Head of Commercial at Money in Minutes

Role Overview

• As Head of Commercial, you will be responsible for the strategic direction, execution, and optimization of all revenue-generating activities at MIM Finance. This includes overseeing sales, business development, loan product growth, customer acquisition, and retention efforts. You will work cross-functionally with internal departments—credit, marketing, product, and tech—to ensure alignment with business objectives, while building and scaling a high-performance commercial team. Your role will also involve market expansion, field operations oversight, and driving sustainable portfolio growth.

Key Responsibilities:

Commercial Strategy & Revenue Ownership

• Develop and execute integrated commercial strategies that drive loan product uptake, disbursement growth, and profitability.
• Own company-wide revenue targets and monitor key commercial KPIs across all products and customer segments.

Sales & Field Operations Leadership

• Lead and expand high-performing sales teams across SME lending, vehicle-backed loans, and other credit products.
• Design and oversee field deployment strategies in target market clusters (e.g., Mile 12, Alaba, Owode).
• Build incentive models and performance frameworks to drive sales efficiency and target achievement.

Business Development & Partnerships

• Identify and secure strategic partnerships with aggregators, employers, agents, and ecosystem partners to expand distribution.
• Develop institutional lending channels and group-based outreach initiatives.

Product & Market Expansion

• Collaborate with the product, credit, and tech teams to refine loan offerings based on market trends, customer behavior, and competitor analysis.
• Drive market research initiatives to inform product innovation and pricing strategy.

Portfolio Management & Performance Oversight

• Work closely with credit, risk, and collections units to maintain loan book quality while scaling volume.
• Monitor customer activation, usage, repayment, and churn to guide decision-making.

Cross-Functional Leadership

• Serve as the commercial voice at the executive table, contributing to business planning and cross-departmental coordination.
• Ensure strong alignment between marketing campaigns and sales execution.
• Regularly report commercial performance insights and recommendations to senior leadership.

Qualifications & Requirements

• Minimum of 5 years’ experience in commercial leadership roles within financial services, fintech, or consumer lending.
• Strong background in sales leadership, field force management, or partnership/channel development.
• Experience with both B2B and B2C lending models.
• Track record of hitting and exceeding growth targets in high-volume, high-velocity environments.
• Deep understanding of the Nigerian lending landscape and regulatory expectations.
• Excellent analytical, strategic, and people management skills.
• Bachelor's degree in Business, Finance, Economics, or related field (MBA or relevant master’s degree is an advantage).