Jobs at Strivo Labs

Role Overview

• We are seeking an experienced Business Development Manager – Payroll/Check-off Lending to drive the growth and performance of the private-sector payroll lending portfolio.
  The successful candidate will be responsible for developing employer partnerships, driving sales and loan origination, managing portfolio performance, and ensuring effective underwriting, remittance, risk management, and compliance.
• This role requires strong business development and relationship management skills, as well as the willingness to travel extensively across Nigeria.

Key Responsibilities
Employer Partnerships, Business Growth & Sales:

• Identify, onboard, and manage relationships with private-sector employers, including corporates and SMEs, to establish salary deduction or check-off partnerships.
• Drive loan origination, disbursement volumes, and portfolio growth in line with approved targets and risk appetite.
• Develop and improve the end-to-end payroll lending sales process, from employer prospecting and partnership development to employee acquisition, conversion, and loan disbursement.
• Own sales execution, ensuring agreed sales activities, pipeline targets, conversion rates, and growth objectives are achieved.
• Build and maintain a strong pipeline of prospective employer partnerships across target industries and locations.
• Collaborate with Sales, Business Development, Credit, Risk, and other relevant teams to drive business growth.
• Travel extensively across Nigeria to develop employer relationships, pursue business opportunities, support sales activities, and strengthen existing partnerships.

Underwriting & Deduction Management:

• Develop and continuously improve underwriting criteria for private-sector employees, considering employer credit standing, industry risk, employment tenure, income verification, and other relevant credit parameters.
• Work closely with employer HR and payroll teams to verify employment status, salary, deduction consent, and remittance compliance.
• Manage accounts where employees resign, are terminated, or change employers, including transitioning affected accounts from payroll deduction to direct collection where required.

Risk, Compliance & Portfolio Management:

• Monitor employer-level risk indicators, including restructuring, layoffs, delayed salary payments, financial distress, and other factors that may affect repayment performance.
• Take appropriate actions to manage employer exposure and maintain portfolio quality.
• Own portfolio performance, including PAR and NPL, and drive appropriate remedial and recovery actions on delinquent accounts.
• Work with Legal, Compliance, Credit, and Risk teams to ensure payroll lending activities and employer partnerships comply with regulatory and internal requirements.
• Balance portfolio growth with appropriate credit quality, risk management, and compliance controls.

Reporting & Performance Management:

• Prepare regular reports covering sales pipeline, employer acquisition, loan origination, disbursement volumes, conversion rates, PAR, NPL, employer partnerships, and remittance compliance.
• Track performance against agreed sales, growth, portfolio quality, and operational targets.
• Identify performance gaps and implement appropriate corrective actions.
• Monitor loan approval and disbursement turnaround times and drive improvements against agreed service targets.
• Provide management with insights on sales performance, portfolio trends, emerging risks, and new growth opportunities.

Requirements

• Bachelor's degree in Finance, Economics, Business Administration, or a related field.
• 6–10 years of experience in consumer or retail lending, with demonstrable exposure to payroll, public-sector, check-off, or similar lending.
• Proven experience managing a lending portfolio and driving portfolio growth and performance.
• Strong understanding of private-sector payroll/check-off lending and deduction structures.
• Strong credit risk judgement and portfolio analytics skills.
• Experience with loan management systems and reporting tools.
• Experience in fintech, consumer lending, or digital credit operations is highly preferred.
• Strong stakeholder management, negotiation, and relationship management skills.
• Relevant professional certification in credit, risk, banking, finance, or a related discipline is an advantage.
• CIBN, RIMAN, ICAN, or equivalent certification is an added advantage.
• Experience driving lending growth, portfolio improvement, or operational transformation initiatives is desirable.
• Strong ownership, judgement, resilience, and follow-through.
• Good understanding of regulatory and business environments.
• Willingness and ability to travel extensively across Nigeria.

What We're Looking For

• The ideal candidate should be commercially driven, relationship-focused, and comfortable managing both business growth and portfolio risk.
• You should be able to build strong employer partnerships, drive lending performance, analyze portfolio trends, and make sound credit and business decisions.

Compensation
Salary + Growth Bonus.

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Role Overview

• We are seeking an experienced and hands-on Financial Controller to oversee financial reporting, treasury, tax compliance, internal controls, budgeting, and audit functions.
• The successful candidate will ensure the accuracy and integrity of financial records, strengthen financial processes, support regulatory compliance, and provide reliable financial insights to management for strategic decision-making.
• The ideal candidate must have strong financial management experience, a solid understanding of IFRS, and proven experience in fundraising readiness and execution.

Key Responsibilities
Financial Reporting:

• Prepare accurate monthly, quarterly, and annual financial statements in line with IFRS, including IFRS 9 expected credit loss provisioning.
• Lead the month-end closing process and ensure timely preparation of management accounts.
• Present financial performance, variance analysis, and key financial ratios to management.
• Ensure the accuracy, completeness, and integrity of all financial records.

Loan Book and Portfolio Accounting:

• Oversee the accurate accounting of loan disbursements, repayments, interest income, fees, and write-offs.
• Reconcile loan management systems, payment gateways, and bank accounts.
• Work with Credit, Collections, and Risk teams to monitor portfolio quality, portfolio-at-risk (PAR), and impairment.
• Ensure appropriate accounting treatment and reporting of loan portfolio activities.

Treasury and Cash Management:

• Manage daily cash positions, liquidity planning, and cash flow forecasting.
• Monitor funding facilities, lender covenants, and debt obligations.
• Oversee payment processes, approval controls, and banking relationships.
• Support debt reporting and funding-related financial requirements.

Fundraising and Financial Planning:

• Prepare the organisation for fundraising through financial modelling, projections, data room preparation, and due diligence documentation.
• Support management in executing debt and equity fundraising activities, from investor and lender engagement through to closing.
• Coordinate post-funding reporting and ensure compliance with investor and lender requirements.
• Develop financial models to support business growth, pricing, product development, and funding decisions.

Internal Controls and Audit:

• Design, document, implement, and enforce financial controls, policies, and approval limits.
• Coordinate external audits and ensure timely resolution of audit findings.
• Identify and address control gaps, fraud risks, and potential revenue leakages.
• Strengthen financial governance, accountability, and operational efficiency.

Tax and Regulatory Compliance:

• Ensure timely and accurate filing of CIT, VAT, WHT, PAYE, and other applicable statutory returns.
• Ensure compliance with relevant financial regulations and reporting requirements.
• Support regulatory reporting obligations relating to CBN, FCCPC, and other relevant authorities, where applicable.
• Keep the organisation updated on changes in tax laws, financial regulations, and reporting standards.

Budgeting and Financial Planning:

• Lead the annual budgeting process and coordinate budget preparation across business units.
• Monitor expenditure against approved budgets and investigate significant variances.
• Provide financial forecasts and recommendations to support business planning and resource allocation.

Team Leadership:

• Lead, coach, and develop the Finance and Accounts team.
• Establish clear performance objectives and KPIs for team members.
• Improve finance processes, reporting systems, and the use of accounting and financial management tools.
• Promote accuracy, accountability, and continuous improvement within the finance function.

Requirements
Education and Professional Qualifications:

• Bachelor’s degree in Accounting, Finance, Economics, or a related discipline.ACA (ICAN) or ACCA qualification is required.
• An MBA or Master’s degree in Finance is an added advantage.CFA, CITN/ACTI, or other relevant professional certifications are an added advantage.

Experience:

• Minimum of 10 years of relevant professional experience, including at least 3 years in a financial management or leadership role.
• Proven experience in fundraising readiness and execution, including debt and/or equity financing.
• Experience in digital lending, fintech, microfinance, or consumer credit is an advantage.
• Demonstrated experience building and improving financial processes in a growing organisation.
• Experience presenting financial information to executive management, boards, lenders, or investors.

Technical Skills;

• Strong knowledge of IFRS, including IFRS 9, Nigerian tax laws, financial controls, and audit procedures.
• Understanding of relevant CBN and FCCPC reporting requirements.
• Advanced Excel skills and experience with ERP or accounting systems such as Sage, QuickBooks, Odoo, or Microsoft Dynamics.
• Experience with loan management systems and reporting tools such as Power BI is an advantage.

Core Competencies:

• High integrity, sound judgement, and strong attention to detail.
• Excellent financial analysis, reporting, and problem-solving skills.
• Strong leadership, communication, and stakeholder management abilities.
• Ability to manage competing priorities and meet strict reporting deadlines.
• Strategic thinking and the ability to build effective financial processes in a fast-growing business.