Managing Director – Digital Money Lending at CashXpress Nigeria Limited

About CashXpress 

• A regulated digital money lending platform delivering accessible short- to mid-term loans through mobile and online channels. 
• Committed to responsible lending, financial inclusion, transparent pricing, and a superior customer experience. 
• Operates in compliance with Nigerian financial regulations and data privacy standards; emphasizes ethical lending, robust risk management, and customer trust. 

Role overview 

• The Managing Director (MD) will lead a New company’s strategic direction and day-to-day operations, driving growth, profitability, risk management, and regulatory compliance. 
• Reports to the Board of Directors and Shareholders, guides and operates in all company’s fields like Product, Risk, Finance, Collection, Sales, Marketing, IT and Customer Service teams. 

Key responsibilities 

• Strategy and leadership 
• Define and execute Company’s market strategy to achieve revenue, profitability, and market share targets. 
• Establish and monitor KPIs across customer acquisition, activation, repayment, delinquency, and customer lifetime value. 
• Regulatory and risk management 
• Ensure full compliance with Nigerian regulators and consumer protection standards. 
• Establish and oversee credit risk, fraud prevention, AML/CFT controls, and responsible lending practices. 

Operations and delivery 

• Oversee origination, underwriting, collections, customer support, and dispute resolution. 
• Drive scalable, tech-enabled processes (onboarding, credit scoring, loan servicing) for efficiency. 

Finance and performance 

• Manage budgeting, forecasting, treasury, and financial reporting. 
• Lead cost discipline and sustainable growth while maintaining strong risk controls. 

People and culture 

• Build a high-performing local team; cultivate a customer-centric, compliant, and innovative culture. 
• Partner with HR, Legal, and Compliance to embed governance and ethical practices. 

Partnerships and stakeholder management 

• Build and maintain relationships with regulators, banks, fintech vendors. 
• Represent Company in industry forums, associations, and investor discussions. 
• Technology and product alignment 
• Align product, engineering, data science, and risk teams to deliver scalable lending solutions. 
• Champion responsible AI/ML usage for credit scoring and decisioning, ensuring transparency and fairness. 

Required qualifications and experience 

• Elite leadership experience at C-suite or senior executive level in fintech, digital lending, or consumer finance within Nigeria. 
• Proven success in building, scaling, or turning around high-volume digital lending platforms. 
• Deep understanding of Nigeria’s regulatory landscape for digital lending, data privacy, AML/CFT, and consumer protection. 
• Financial and operational acumen with P&L ownership, budgeting, forecasting, capital planning, and performance analytics. 
• Risk management expertise in underwriting, collections, fraud prevention, and regulatory compliance. 
• Exceptional stakeholder management, negotiation, and communication skills with regulators, partners, and customers. 
• Tech-savvy with ability to collaborate with product, data, and engineering teams; familiarity with credit scoring models and fintech tech stacks is a plus. 
• Bachelor’s degree is required; MBA, CFA, or equivalent advanced degree preferred. 

Nice-to-have 

• Experience with mobile-first lending, BNPL, or micro-lending in emerging markets. 
• Knowledge of Nigerian payment rails, digital wallets, and the fintech ecosystem. 
• Demonstrated impact on financial inclusion initiatives and responsible lending campaigns. 
• Strong local network within the Nigerian fintech, banking, and regulatory communities. 

Key metrics 

• Revenue growth, profitability, loan book size, repayment performance, and delinquency rate. 
• Customer acquisition cost (CAC), customer lifetime value (LTV), and portfolio quality. 
• Origination speed, underwriting quality, repayment automation, and cross-sell success. 
• Compliance incidents, fraud rate, customer satisfaction (NPS/CSS). 
• Talent development, retention, and leadership effectiveness. 

What we offer 

• Competitive compensation package with performance-based incentives. 
• Shares of profits 
• Pension contributions, and comprehensive insurance. 
• Opportunity to shape a fast-growing fintech focused on financial inclusion in Nigeria. 
• Support for leadership development and professional growth