Card & Loans Business Manager – Fintech MFB at a Licensed Fintech-driven Microfinance Bank - Veridion Advisory Partners

Veridion Advisory Partners - Our client is a licensed fintech-driven microfinance bank positioned to redefine digital financial inclusion through technology-enabled lending, payments, and savings solutions. As a startup institution entering a critical growth phase, the organization is building a scalable digital banking model designed to serve individuals, SMEs, and underserved markets through secure, data-driven financial services aligned with CBN regulatory standards.

To establish a world-class financial foundation and institutional governance structure from inception, they are recruiting an exceptional executive to fill the position below:

Job Title: Card & Loans Business Manager – Fintech MFB

Location: Lagos
Employment Type: Full-time

Job Description

• Own the strategy, execution, and growth of the bank’s card and loan products.
• Build product structures, operational processes, distribution channels, and portfolio monitoring frameworks from scratch.

Responsibilities
Product Strategy & Development:

• Define the strategy for card and loan products aligned with growth targets.
• Design product features, pricing, and terms based on market insights and regulatory requirements.
• Partner with fintech technology teams to implement card issuance, digital lending, and loan management systems.

Business Growth & Customer Acquisition:

• Develop and execute strategies to acquire and retain customers for card and loan products.
• Drive promotional campaigns, partnerships, and incentive structures to grow product adoption.
• Monitor and optimize customer acquisition cost (CAC), portfolio growth, and revenue performance.

Portfolio Management & Compliance:

• Own the P&L for the card and loan portfolio, ensuring profitable growth while maintaining portfolio quality.
• Monitor portfolio performance and NPL trends; escalate high-risk cases to senior management or Credit Committee.
• Ensure all lending and card operations comply with CBN and NDIC regulations.

Operations & Process Excellence:

• Establish end-to-end workflows for loan disbursement, card issuance, collections, and settlements.
• Introduce automation and reporting tools to enhance underwriting, repayment, and portfolio tracking.
• Define KPIs to monitor portfolio growth, revenue, NPLs, and customer satisfaction.

Leadership & Cross-Functional Collaboration:

• Lead cross-functional teams in executing card and loan operations.
• Mentor and train junior staff as the vertical scales.
• Provide actionable insights to senior management for strategic decisions.

Requirements
Education:

• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or related fields
• MBA or professional certifications (CFA, CPA, Risk Management) are a plus.

Experience:

• 8+ years in cards, loans, retail, or SME lending business management, preferably in a bank, microfinance, or fintech environment.
• Proven track record in launching, scaling, or managing loan and card products.
• Experience in digital lending, fintech banking, or MFB operations is highly desirable.
• Understanding of credit scoring, underwriting, loan monitoring, and collections in line with CBN/NDIC regulations.

Other Requirements:

• High professional integrity and ethical standards.
• Ability to operate effectively in a fast-paced fintech environment.
• Willingness to undergo regulatory verification, portfolio validation, and background checks.
• Capacity to collaborate across teams and escalate high-risk issues appropriately.

Skills:

• Strong understanding of cards and loan products, including fintech lending and digital banking.
• Knowledge of credit policy compliance, portfolio monitoring, and risk awareness.
• Data-driven decision-making, with experience analyzing KPIs and portfolio trends.
• Strong stakeholder management, negotiation, and team leadership skills.
• Startup mindset: comfortable building processes from scratch and working in ambiguity.

Remuneration

• Competitive compensation aligned with fintech microfinance benchmarks.
• Performance-linked incentives tied to portfolio growth, revenue generation, NPL management, and regulatory compliance.

Application Closing Date
13th March, 2026.

How to Apply
Interested and qualified candidates should send their CV to: info.veridionadvisorypartners@gmail.com using “Card & Loans Business Manager– Fintech MFB” as the subject of the mail.