Latest Jobs at CredPal

Purpose Statement:

• We are seeking a talented and passionate Mid-Senior Backend Engineer with strong NestJS experience and a solid understanding of distributed, event-driven systems to join our engineering team. Your role will be crucial in designing, building, and maintaining backend services that power core financial products. You’ll work in a microservices architecture, handling transactional data, background processing, and third-party integrations. This role suits an engineer who cares deeply about correctness, reliability, and scale.

Responsibilities

Backend & API Development

• Build and maintain backend services using NestJS, Node.js, and TypeScript.
• Design and expose secure, well-structured REST APIs for web, mobile, and partner systems.
• Implement core fintech features such as wallets, transactions, cards, lending, savings, and disbursements.
• Integrate with external services including payment gateways, KYC providers, and banking APIs.

System Design & Architecture

• Develop services within a microservices architecture.
• Implement event-driven workflows using RabbitMQ.
• Design systems with focus on idempotency, fault tolerance, and data consistency.
• Build and maintain background jobs and workers.

Data & Storage

• Design and manage relational data using MySQL.
• Use MongoDB for document-based and non-relational workloads.
• Implement caching and fast data access using Redis.
• Ensure accurate transaction records and reconciliation logic.

Infrastructure & Reliability

• Containerize services using Docker and work closely with infrastructure teams on deployment.
• Write unit and integration tests to ensure system reliability.
• Participate in code reviews and architectural discussions.
• Monitor and improve service performance and stability.

Collaboration & Ownership

• Work closely with Product, Frontend, Mobile, and DevOps teams.
• Take ownership of services from design through production.
• Mentor junior engineers and uphold engineering best practices.

Requirements

• Minimum 4 - 6years of professional backend engineering experience.
• Strong production experience with NestJS.
• Deep understanding of Node.js and TypeScript.
• Experience working with MySQL and MongoDB.
• Hands-on experience with RabbitMQ and asynchronous processing.
• Experience using Redis for caching or distributed locks.
• Experience containerizing applications using Docker.
• Solid understanding of REST API design and backend security fundamentals.

Nice-to-Have

• Prior experience in fintech, payments, lending, wallets, or cards.
• Experience building or maintaining ledger-based systems.
• Familiarity with observability tools (logs, metrics, tracing).
• Experience working in high-traffic or regulated environments.
• Mentorship or technical leadership experience.

What Success Looks Like

• You ship reliable backend services that handle real money safely.
• You reduce incidents through better design and testing.
• You improve scalability and performance of existing systems.
• You help raise backend engineering standards at CredPal.

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Purpose Statement

• We are seeking a commercially aggressive Head of Credit to own end-to-end business credit disbursement across CredPal’s SME and merchant portfolio. This role requires a hands-on leader who drives merchant acquisition, activates new borrowers daily, builds high-velocity credit pipelines, and consistently delivers ₦1B+ monthly disbursements. You will lead growth across working capital loans, merchant financing, invoice financing, credit lines, and embedded credit products, with full accountability for volume, quality, and collections.
• The ideal candidate has 5+ years of SME or business credit leadership experience, a proven track record of exceeding targets, strong merchant networks, and relentless execution discipline.

Responsibilities

Disbursement Ownership

• Deliver monthly business credit disbursement targets across all business credit products including working capital loans, merchant financing, invoice financing, and credit lines.
• Track disbursement performance daily and take immediate corrective action to close gaps.
• Own pipeline conversion from lead → approval → disbursement → repeat drawdown.
•  
• Business Channel Activation
• Identify, develop, and scale high-converting business acquisition channels including direct sales, merchant partnerships, platforms, aggregators, and embedded credit flows.
• Personally engage and activate high-value merchants, distributors, and enterprise partners when required.

Lead Generation & Conversion

• Build and execute end-to-end lead generation strategies for SME and merchant borrowers.
• Optimize onboarding, credit approval, and drawdown conversion funnels using data, field insights, and customer behavior.
• Drive high approval-to-disbursement conversion rates.

Merchant Engagement & Acquisition

• Identify high-quality merchant clusters, trade groups, and business networks for onboarding into CredPal’s business credit ecosystem.
• Drive strong merchant activation, utilization, and repeat borrowing behavior.

Portfolio Quality & Repayment

• Ensure credit is disbursed to creditworthy businesses through disciplined screening, segmentation, and behavioral monitoring.
• Monitor repayment performance, delinquency trends, and PAR closely.
• Partner cross-functionally to execute proactive delinquency prevention and recovery strategies.

Data-Driven Execution

• Maintain and analyze dashboards covering disbursement volume, active borrowers, utilization rates, repayment behavior, and risk metrics.
• Use insights to drive tactical field interventions, channel optimization, and growth prioritization.

Market Intelligence

• Stay deeply informed on SME lending trends, competitor activity, pricing models, and borrower behavior.
• Continuously refine acquisition strategies and product positioning based on market signals.

Cross-Functional Coordination

• Work closely with credit risk, operations, marketing, partnerships, and product teams to ensure seamless execution across the credit lifecycle.
• Ensure alignment between credit policy, commercial objectives, and operational capacity.

Reporting & Forecasting

• Deliver regular executive performance reports with actionable insights.
• Own accurate forecasting of monthly disbursement, pipeline velocity, and collections performance.

KPIs / Success Metrics

• Monthly Business Credit Disbursement Volume
• Number of Active Disbursed Business Accounts
• Daily / Weekly Disbursement per Channel
• Lead Conversion Rate (Onboarding → Disbursed)
• Portfolio at Risk (PAR) below benchmark
• Credit Repayment Collection Rate
• Pipeline Velocity & Conversion
• Repeat Borrowing Rate
• Average Ticket Size Growth
• Sales Productivity

Requirements

• Bachelor’s degree in Finance, Economics, Business, or a related field (MBA or relevant professional certifications are an advantage).
• Minimum of 5 – 8 years’ experience in SME lending, business credit, merchant financing, or commercial banking, with at least 3 years in a leadership role.
• Proven track record of driving high-volume business credit disbursements, consistently meeting or exceeding aggressive monthly targets (₦1B+ preferred).
• Experience within a fintech, microfinance, or high-growth lending environment is strongly preferred.
• Deep hands-on experience across working capital loans, merchant financing, invoice financing, credit lines, and embedded credit products.
• Strong merchant and SME networks, with demonstrated ability to activate and scale acquisition channels.
• Solid understanding of credit risk assessment, portfolio management, collections, and delinquency control within SME lending.
• Highly execution-focused leader with the ability to drive field activity personally, pipeline conversion, and merchant activation.
• Strong analytical skills with experience using dashboards, KPIs, and data insights to drive decision-making and performance optimization.
• Excellent stakeholder management skills with the ability to work cross-functionally across Risk, Product, Operations, Partnerships, and Marketing.
• High level of commercial acumen, accountability, and ownership mindset.