Head of Merchant Digital Sales at CapitalSage Technology Limited

Role Description

• This is a full-time on-site position located in Ibadan for the Head of Merchant Digital Sales. The primary responsibilities include leading and managing the merchant sales team tachieve sales targets and revenue growth. The role requires developing effective digital sales strategies, overseeing the acquisition and retention of merchants, analyzing sales performance, and ensuring the delivery of excellent customer service. Additional responsibilities include identifying industry trends, fostering strong client relationships, and collaborating with other teams tdrive business development.

Key Responsibilities

Merchant Growth & Usage

• Drive adoption of the storefront among targeted merchant segments.
• Ensure merchants actively transact, not just onboard.
• Reduce dormant accounts and increase transaction frequency.

BRM-Led Sales Execution

• Integrate storefront sales intthe BRM (Business Relationship Manager) process.
• Train and guide BRMs on merchant selection, pitching, and activation.
• Design incentives linked tstorefront usage and sales volume.

Revenue & Transaction Growth

• Own and grow total transaction value (GMV) through storefronts.
• Increase digital collections and settlement balances.
• Ensure merchants inflow land directly intbank accounts.

Credit & Lending Impact

• Work with Risk and Lending teams tuse storefront data for credit decisions.
• Improve loan eligibility, approval rates, and repeat borrowing.
• Reduce delinquency among storefront merchants.

Product & Execution Oversight

• Act as business owner of the storefront.
• Decide product priorities and prevent unnecessary features.
• Ensure timely execution and scale decisions.

Key Skills & Competencies

• Strong merchant or SME sales leadership.
• Digital payments or collections experience.
• Revenue and transaction growth management.
• Credit or lending understanding.
• Field sales/relationship management experience.
• Data-driven decision making.
• Cross-functional leadership (Product, Risk, CX, etc.).
• Strategic planning and execution discipline.

Required Qualifications

Preferred:

• Experience in fintech, microfinance, or commercial banking.
• Strong understanding of digital collections and credit-linked products.
• 4-7 years’ experience in:
• Business banking
• Merchant acquiring
• Digital payments
• SME lending or sales