deliver measurable impact from the outset.

Responsibilities

• Lead all card and loan product strategies, including pricing, portfolio management, and risk controls.
• Develop and execute customer acquisition strategies for retail and SME segments.
• Manage full P&L for card and loan portfolios, driving revenue growth and margin optimization.
• Develop and oversee credit risk policies to maintain NPLs within prudent thresholds, aligned with CBN regulations.
• Launch innovative card and lending products aligned with market demand.
• Optimize distribution through digital channels and strategic partnerships.
• Establish and track KPIs, including portfolio size, revenue, NPL, and customer acquisition metrics.
• Deliver structured board-level reporting on portfolio performance, risk, and growth initiatives.
• Lead cross-functional teams, fostering high performance and execution excellence.
• Collaborate with executive leadership to align portfolio strategy with organizational goals.

Requirements
Education:

• Bachelor’s Degree in Finance, Banking, Economics, or related field.
• MBA or equivalent postgraduate qualification preferred.
• Professional certifications in credit, risk, or financial services advantageous.

Experience:

• Minimum 10 years of progressive experience in consumer lending, card business, or fintech banking.
• Minimum 5 years in a senior management role with full P&L and portfolio responsibility.
• Demonstrated ability to manage multi-billion Naira card/loan portfolios personally for at least 5 consecutive years.
• Demonstrated success in profitable product growth, ensuring NPLs are controlled within regulatory prudential standards.
• Experience in digital and partner acquisition channels.
• Ability to deliver measurable business impact within the first 90 days.

Other Requirements:

• Exceptional professional integrity and ethical standards.
• Ability to operate effectively in high-value, fast-moving fintech environments.
• Willingness to undergo regulatory verification, portfolio validation, and background checks.
• Capacity to deliver measurable KPIs within the first 90 days, including portfolio growth and revenue impact.

Skills:

• Deep expertise in consumer lending, card products, and portfolio management.
• Advanced knowledge of credit risk governance, underwriting, and NPL management.
• Strong commercial strategy, revenue optimization, and data-driven decision-making skills.
• Executive leadership, team development, and stakeholder management capabilities.
• Ability to translate complex portfolio and market data into actionable business insights.

Remunerations

• Executive-level compensation aligned with fintech and banking industry benchmarks.
• Performance-linked incentives tied to portfolio growth, revenue, NPL control, and customer acquisition.

Application Closing Date
10th March, 2026.