Jobs at Unified Payment Services Limited

Job Summary

• The Group Head – Payarena Mall will be responsible for the strategic leadership, operational governance, and business performance of the Fashion & Lifestyle and General Merchandise verticals.
• This role requires a deep understanding of e-commerce dynamics, strong vendor and category management skills, and experience leading cross-functional teams across marketing, operations, merchandising, logistics, and customer experience.

Responsibilities

• Define and execute the business strategy for both the Fashion & Lifestyle and General Merchandise departments.
• Lead category growth through assortment planning, pricing strategy, vendor acquisition, and brand partnerships.
• Drive key metrics including traffic, conversion, GMV, customer retention, and profitability.
• Oversee merchandising, campaign planning, online merchandising, and promotions to enhance customer engagement and sales.
• Collaborate with marketing, product, technology, and logistics teams to deliver a seamless end-to-end customer experience.
• Establish strong vendor management frameworks—ensuring quality control, pricing consistency, and timely fulfillment.
• Monitor performance data and consumer insights to refine strategy and inform decision-making.
• Ensure operational excellence across supply chain, inventory, and fulfillment processes.
• Represent Payarena Mall at leadership forums and collaborate closely with executive management on strategic initiatives.

Key Performance Indicators (KPIs)

• As agreed from time to time based on business exigencies.

Requirements

• A Degree / HND Bachelor’s Degree in Finance, Business, Engineering, Computer Science, or a related discipline.
• Minimum of 14 years of experience in e-commerce, retail, digital marketplaces, or consumer goods with at least 5 years in a senior leadership role.
• Post NYSC experience.

Key Competencies:
Knowledge / Experience:

• Proven experience scaling or managing online retail operations across multiple categories.
• Strong knowledge of digital merchandising, vendor management, marketplace dynamics, and user acquisition strategies.
• Excellent business acumen, data-driven decision-making ability, and strong commercial instincts.
• Exceptional leadership, communication, and cross-functional collaboration skills.
• Demonstrated ability to build and manage high-performance teams in a dynamic environment.
• Entrepreneurial mindset with a passion for innovation and operational efficiency.
• Prior experience at or working with large e-commerce platforms (e.g., Jumia, Konga, Amazon, Shopify-based marketplaces).
• Understanding of digital payments, logistics integrations, and omnichannel commerce models.
• Experience managing a tech-enabled marketplace or startup from early stage to

Staff Attraction, Motivation and Retention:

• Fill vacant roles within the department in a timely manner and provide
• opportunities for growth and development.
• Provide training, mentorship, and up-skilling programs.
• Recognize and reward individual and team achievements and contribution.
• Encourage open communication and feedback.
• Give employees autonomy and ownership of their work to motivate them.
• Foster a positive work culture that encourages collaboration, innovation, and
• creativity.
• Regularly engage direct reports to understand their needs and concerns.
• Foster a diverse and inclusive work environment that values different perspectives
• and backgrounds.

Skill / Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

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Job Objectives

• As an Analyst in the Public Sector team, will be responsible for managing key government relationships, driving adoption of our payment solutions within ministries, departments, and agencies (MDAs), and supporting strategic growth initiatives across the public sector landscape.

Responsibilities

• Develop and manage relationships with key stakeholders in the public sector, including MDAs, regulators, and government partners.
• Identify and pursue opportunities for payment solution deployment across federal, state, and local government entities.
• Coordinate the end-to-end implementation of payment and collection platforms in line with government and institutional requirements.
• Provide subject-matter support during engagements, tenders, or proposal submissions for public sector opportunities.
• Collaborate with internal stakeholders (product, legal, compliance, technology, and operations) to ensure client expectations are met.
• Analyze performance metrics and generate periodic reports on transactions, usage trends, and revenue contributions.
• Monitor market developments and regulatory changes affecting government payments and advise the business accordingly.
• Represent the company at relevant public forums, stakeholder meetings, and industry events.

Key Performance Indicator

• As agreed from time to time based on business exigencies.

Requirements
Education:

• Bachelor’s degree in Public Administration, Finance, Business, Political Science, or a related field.

Experience:

• Minimum 5 years of progressive experience in client relationship management, public sector engagement, or digital payment solution roles. Post NYSC experience.

Key Compentencies Requirements
Knowledge/Experience:

• Strong understanding of public sector procurement processes and digital transformation initiatives.
• Experience with payment systems, remittance platforms, and government collections is an advantage.
• Excellent communication, presentation, and negotiation skills.
• Proactive, self-driven, and capable of managing multiple engagements with minimal supervision.
• Proficiency in Microsoft Office (Excel, Word, PowerPoint).

Preferred Attributes:

• Prior experience in a fintech, commercial bank, or technology company servicing government clients.
• Demonstrated success in managing long-term institutional relationships.
• Familiarity with financial regulations and public sector digitalization frameworks in Nigeria.

Skill/Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

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Job Objectives

• The Relationship Officer – Other Financial Institutions (OFIs) is responsible for managing and expanding strategic partnerships with microfinance banks, mortgage banks, finance companies, digital lenders, and other non-bank financial institutions
• The role focuses on driving business growth through collaboration, integration, and cross-selling of the company’s fintech solutions and payment services, while ensuring strong relationship management, compliance, and operational excellence.

Responsibilities
Partnership & Relationship Management:

• Develop and maintain productive business relationships with key decision-makers in other financial institutions (OFIs).
• Serve as the primary point of contact for partner institutions, ensuring timely communication and issue resolution.
• Identify partnership opportunities that align with the company’s financial inclusion and revenue growth objectives.
• Negotiate and manage partnership agreements, SLAs, and commercial terms.
• Conduct periodic performance reviews with partners to assess service quality, transaction performance, and growth potential.

Business Development & Growth:

• Drive adoption of the company’s payment and fintech solutions across partner OFIs.
• Collaborate with internal product, technology, and operations teams to onboard new partners and deploy services efficiently.
• Identify and execute initiatives that enhance transaction volumes, float balances, and cross-platform activities.
• Support product innovation and joint solutions targeted at the OFI segment.

Operational & Risk Management:

• Monitor and ensure partner compliance with regulatory requirements, internal policies, and operational standards.
• Resolve operational challenges in collaboration with internal support teams.
• Track and reconcile financial transactions, settlements, and partner accounts as required.
• Maintain accurate and updated partner records in CRM or internal systems.

Performance Monitoring & Reporting:

• Analyze partner performance metrics and prepare periodic business and performance reports.
• Provide insights on market trends, competitor activities, and emerging opportunities in the OFI space.
• Support management decision-making through data-driven reporting and recommendations.

Key Performance Indicator

• As agreed from time to time based on business exigencies.

Requirements
Education:

• Bachelor’s degree in Finance, Economics, Business Administration, Banking, or a related field.

Experience:

• Minimum 5years of relevant experience in relationship management, partnership development, or business development within the financial services or fintech sector within the OFI segment. Post NYSC experience.

Key Compentencies Requirements
Knowledge/Experience:

• Understanding of the regulatory landscape and operational models of non-bank financial institutions in Nigeria.
• Strong interpersonal, communication, and analytical skills.
• Proficiency in Microsoft Office tools (Excel, Word, PowerPoint); familiarity with CRM platforms is an advantage.
• Ability to manage multiple accounts, prioritize tasks, and deliver on performance targets.

Preferred Attributes:

• Experience in a fintech, MFB, finance house, or B2B payment service provider.
• Familiarity with digital channels such as APIs, wallets, and agency banking platforms.
• Strong customer orientation with a problem-solving mindset.
• Ability to work both independently and collaboratively in a structured environment.

Skill/Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

go to method of application »

Job Objectives

• As a Head, Public Sector, will be responsible for driving the strategic engagement, growth, and performance of our public sector initiatives—leading the development, deployment, and adoption of innovative payment solutions across federal, state, and local government agencies.
• This leadership role requires a deep understanding of government operations, regulatory environments, and fintech ecosystems, combined with a strong track record in public sector relationship management and business development.

Duities and Responsibilities

• Strategic Leadership: Define and execute the department’s growth strategy in alignment with the company’s vision for public sector engagement and digital transformation.
• Government Relationship Management: Build and sustain high-level relationships with MDAs, regulatory bodies, public enterprises, and other key stakeholders.
• Solution Deployment & Expansion: Oversee the design, customization, and rollout of payment and revenue collection solutions for public institutions.
• Team Management: Lead and mentor a team of public sector professionals; drive accountability, performance, and development within the team.
• Cross-functional Collaboration: Work closely with legal, compliance, technology, product, and operations teams to deliver effective and compliant public sector solutions.
• Performance Monitoring: Develop KPIs and performance dashboards to track adoption, usage, revenue contribution, and operational efficiency.
• Regulatory Intelligence: Monitor government policies, reforms, and digital initiatives that may impact the fintech landscape; serve as the voice of the public sector internally.
• Advocacy & Representation: Represent the company at key industry engagements, stakeholder forums, and public-private partnership dialogues.

Key Performance Indicator

• As agreed from time to time based on business exigencies.

Requirements

• Education: Bachelor’s degree in Public Administration, Political Science, Economics, Business, or a related field (Master’s degree or MBA is a plus).
• Experience: Minimum 10 years of relevant experience in public sector engagement, digital payments, fintech, or financial services—at least 3 years in a leadership role. Post NYSC experience.

Key Compentencies Requirements
Knowledge/Experience:

• Proven track record of managing government relationships and driving adoption of technology-driven solutions.
• In-depth understanding of public sector procurement, government payment systems, and policy frameworks.
• Exceptional leadership, communication, and stakeholder management skills.
• Strategic thinker with strong analytical and business development capabilities.
• Proficient in Microsoft Office Suite, with experience using CRM and reporting tools.
• Previous experience working with or within public sector institutions, ministries, or government-owned enterprises.
• Familiarity with NITDA, EFCC, FIRS, CBN policies, and national digital transformation agendas.
• Ability to navigate political and regulatory complexities with diplomacy and tact.

Skill/Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

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Job Objectives

• The Group Head, Payarena VAS and Verification, will provide strategic leadership and operational oversight for the Verification and Value-Added Services business unit.
• The role is responsible for driving innovation, ensuring regulatory compliance, expanding product offerings, and achieving revenue growth through customer-centric solutions.
• The Group Head will collaborate across functions, manage key stakeholders, and lead the team to deliver superior verification and VAS products that strengthen Payarena’s competitive position in the fintech ecosystem.

Responsibilities
Strategic Leadership & Business Growth:

• Define and execute the business strategy for the VAS and Verification group.
• Identify market trends, customer needs, and new opportunities for product development.
• Drive revenue growth, profitability, and market share expansion.
• Develop annual business plans, budgets, and performance goals.

Product Development & Innovation:

• Oversee the design, development, and deployment of verification and VAS products.
• Champion continuous innovation and integration of emerging technologies.
• Ensure solutions are scalable, secure, and aligned with industry best practices.

Operational Management:

• Manage day-to-day operations of the Verification and VAS group.
• Ensure compliance with all regulatory requirements (e.g., CBN, NCC, NIBSS, NDPC).
• Develop and monitor KPIs to track operational efficiency and customer satisfaction.
• Build partnerships with service providers, telcos, and third-party vendors.

Stakeholder Engagement:

• Act as the primary liaison between the business group and key internal/external stakeholders.
• Represent Payarena in industry forums, partnerships, and regulatory engagements.
• Build and maintain strong relationships with clients, partners, and regulators.

People & Performance Management:

• Lead, mentor, and motivate the Verification and VAS team.
• Build a high-performing culture that emphasizes accountability and innovation
• Provide training, coaching, and career development opportunities.

Key Performance Indicator

• As agreed from time to time based on business exigencies.

Requirements
Education:

• Bachelor’s degree in Business Administration, Finance, Computer Science, Engineering, or related field. Master’s degree/MBA is an advantage.

Experience:

• Minimum of 14 years’ experience in fintech, digital payments, telecoms, or financial services, with at least 5 years in a senior leadership role. Post NYSC experience.

Staff Attraction, Motivation and Retention:

• Fill vacant roles within the department in a timely manner and provide
• opportunities for growth and development.
• Provide training, mentorship, and up-skilling programs.
• Recognize and reward individual and team achievements and contribution.
• Encourage open communication and feedback.
• Give employees autonomy and ownership of their work to motivate them.
• Foster a positive work culture that encourages collaboration, innovation, and
• creativity.
• Regularly engage direct reports to understand their needs and concerns.
• Foster a diverse and inclusive work environment that values different perspectives
• and backgrounds.

Key Competencies:
Knowledge/Experience:

• Strong knowledge of verification services (KYC, identity, background checks) and VAS (airtime, bills, digital services).
• Proven track record of driving business growth and managing P&L responsibilities.
• Strong regulatory knowledge and compliance management experience.
• Excellent leadership, communication, and stakeholder management skills.
• Analytical, strategic thinker with a passion for innovation and digital transformation.

Skill/Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

go to method of application »

Job Objectives

• As an Analyst in the Corporates team, you will take ownership of critical client relationships and projects, driving the delivery, optimization, and success of our payment products for enterprise clients.
• You will work closely with cross-functional teams—product, engineering, compliance, and operations—to manage solution implementation, address client needs, and support strategic growth initiatives.

Duties and Responsibilities

• Manage the onboarding and end-to-end implementation of complex payment solutions for corporate clients.
• Act as the primary point of contact for mid-to-large enterprise accounts, supporting payment product adoption and operational excellence.
• Collaborate with internal teams to troubleshoot issues, drive resolutions, and ensure timely delivery of services.
• Analyze client transaction trends and provide actionable insights to improve usage, efficiency, and engagement.
• Prepare solution proposals, process documentation, and training materials for clients and internal stakeholders.
• Support the design and execution of scalable client servicing processes and tools.
• Identify opportunities for product and process improvements based on client feedback and market developments.
• Ensure compliance with regulatory and risk standards in all client and operational activities.

Key Performance Indicator

• As agreed from time to time based on business exigencies.

Requirements
Education:

• An HND / Bachelor’s Degree in Finance, Business, Engineering, Computer Science, or a related discipline.

Experience:

• Minimum of 5 years of experience in fintech, corporate banking, treasury, payments, or enterprise client services. Post NYSC experience.

Key Competency Requirements
Knowledge/Experience:

• Solid understanding of payment systems and B2B payment instruments (NEFT, RTGS, UPI, IMPS, ACH, SWIFT, etc.).
• Experience working with enterprise clients or partner integrations in a high-growth or regulated environment.
• Strong project management skills with the ability to manage cross-functional stakeholders.
• Analytical mindset with proficiency in Excel and/or SQL; comfort working with data to drive decisions.
• Excellent communication, relationship management, and problem-solving skills.
• Ability to thrive in a fast-paced, client-centric, and evolving environment.

Skill/Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

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Job Objectives

• Payarena Mall, the digital commerce arm of our fintech company, is seeking an experienced and commercially driven Head of General Merchandise to lead and scale the department.
• This role is responsible for the strategic direction, vendor portfolio growth, product assortment optimization, and revenue generation across a wide range of non-fashion categories such as electronics, home & kitchen, personal care, baby products, office supplies, and more.
• The ideal candidate will have deep experience in e-commerce or retail, exceptional leadership capabilities, and a strong commercial mindset to drive growth, profitability, and market competitiveness.

Responsibilities
Strategic Leadership & Category Management:

• Define and execute the strategic roadmap for the General Merchandise Department, aligned with Payarena Mall’s overall vision and growth targets.
• Lead category planning, assortment strategy, and pricing initiatives to improve customer experience and drive conversions.
• Identify trends and demand patterns to expand and optimize the product offering across key verticals.

Vendor & Partner Management:

• Acquire, manage, and grow relationships with high-impact vendors, distributors, and brand partners.
• Negotiate commercial terms, supplier incentives, exclusivity deals, and strategic campaigns.
• Monitor vendor compliance with SLAs on pricing, quality, stock availability, and fulfillment.

Revenue & Performance Management:

• Drive revenue growth through assortment expansion, product bundling, pricing strategy, and promotions.
• Track sales performance, conversion metrics, and customer feedback; use insights to adjust
• strategy and enhance performance.
• Ensure effective execution of merchandising, catalog management, and content optimization.

Team Leadership & Collaboration:

• Lead and mentor a team of category managers, business development executives, and account officers.
• Collaborate cross-functionally with marketing, technology, logistics, customer service, and finance to ensure operational excellence.
• Foster a culture of accountability, innovation, and continuous improvement.

Key Performance Indicator

• As agreed from time to time based on business exigencies.

Job Requirements
Education:

• Bachelor’s degree in Business Administration, Supply Chain, Marketing, or related field (MBA is a plus).

Experience:

• Minimum 10 years of relevant experience in e-commerce, retail, or FMCG—minimum 3 years in a senior leadership role. Post NYSC experience.

Compentencies Requirements
Knowledge/Experience:

• Proven track record in managing multiple product categories and delivering commercial success.
• Deep understanding of vendor ecosystem, inventory planning, pricing strategies, and customer behavior.
• Strong leadership, negotiation, and analytical skills.
• Excellent written and verbal communication.
• Proficiency in Excel, ERP systems, and e-commerce dashboards (e.g., Shopify, Magento, WooCommerce).

Preferred Attributes:

• Previous experience in managing general merchandise categories on an e-commerce platform.
• Strong market knowledge of consumer goods in Nigeria.
• Results-oriented with a passion for retail and customer satisfaction.
• Ability to thrive in a fast-paced, data-driven, and evolving environment.

Skill/Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

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Job Description 

• Payarena Mall, the digital commerce arm of our fintech company, is seeking a seasoned Business Relationship Officer to drive vendor engagement and category growth within the Fashion & Lifestyle department.
• The ideal candidate will play a key role in developing and managing high-value merchant relationships, curating competitive product selections, and ensuring operational excellence across the category.
• This position requires a combination of relationship management expertise, e-commerce awareness, and a strong interest in the fashion and lifestyle industry.

Duties and Responsibilities 

• Identify, onboard, and manage top-tier fashion and lifestyle merchants (apparel, footwear, accessories, beauty products, etc.).
• Develop and maintain strong commercial relationships with vendors, focusing on growth, retention, and category competitiveness.
• Analyze vendor performance, sales data, and market trends to optimize product assortment, pricing, and promotions.
• Collaborate with marketing, content, and operations teams to execute campaigns and ensure optimal merchant visibility on the platform.
• Support the implementation of sales strategies and category expansion plans aligned with Payarena Mall's business goals.
• Ensure merchants meet SLAs on product availability, fulfillment, and customer service.
• Resolve merchant issues promptly and maintain accurate records of engagements and agreements.
• Act as a liaison between merchants and internal stakeholders to ensure seamless collaboration and platform usage.

Key Performance Indicators

• As agreed from time to time based on business exigencies.

 Job Requirements
Education:

• Bachelor’s degree in Business Administration, Marketing, Fashion Merchandising, or a related field.

Experience:

• Minimum 5 years of relevant experience in vendor relationship management, fashion retail, or e-commerce. Post NYSC experience.

 Key Competency Requirements
Knowledge/Experience:

• Strong understanding of Nigeria’s fashion retail market and online consumer behavior.
• Proven experience managing merchant performance and driving commercial growth.
• Excellent communication, negotiation, and interpersonal skills.
• Strong analytical skills with proficiency in Excel and data visualization tools.
• Experience working with e-commerce platforms or marketplaces (e.g., Jumia, Konga, Shopify) is a plus.
• Ability to work independently and handle multiple merchant accounts simultaneously.

Preferred Attributes:

• A genuine passion for fashion, lifestyle products, and digital commerce.
• Entrepreneurial mindset and commercial acumen.
• Experience working in a startup or dynamic retail environment.
• Understanding of inventory management, pricing strategy, and digital merchandising.

Skill /Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

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Job Objectives

• The Head, Web Acquiring will lead and manage Payloft’s online payments acquiring function, driving strategy, product performance, merchant growth, and operational excellence.
• This role oversees all web-based merchant payment solutions, ensuring seamless onboarding, secure transaction processing, and strong revenue performance.
• The ideal candidate will have deep experience in digital payments, merchant acquiring, fintech operations, and strategic leadership.

Duties and  Responsibilities
Strategic Leadership & Planning:

• Develop and execute the overall strategy for the Web Acquiring department in alignment with Payloft’s business direction.
• Identify market opportunities, emerging payment trends, and competitive landscapes to shape product and commercial priorities.
• Drive initiatives to increase transaction volume, revenue, and market share.

Merchant Acquisition & Management:

• Oversee the end-to-end online merchant onboarding process, ensuring speed, compliance, and operational accuracy.
• Build and maintain strategic relationships with key merchants, payment partners, and technology vendors.
• Implement merchant segmentation and targeted growth strategies.

Product & Technology Oversight:

• Collaborate with Product, Engineering, and Compliance teams to develop and optimize web acquiring solutions (APIs, payment gateways, checkout products, plugins, etc.).
• Ensure high system uptime, strong security standards, and improved user experience across all acquiring channels.
• Lead innovation initiatives to keep Payloft ahead in digital commerce and payments.

Operational Excellence:

• Establish and enforce efficient processes for transaction monitoring, fraud management, settlements, and dispute resolution.
• Ensure adherence to regulatory requirements, including PCI-DSS, data security, and risk compliance.
• Develop KPIs, dashboards, and performance metrics for continuous improvement.

Team Leadership & Relationship Management:

• Lead, mentor, and grow a high-performing Web Acquiring team.
• Collaborate cross-functionally with Risk, Finance, Engineering, Sales, Legal, and Support teams.
• Represent the department in strategic meetings and stakeholder engagements.
• Recruitment: Support HR in CV selection and review

Staff Attraction, Motivation and Retention:

• Fill vacant roles within the department in a timely manner and provide opportunities for growth and development.
• Provide training, mentorship, and upskilling programs.
• Recognize and reward individual and team achievements and contribution.
• Encourage open communication and feedback.
• Give employees autonomy and ownership of their work to motivate them.
• Foster a positive work culture that encourages collaboration, innovation, and creativity.
• Regularly engage direct reports to understand their needs and concerns.
• Foster a diverse and inclusive work environment that values different perspectives and backgrounds

Key Performance Indicators

• As agreed from time to time based on business exigencies.

Job Requirements

• Education: Bachelor's degree in Business, Computer Science, Marketing, or a related field (Master’s degree or MBA is an advantage).
• Experience: Minimum 10 years of relevant experience in fintech, digital payments, merchant acquiring, online commerce, or payment gateways. Post NYSC experience.

Key Competency / Requirements:
Knowledge/Experience:

• Proven leadership experience managing teams and complex operational functions.
• Strong understanding of online payments infrastructure: APIs, gateways, processors, fraud tools, settlement systems, and merchant lifecycle.
• Working knowledge of payment regulations and industry standards (PCI-DSS, KYC, AML, etc.).
• Excellent problem-solving, analytical, and communication skills.
• Ability to drive commercial growth while managing operational risk.
• Strong stakeholder management and negotiation skills.

Preferred Attributes:

• Experience working in a fast-paced fintech environment.
• Strong project management capabilities.
• Knowledge of emerging payment technologies such as tokenization, alternative payment methods (APMs), recurring billing, and subscription management.

Skill / Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

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Job Objectives

• We are seeking a Payloft Associate to join our dynamic team.
• The ideal candidate will have a strong background in fintech, e-commerce, and digital payments. This role involves managing digital payment operations, supporting product development, ensuring compliance, and delivering excellent customer and merchant experiences.

Duties and Responsibilities

• Support the development and execution of Payloft’s payment solutions within the e-commerce group.
• Oversee day-to-day digital payment operations, including transaction monitoring, reconciliation, and issue resolution.
• Collaborate with product, technology, and compliance teams to design and improve payment workflows.
• Conduct market research to identify opportunities for innovation in e-commerce payments.
• Ensure adherence to financial regulations, risk management policies, and compliance standards.
• Provide insights on customer and merchant feedback to improve Payloft products.
• Prepare reports and dashboards to track KPIs and department performance.
• Assist in onboarding and supporting merchants and partners using Payloft solutions.

Key Performance Indicators

• As agreed from time to time based on business exigencies.

Job Requirements

• Education: Bachelor’s degree in Finance, Business Administration, Economics, Computer Science, or a related field.
• Experience: Minimum of 3 years of relevant work experience in fintech, digital payments, e-commerce, or financial services. Post NYSC experience.

Key Competency Requirements
Knowledge / Experience:

• Strong understanding of payment systems, digital wallets, and online transaction processes.
• Familiarity with regulatory frameworks, risk management, and compliance in financial services.
• Excellent problem-solving, analytical, and communication skills.
• Proficiency in MS Office, payment platforms, and relevant fintech tools.
• Ability to work collaboratively in a fast-paced, innovative environment.

Preferred Attributes:

• Experience with APIs and payment integrations.
• Knowledge of emerging fintech trends (blockchain, BNPL, digital currencies).
• Project management and stakeholder engagement experience.

Skill/Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

go to method of application »

Job Objectives

• The Group Head, Payloft, is responsible for providing strategic leadership and overall management of the Payloft payment gateway’s operations within the E-Commerce Directorate.
• The role encompasses overseeing the product strategy, compliance, partnerships, and revenue growth while ensuring exceptional user experiences for both merchants and customers.
• As the Chief Product Manager, the Group Head will lead the design, development, and continuous improvement of the Payloft payment gateway, driving innovation, scalability, and profitability in alignment with the organization’s overall goals.

Duties and Responsibilities
Strategic & Leadership Responsibilities:

• Lead and direct the strategic development of Payloft’s payment gateway, ensuring alignment with overall business goals.
• Develop and execute short- and long-term business plans for the payment gateway, including product strategy and market positioning.
• Serve as the Chief Product Manager, overseeing the entire product lifecycle from ideation to execution for the Payloft Payment Gateway.
• Lead, mentor, and manage the Payloft product and web acquiring teams, ensuring optimal performance, innovation, and capacity development.
• Represent Payloft Payment Gateway in senior management forums and key external stakeholder engagements.

Product Oversight & Operations:

• Oversee all aspects of the payment gateway, enhancing the payment methods (currently Pay with phone number, Pay by Transfer, Cards and Pay with PaytentQR), enhancing functionalities (currently Refunds, Card on file, Recurring Payments, International card acceptance), ensuring seamless transactions, system reliability, and high operational efficiency.
• Drive the design, development, and optimization of the payment gateway and portal/dashboard features, workflows, and user experience.
• Work cross-functionally with Technology, Risk, Compliance, Audit, Finance and Settlement teams to ensure the scalability, security, and regulatory compliance of the platform.
• Oversee the onboarding, training, and support of new merchants and partners, ensuring seamless integration and long-term retention.
• Continuously enhance product offerings based on market trends, customer feedback, and emerging technologies.

Risk, Compliance & Governance:

• Ensure the payment gateway is fully compliant with all applicable financial regulations, industry standards, and internal policies.
• Ensure the Implementation of an effective fraud monitoring, dispute resolution processes, and risk control mechanisms to safeguard the Payloft platform.
• Serve as the primary point of accountability for regulatory and audit matters related to Payloft Payment Gateway.
• Ensure the platform meets the highest standards of data security and operational integrity.

Business Development & Market Growth:

• Identify new business opportunities, partnerships, and revenue streams within the fintech and online merchant ecosysytems.
• Conduct market research, competitor analysis, and customer segmentation to drive product innovation and differentiation.
• Leverage customer and merchant insights to refine product offerings, improve user experience, and expand market share.
• Build strong relationships with external partners, developer communities, including financial institutions, fintech companies, and third-party service providers.

Performance Management & Reporting:

• Define and monitor key performance indicators (KPIs), product metrics, and growth targets for the Payloft Payment Gateway.
• Track and evaluate performance, presenting regular progress reports to executive leadership.
• Ensure the achievement of financial, operational, and customer satisfaction goals, while optimizing resource allocation and product investments.

Key Performance Indicators

• Revenue growth and profitability of the Payloft Payment Gateway.
• Transaction count and value per payment option.
• Growth in gateway payment options and functionalities
• Merchant acquisition, retention, and satisfaction levels.
• Transaction success rate, uptime, and operational efficiency.
• Compliance, risk management, and audit performance.
• Team performance and delivery against product and strategic objectives.

Job Requirements
Education:

• Bachelor’s degree in Finance, Business Administration, Economics, Computer Science, or a related field.
• A Master’s degree or relevant professional certifications in Product Management or Fintech will be an added advantage.

Experience:

• Minimum of 14years of relevant product / business management and development experience in fintech, digital payments, e-commerce, or financial services.
• At least 5 years in a leadership role, with significant experience managing product teams and product lifecycles.
• Proven expertise in product strategy, digital payment systems, and driving product innovation.

Key Competency Requirements:
Knowledge & Experience:

• In-depth understanding of digital payment systems, payment gateway technologies, and online transaction ecosystems.
• Strong familiarity with regulatory frameworks, compliance standards, and risk management in the digital payments and fintech space.
• Proven experience in leading product teams, executing product roadmaps, and driving business growth.
• Strong analytical and problem-solving abilities, with the capacity to make data-driven decisions.

Preferred Attributes:

• Experience with payment gateway integrations, APIs, and fintech platforms.
• Knowledge of emerging fintech trends (such as QR, blockchain, and digital currencies).
• Strong project management experience and ability to lead cross-functional teams.

Skill / Competencies:

• Exceptional leadership and team management skills.
• Strong ability to communicate effectively, both written and verbal.
• High-level negotiation and deal-closing capabilities.
• Strategic thinking with a focus on execution and delivery.
• Excellent organizational and stakeholder-management skills, with the ability to work in a high-pressure, fast-paced environment.

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Job Objective

• The Relationship Officer – Value Added Services (VAS) is responsible for managing, nurturing, and expanding relationships with VAS partners and service providers across the company’s digital ecosystem.
• The role involves driving growth in VAS revenue streams (such as airtime, data, bills payment, digital content, and subscription services), ensuring partner satisfaction, operational excellence, and innovative service delivery that enhances customer experience and engagement.

Partner & Relationship Management:

• Develop and maintain strong business relationships with VAS partners, aggregators, and service providers.
• Act as the primary liaison between the company and VAS partners to ensure effective collaboration and issue resolution.
• Negotiate partnership terms, pricing, and revenue-sharing agreements in alignment with business goals.
• Monitor partner performance to ensure adherence to SLAs, regulatory compliance, and service quality standards.

VAS Operations & Performance:

• Oversee daily operations and performance of all VAS offerings, including airtime recharge, data bundles, TV subscriptions, bill payments, gift cards, and other digital services.
• Track, analyze, and report VAS transaction volumes, revenues, and trends to identify growth opportunities.
• Coordinate with technology and product teams to ensure smooth service integration, platform stability, and minimal downtime.
• Implement initiatives to improve service delivery, transaction success rates, and customer satisfaction.

Business Development & Growth:

• Identify and onboard new VAS partners and products that align with the company’s strategic objectives.
• Support marketing initiatives and promotional campaigns to drive user adoption and engagement with VAS products.
• Conduct competitive analysis to ensure the company remains innovative and market-leading in VAS offerings.
• Work closely with finance to ensure timely reconciliation and settlement with partners.

Reporting & Analysis:

• Generate periodic performance reports and dashboards on VAS revenue, partner activity, and market trends.
• Provide actionable insights and recommendations for optimizing existing partnerships and launching new VAS initiatives.

Key Performance Indicators

• As agreed from time to time based on business exigencies.

Requirements

• Educational Qualification: Bachelor’s degree in Business Administration, Marketing, Economics, Computer Science, or related field.
• Experience: Minimum 5 years of experience in VAS, digital payments, fintech, or telecoms industry, with proven experience managing partnerships or accounts. Post NYSC experience.

Key Compentecies:
Knowledge/Experience:

• Strong understanding of prepaid services, airtime/data systems, bill payments, and subscription-based models.
• Excellent coordination, communication, and relationship management skills.
• Data-driven mindset with proficiency in Excel, dashboards, and reporting tools.
• Comfortable working in a fast-paced, tech-driven environment with multiple external vendors.

Preferred Attributes:

• Experience working with telco aggregators, digital service resellers, or Microtransaction platforms.
• Ability to identify and drive improvements in process automation and product efficiency.
• Customer-centric mindset with attention to detail and issue resolution.
• Familiarity with APIs and integrations for digital services (not mandatory, but advantageous).

Skill/Competencies:

• Strong interpersonal skills.
• Excellent written/oral communication skills.
• Strong analytical skills.
• Organizational skills.
• Confident negotiator and ability to close the right type of business deals at the highest level.

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Job Objective

• The Relationship Officer (General Merchandise) will be responsible for managing and growing merchant relationships within the general merchandise category on the company’s digital mall platform.
• The role involves onboarding, nurturing, and optimizing vendor performance, driving category sales growth, and ensuring excellent customer experience through quality product listings, pricing competitiveness, and inventory availability.

Duties and Responsibilities 
Merchant Relationship Management:

• Build and maintain strong relationships with general merchandise vendors (electronics, fashion, home & living, etc.).
• Serve as the primary point of contact for assigned merchants, ensuring satisfaction and continuous engagement.
• Negotiate and manage merchant agreements, commission rates, and promotional partnerships.
• Provide ongoing business support, addressing merchant concerns and ensuring adherence to platform policies.

Category Growth & Performance:

• Develop and implement category strategies to grow sales, improve assortment, and increase market share.
• Monitor and analyze vendor performance metrics (sales, conversion rates, return rates, etc.) and take corrective actions when necessary.
• Identify and onboard new strategic merchants to strengthen the platform’s general merchandise offering.
• Collaborate with marketing and analytics teams to design campaigns that drive visibility and conversion

Operational Excellence:

• Ensure high-quality product listings, accurate pricing, and consistent availability across the platform.
• Coordinate with internal operations, logistics, and customer service teams to ensure smooth order fulfillment.
• Track inventory levels and coordinate restocking with vendors.
• Manage escalation of vendor-related issues to ensure timely resolution.

Business Intelligence & Reporting:

• Prepare periodic reports on category performance, vendor sales, and growth opportunities.
• Monitor industry trends, competitor activities, and consumer behavior to inform strategic decisions.
• Provide insights to guide product sourcing, pricing strategies, and promotional plans.

 Key Performance Indicator

• As agreed from time to time based on business exigencies.

 Job  Requirements
Education:

• Bachelor’s degree in Business Administration, Marketing, Economics, or a related field.

Experience:

• Minimum 5 years of relevant experience in e-commerce, retail, or vendor relationship management (preferably in a digital marketplace).
• Post NYSC experience.