Who We Are

Moniepoint is Africa’s all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion and are Nigeria’s largest merchant acquirer. We are on a mission to create financial happiness for everyone, everywhere.

What We Do

At Moniepoint, we are a customer-focused community dedicated to crafting solutions that redefine our industry. We leverage artificial intelligence and data-driven best practices to support our businesses, from providing credit and overdrafts to ensuring every transaction is secure.

Curious about what makes Moniepoint an incredible place to work? Check out our stories on how we cultivate a culture of innovation, teamwork, and growth.

Role Overview

The Product Auditor provides independent assurance over the design, implementation, and operating effectiveness of product controls across payment, wallet, settlement, switches and other related products across the organisation

The role ensures that new and existing products are deployed with adequate financial, operational, security, and regulatory controls, safeguarding the organization against revenue leakage, settlement failures, regulatory breaches, and technology-driven risks.

The Product Auditor will independently evaluate product risk exposure and control maturity prior to scale.

Key Responsibilities 

Audit Universe & Risk-Based Planning

• Maintain a living Product Audit Universe covering all payment products, features, and integrations ranked by risk. 
• Own the annual Product Audit Plan, ensuring coverage is allocated dynamically based on risk ratings, product complexity, regulatory sensitivity, and change velocity.

Product Design & Control Assurance

• Review PRDs, business rules, and transaction workflows to identify logic gaps, unmitigated risk paths, and missing exception-handling routines before products reach production/go-live. 
• Analyse product path scenarios, verify Maker-Checker enforcement, and provide formal control design sign-off before any material release goes live.

Live Product Assessment ( Continuous Audit Review)

• Periodically assess live payment products to confirm they continue to operate within approved design parameters. 
• Detect configuration drift, identify silent divergence from original PRDs, and analyse live transaction data for emerging risk patterns.

Go-Live Readiness & Control Gate

• Execute mandatory pre-production Product Audit reviews as an independent control gate for all material releases. 
• Confirm reconciliation logic, exception queues, and fallback controls are tested and functional. 
• Escalate critical deficiencies with risk ratings and hold recommendations where a product is not safe to release.

Transaction Logic & Mathematical Integrity

• Interrogate the Fee Engine using SQL to mathematically prove that commissions, VAT, discounts, and splits are posted with complete precision. 
• Validate duplicate prevention mechanisms and ensure transaction integrity within complex, multi-step payment sequences, and test reversal, refund, and chargeback logic to confirm financial symmetry is maintained in every scenario.

Settlement & Ledger Integrity

• Trace fund flows, confirming continuous synchronisation between wallet sub-ledgers and the General Ledger. 
• Assess reconciliation logic for breaks and evaluate the authorisation, documentation, and reversibility of manual settlement overrides.

Product Change & Configuration Integrity

• Confirm that all product modifications: fee tables, routing rules, limit parameters passed through an approved change management cycle. 
• Identify silent changes made outside formal release processes and audit the integrity of product master data to ensure it is access-controlled, version-tracked, and consistent with approved product terms.

Vendor & Third-Party Product Risk

• Assess controls over vendor-managed product components, evaluate SLA performance against contractual commitments, and identify single-vendor dependency risks within critical payment flows. 
• Evaluate the organisation's ability to detect unilateral changes in third-party API behaviour, fee logic, or settlement processes.

Control Advisory & Stakeholder Engagement

• Engage product and engineering teams early in the design cycle to provide informal control advisory, reducing findings at the formal review stage without compromising independence. 
• Participate in design reviews and architecture discussions, and build a control-by-design culture across product teams. 

Incident Review, RCA & Regulatory Alignment

• Lead post-incident reviews for product failures,producing structured RCA reports that identify underlying logic failures, not just surface symptoms. 
• Assess corrective actions for adequacy and track findings to verify closure. 
• Ensure product logic complies with CBN guidelines, PCI DSS, and consumer protection obligations at the design level, and evaluate the regulatory impact of new features before release.

Reporting & Governance

• Prepare risk-rated audit reports for Executive Management and the Audit Committee, leading with findings, financial impact, and required action. 
• Maintain a Product Risk Register, deliver quarterly control maturity updates, and ensure governance bodies are never surprised by a product failure that was visible at the design or portfolio review stage.

Required Knowledge & Skills 

Technical Skills

• Advanced SQL for independent data extraction and transaction interrogation
• Payment systems architecture : Wallets, card processing, direct debit, settlement, and reconciliation
• API and integration literacy (Basic)
• End-to-end transaction lifecycle knowledge: Authorisation, posting, clearing, settlement, and exception handling
• PRD and process flow analysis: translating product documentation into control flowcharts
• Mathematical precision: fee calculations, interest computations, and split payment structures
• Pattern recognition: detecting anomalies, outliers, and irregularities in large transaction datasets

Audit & Risk Skills

• Risk-based audit methodology: IIA Standards and COSO framework applied to financial products.
• Control design logic and evaluation
• Root cause analysis
• Regulatory knowledge: CBN payment system regulations, PCI DSS, NDPR,Nigerian consumer protection obligations etc

Interpersonal & Professional Skills

• Stakeholder engagement
• Professional scepticism and independence
• Risk-rated report writing

Tools & Platforms

• SQL (PostgreSQL / MySQL / MSSQL)
• AdvancedExcel / Google Sheets
• Claude / AI Tools

Qualifications

• Education: Bachelor’s degree in Computer Science, Engineering, Mathematics, Finance, or a related quantitative discipline
• Experience: 3–5+ years in Product Audit, Systems Audit, Financial Data Analytics, or Payment Operations within a fintech or financial services environment
• Certifications: CISA, CIA, or CFE preferred. ACA / ACCA is acceptable when combined with strong technical product experience and data analytics.
• Sector Knowledge: Demonstrated hands-on familiarity with payment product architecture, wallet systems, and regulated payment flows in a Nigerian or comparable market context.

What We Offer You

• Culture: We put our people first and prioritize the well-being of every team member. We’re human, we listen, and we look out for one another.
• Learning: We’re big on growth. You’ll find an environment focused on knowledge sharing, training, and helping you reach your potential.
• Compensation: You’ll receive an attractive salary, pension, health insurance, and an annual bonus, along with other great benefits.

What to Expect in the Hiring Process

1. A preliminary phone call with our recruiter.
2. An interview with the hiring team.
3. A final conversation with a member of our executive team.

Moniepoint Inc. is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.
Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023, and currently processes the majority of the POS transactions in Nigeria.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

About the role

At Moniepoint, we blend entrepreneurial drive, deep customer obsession, and modern technology to power the financial ambitions of millions across Africa. A critical component of this mission is access to capital; our Business Loans team has already empowered hundreds of thousands of Nigerian businesses.

The Legal Counsel, Credit Administration plays a pivotal role in enabling this mission. Every loan issued is underpinned by a robust legal framework, requiring precise documentation, thorough review and validation of customer information, and rigorous legal due diligence. This role is central to ensuring that all credit transactions are properly structured, enforceable, and compliant with applicable laws and internal policies.

The Legal Counsel, Credit Administration is a highly meticulous and detail-driven professional who partners closely with the business to structure, review, and safeguard loan contracts. They bring strong commercial awareness, risk judgment, and a solution-oriented mindset—working not as a barrier to growth, but as a trusted advisor who enables the business to scale responsibly while protecting Moniepoint’s legal and financial interests.

What you’ll do

• Draft, review, negotiate, and continuously improve loan documentation, including loan agreements, security documents, guarantees, and other credit-related legal instruments.
• Conduct legal due diligence on borrowers, guarantors, and collateral, including verification and validation of corporate, property, and identity documents.
• Ensure that all loan documentation is properly executed, perfected, stamped, and registered in accordance with applicable laws and regulatory requirements.
• Provide legal advisory support to the business loans, credit, recovery, and risk teams on all credit-related transactions and issues.
• Identify, assess, and proactively manage legal and regulatory risks associated with lending activities.
• Support the management of post-disbursement documentation, including tracking of outstanding conditions precedent and conditions subsequent.
• Liaise with external solicitors, regulators, registries, and other relevant third parties on matters relating to credit documentation, perfection, and enforcement.
• Maintain accurate and well-organized legal records for all credit transactions on approved systems and repositories.
• Contribute to the development, review, and continuous improvement of credit policies, standard templates, and legal processes.
• Collaborate cross-functionally with product, operations, risk, and compliance teams to streamline and automate credit documentation workflows.
• Stay abreast of changes in relevant laws, regulations, and industry standards affecting lending and credit administration, and proactively advise the business.

What you need to succeed

• Bachelor’s degree in Law (LL.B)
• 4–7 years of post-call experience, with demonstrable experience in banking, fintech, financial services, or a reputable law firm with a strong finance and commercial practice.
• Proven hands-on experience drafting, reviewing, and managing loan agreements, security instruments, guarantees, and other credit-related documentation.
• Strong working knowledge of Nigerian banking, finance, and credit-related laws and regulations, including BOFIA, CAMA, AML/CFT regulations, and data protection laws.
• Practical experience with perfection of security interests, including CAC filings, landed property registries, stamp duties, and other relevant regulatory filings.
• Solid understanding of credit risk, recovery processes, and enforcement of security interests.
• High attention to detail with the ability to manage large volumes of documentation efficiently and accurately.
• Strong commercial awareness with the ability to balance legal risk with business objectives.
• Strong stakeholder management skills with the ability to work cross-functionally with credit, risk, operations, and compliance teams.
• Good organizational and time management skills, with the ability to prioritize effectively in a fast-paced, high-volume environment.
• High ethical standards, sound judgment, and a strong sense of confidentiality and professionalism.

What you’ll get

• Culture - We put our people first and prioritise the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.

What to expect in the hiring process

• Preliminary phone call with one of our recruiters.
• A panel technical interview with existing members of the Legal team.
• A behavioural, technical and cultural interview with a member of the Executive team.

Who We Are

Moniepoint is Africa’s all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion and are Nigeria’s largest merchant acquirer. We are on a mission to create financial happiness for everyone, everywhere.

What We Do

At Moniepoint, we are a customer-focused community dedicated to crafting solutions that redefine our industry. We leverage artificial intelligence and data-driven best practices to support our businesses, from providing credit and overdrafts to ensuring every transaction is secure.

Curious about what makes Moniepoint an incredible place to work? Check out our stories on how we cultivate a culture of innovation, teamwork, and growth.

Job Purpose

The Lead, Inbound Sales is responsible for driving consistent revenue performance across the inbound sales team by coaching, managing, and developing a team of Inbound Sales agents. You will serve as the operational backbone of the inbound function, ensuring process adherence, maintaining pipeline health, hitting team targets, and creating a culture of continuous improvement. This role bridges frontline execution and sales leadership, combining hands-on deal involvement with day-to-day team management.

Key Responsibilities

Team Leadership & Coaching

• Lead & Develop: Manage a team of Inbound Sales Representatives, providing daily guidance, motivation, and performance support.
• Coach: Conduct regular 1:1s, call reviews, and coaching sessions to develop reps' product knowledge, objection handling, and closing skills.
• Onboard: Onboard new team members, ensuring they are fully ramped within the first 90 days in line with defined success metrics.
• Performance Management: Identify skill gaps across the team and design targeted coaching plans or escalate training needs to the Sales Manager.

Sales Operations & Performance

• Drive Targets: Own team-level sales targets (weekly, monthly, quarterly) and ensure reps consistently meet or exceed individual quotas.
• Track Activity: Monitor daily activity metrics, calls made, demos conducted, leads qualified, deals closed, and intervene proactively when performance dips.
• Deal Support: Step in to support complex or high-value deals, co-selling where needed to rescue at-risk opportunities.
• Pipeline Management: Maintain and enforce accurate CRM hygiene across the team, reviewing pipeline data and deal stages regularly.

Process & Quality Assurance

• Process Adherence: Ensure all inbound inquiries are responded to on schedule and in line with the defined business process.
• Quality Control: Review and score sales calls and demos for quality; share feedback in structured call review sessions.
• Continuous Improvement: Identify and flag recurring bottlenecks in the lead-to-conversion journey and work with cross-functional teams to resolve them.
• Handoff Management: Own the smooth handoff process between Sales and Onboarding, ensuring customers transition seamlessly post-purchase.

Cross-Functional Collaboration

• Marketing Feedback: Provide structured feedback on lead quality from various channels to the Marketing, Business, and Growth teams.
• Product Alignment: Collaborate with Product and Customer Success to stay current on platform updates, ensuring the team delivers accurate and compelling demos.
• Leadership Reporting: Represent the inbound team in sales leadership meetings, reporting on performance, blockers, and team insights.

Reporting & Analysis

• Reporting: Prepare weekly and monthly team performance reports for the Growth Manager, including quota attainment, conversion rates, and activity data.
• Analysis: Analyse team performance trends and recommend data-driven improvements to the inbound sales process.

Qualifications & Experience

• 4 - 8 years of experience in inbound or SaaS sales, with at least 4 years in a team lead, senior, or supervisory capacity
• Demonstrated track record of consistently meeting or exceeding individual sales quotas
• Experience coaching or mentoring junior sales reps, either formally or informally
• Proficiency with CRM tools (e.g., HubSpot, Salesforce, Zoho) and sales engagement platforms
• Excellent verbal and written communication skills,  able to run effective meetings, deliver feedback, and present to leadership
• Strong analytical skills, comfortable reading pipeline data, identifying trends, and making decisions from metrics
• Bachelor's degree or equivalent work experience preferred

About You

• You're a natural motivator who leads by example. Your team performs well because they trust and respect you
• You balance accountability with empathy; you hold people to high standards while genuinely investing in their growth
• You're comfortable in ambiguity and can make sound decisions quickly, especially when the team needs direction
• You're data-driven but people-first, you use numbers to guide decisions, not to manage by fear
• You thrive in fast-paced environments and can manage competing priorities without losing focus
• You take ownership. If the team misses a target, you look inward before looking outward

What Success Looks Like (First 90 Days)

• Weeks 1–2: Complete full product and process onboarding. Shadow all reps on calls and demos. Establish 1:1 cadences with each team member.
• Weeks 3–4: Run first structured call review sessions. Identify top performers and reps needing coaching. Audit CRM for pipeline accuracy.
• Month 2: Implement at least one process improvement based on early observations. Begin tracking team KPIs on a weekly basis.
• Month 3: Team achieves 85–100% of the monthly quota. All reps have active coaching plans. First performance report delivered to Sales Manager.

What we can offer you

Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.

Learning: We have a learning-and-development-focused environment, with an emphasis on knowledge sharing, training, and regular internal technical talks.

Compensation: You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter.
• An interview with the operations lead.
• A behavioural and technical interview with the business lead.

Moniepoint is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint Inc. is Africa’s all-in-one financial ecosystem, helping 10 million businesses and individuals access seamless payments, banking, credit, and business management tools since 2019.

As Nigeria’s largest merchant acquirer, it powers most of the country’s Point of Sale (POS) transactions. Through its subsidiaries, Moniepoint Inc. processes $22 billion monthly for its customers while operating profitably.

About the role : 

At Moniepoint, data is at the core of everything we do. We are a customer-centric company, and your work will enable our teams to make informed, data-driven decisions that directly impact the success of our business. As a Data Engineering Lead, you will help craft robust, scalable systems that support our business intelligence and data-driven operations. We value leaders who are not only technically adept but also excited about mentoring others and pushing the boundaries of what’s possible with data.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

What you will get to do

• Build and maintain robust data pipelines processing large volumes of data
• Analysis of large data sets using tools such as Python & SQL
• Update and optimize our data platform for speed, scalability and cost
• Coordinate with different functional teams to understand and meet their data needs
• Develop processes and tools to monitor and analyze model performance and data accuracy
• Solve general data-related problems
• Setting up new pipelines for the full stream/enrichment/curation process
• Upkeep of source code locations
• Investigating and utilising ML & AI to improve the cloud offering
• Development of junior staff members 

To succeed in this role, you should have

• Proven experience as a Data Engineer (5+ years, can be made up for with accomplishments)
• Strong problem solving skills
• Advanced proficiency with SQL
• Proficiency with Python
• Experience with cloud platforms (e.g. Google Cloud, AWS, Azure)
• Experience using version control tools such as git
• Excellent written and verbal communication skills
• A drive to learn and master new technologies and techniques
• A bachelor’s degree in Computer Science, Statistics, Mathematics, Engineering, or any other related field

Experience with the following would be a plus

• Data governance
• Building and deploying machine learning models
• Terraform or other infrastructure as code tools

What we can offer you

• Culture - We put our people first and prioritize the well-being of every team member. We have built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A take-home assessment 
• A technical interview with a Lead in our Engineering Team
• A behavioural and technical interview with a member of the Executive team. 

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who We Are

Moniepoint is Africa's all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion and are Nigeria’s largest merchant acquirer.

What We Do

At Moniepoint, we are a customer-focused community, dedicated to crafting solutions that redefine our industry. We have several products that provide essential services for businesses, such as credit, overdrafts, etc. We leverage artificial intelligence and data to make our decisions but also have the technology and data-driven best practices used to support our businesses.

Curious about what makes Moniepoint an incredible place to work?  Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

About the Role

The Head of POS Hardware & Repair is a strategic technical leadership role focused on ensuring the quality, reliability, and serviceability of all Point of Sale (POS) hardware devices used by the company. This individual acts as the primary technical liaison with POS manufacturers, driving design and component selection to meet rigorous company standards and optimize for easy, cost-effective repair in the Nigerian market. This role directly manages and oversees all POS device repair operations.

Key Responsibilities

1. POS Hardware Quality Assurance & Design Strategy

• Manufacturer Liaison: Serve as the main technical point of contact with all POS hardware manufacturers.
• Design Adherence & Vetting: Rigorously review and audit manufacturer design specifications and component lists to ensure strict adherence to the company's recommended designs, quality standards, and use of robust, reliable components.
• Design for Serviceability (DFS): Proactively recommend specific design updates, modifications, and material changes to manufacturers that simplify repair processes, reduce component costs, and improve the Mean Time to Repair (MTTR).
• Component Reliability: Evaluate and approve critical hardware components (e.g., batteries, screens, printers) based on reliability data, failure rates, and long-term supply stability.
• Failure Analysis: Partner with Engineering/Data teams to conduct root cause analysis (RCA) on recurring hardware failures and translate these findings into concrete, mandatory design improvements for manufacturers.

2. Local Market Adaptation & Relevance (Nigeria Focus)

• Market Insight: Maintain deep, continuous awareness of the operational reality, environmental conditions, and logistical challenges specific to the Nigerian market.
• Design Recommendation: Translate local environmental and usage data (e.g., power fluctuations, dust, handling) into practical design requirements (e.g., ruggedization, better component protection) for manufacturers.
• Spare Part Management: Define and validate the list of required spare parts that must be provided by the manufacturer, ensuring they are the most critical and highest-failure-rate components suitable for the local repair environment.

3. POS Repair Operations Oversight

• Repair Strategy: Define the strategy and operational model for all POS device repair operations, including internal repair centers and outsourced service providers.
• Performance Management: Manage and monitor the performance of the repair function against key metrics, focusing intensely on reducing Mean Time to Repair (MTTR) and improving the First-Time Fix Rate.
• Process Standardization: Develop and enforce standardized repair procedures, diagnostics, and quality control (QC) protocols to ensure consistent, high-quality repair outputs across all channels.
• Tooling & Training: Approve and oversee the technical training and certification of all repair technicians and ensure they have the necessary diagnostic equipment and tools.
• Repair Data Reporting: Establish a robust reporting structure for tracking component failure rates, repair costs, and inventory of parts used in repair to inform future design changes.

Qualifications and Experience

• Education: Bachelor’s degree in Electrical Engineering, Electronics Engineering, Mechatronics, or a closely related technical field.
• Experience: Minimum of 8+ years of experience in hardware engineering, quality control, technical operations, or product service management, with at least 3 years in a leadership role.
• Technical Expertise: Deep, hands-on knowledge of embedded systems, circuit board components, electronic repair methodologies, and diagnostic tools, particularly within the POS, terminal, or embedded payment device space.
• Manufacturer Management: Proven track record of successfully managing technical relationships with international hardware manufacturers, including design review and quality auditing processes.
• Operational Acumen: Experience managing complex repair/service operations, with a strong focus on KPIs like MTTR, Cost-of-Repair, and Failure Rate analysis.
• Market Knowledge (Highly Preferred): Direct experience with hardware deployment and service operations in the Nigerian or similar emerging markets, understanding the unique environmental and logistical constraints.
• Soft Skills: Exceptional negotiation, technical communication, and analytical skills.

What we can offer you

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation: You’ll receive an attractive salary, pension, health insurance, an annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter
• An interview with the hiring team.
• An interview with a member of our executive team. 

Moniepoint Inc. is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who We Are

Moniepoint is Africa’s all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion and are Nigeria’s largest merchant acquirer. We are on a mission to create financial happiness for everyone, everywhere.

What We Do

At Moniepoint, we are a customer-focused community dedicated to crafting solutions that redefine our industry. We leverage artificial intelligence and data-driven best practices to support our businesses, from providing credit and overdrafts to ensuring every transaction is secure.

Curious about what makes Moniepoint an incredible place to work? Check out our stories on how we cultivate a culture of innovation, teamwork, and growth.

Job Summary

The Lead, Corporate Credit Risk Management is responsible for developing, implementing, and managing our credit risk framework to ensure sustainable portfolio growth, asset quality preservation, and regulatory compliance. The role oversees end-to-end credit risk management across retail, SME, and digital lending products and acts in the capacity of Head of Credit Risk, providing strategic direction, oversight, and independent challenge to business units.

Key Responsibilities

Credit Risk Strategy & Governance

• Develop and implement the Bank’s Credit Risk Strategy in line with Moniepoint’s risk appetite, business objectives, and CBN Prudential Guidelines.
• Provide leadership oversight of credit risk management 
• Ensure credit risk considerations are embedded in product design, pricing, underwriting, and portfolio growth strategies.
• Serve as a key advisor to Executive Management and the Board on credit risk exposures, trends, and emerging risks.
• Support the Board Finance, Audit and Risk Committee (FARCo) with regular credit risk reports and insights.
• Stay abreast of fintech and digital lending trends impacting credit risk management.

Credit Policy & Underwriting Framework

• Develop, review, and maintain the Bank’s Credit Risk Policies, underwriting standards, and approval authorities.
• Ensure all lending activities comply with approved credit policies, regulatory requirements, and internal risk standards.
• Oversee credit scoring models, decision engines, and manual underwriting processes for digital and non-digital loans.
• Ensure appropriate segregation of duties between origination, approval, and disbursement processes.
• Periodically review lending limits, sectoral exposures, and concentration risks, to ensure compliance with credit policies and risk appetite\
• Oversee the use of data, analytics, and alternative data sources to enhance credit decisioning.
• Ensure credit risk controls are embedded within digital platforms, APIs, and automated workflows.
• Review and validate changes to credit models, decision rules, and lending systems

Portfolio Monitoring & Asset Quality Management

• Monitor credit portfolio performance across products, channels, and customer segments.
• Track key portfolio metrics including delinquency ratios, non-performing loans (NPLs), roll rates, vintage analysis, and write-offs.
• Identify early warning signals and emerging credit risks, recommending timely corrective actions.
• Oversee remedial management strategies, restructuring, recoveries, and collections escalation frameworks.
• Ensure adequacy of loan loss provisioning in line with regulatory and accounting standards.

Credit Risk Analytics & Reporting

• Develop robust credit risk dashboards and management information systems (MIS).
• Provide accurate and timely credit risk reports to:
  • Chief Risk Officer
  • Executive Management
  • Board Finance, Audit and Risk Committee (FARCo)
• Perform stress testing and scenario analysis on the loan portfolio.
• Support regulatory reporting and supervisory examinations relating to credit risk.

Regulatory Compliance & Stakeholder Engagement

• Ensure full compliance with:
  • CBN Prudential Guidelines for MFBs
  • IFRS 9 (where applicable)
  • Consumer protection and fair lending requirements
• Act as a key liaison with Internal Audit, External Auditors, Regulators, and Credit Bureaus on credit risk matters.
• Support regulatory examinations, audits, and implementation of audit recommendations.

Team Leadership & Cross-Functional Collaboration

• Lead and develop the Credit Risk team, ensuring clear roles, accountability, and performance management.
• Partner closely with Product, Operations, Collections, Finance, IT, and Business teams to ensure balanced risk-return outcomes.
• Provide guidance and training on credit risk principles, policy compliance, and risk ownership across the organization.
• Foster a strong credit risk culture focused on discipline, data-driven decisions, and sustainability.

Required Qualifications & Experience

Education

• Bachelor’s degree in Finance, Accounting, Economics, Mathematics, Statistics, or related field
• Master’s degree (MBA, MSc) is an advantage

Professional Certifications (Preferred)

• ACA, ACCA, FRM, PRM, or equivalent

Experience

• Minimum of 8–10 years experience in credit risk, lending, or risk management within banking, fintech, or financial services
• Proven experience managing credit risk portfolios, preferably in digital or SME lending
• Prior experience in a leadership or senior risk role is required

Core Competencies & Skills

• Strong understanding of credit risk frameworks and CBN regulations
• Advanced analytical and data interpretation skills
• Sound judgment and decision-making ability
• Strong stakeholder engagement and communication skills
• High ethical standards and independence
• Ability to operate in a fast-paced, technology-driven environment

What We Can Offer You

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all voices are heard, and we look out for one another. Above all, we are human.
• Learning: We have a learning- and development-focused environment with an emphasis on knowledge sharing and training.
• Compensation: You’ll receive an attractive salary, pension, health insurance, and an annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter.
• An interview with the hiring team.
• An interview with a member of our executive team.

Moniepoint Inc. is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.
Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit, and business management tools to help them succeed. Moniepoint processed $182 billion in 2023 and currently processes most of the POS transactions in Nigeria.

About the role

This is a high-impact leadership role responsible for owning and driving the strategy, execution, and culture of Quality Assurance across our Engineering teams. You will lead a team of smart, detail-oriented QA Analysts and Engineers, ensuring the products we build meet the highest standards of quality and reliability. You’ll be working directly with developers, product managers, and engineering leadership to make sure everything we ship to our users is production-ready and delivers happiness.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

What you’ll get to do

• Lead the QA function across multiple engineering teams – drive quality standards, strategies, and frameworks that scale.
• Mentor and manage QA Analysts and Engineers – help them grow into the best versions of themselves through coaching, feedback, and career development.
• Design and enforce test strategies, including manual and automated testing, regression, performance, and exploratory testing.
• Build out meaningful dashboards and metrics to measure QA performance: test cases written and executed, bug leakage, regression rates, and more.
• Collaborate closely with engineers to serve as a gatekeeper of quality, reviewing product requirements, technical documentation, and code when necessary.
• Drive continuous improvement in QA processes, tools, and team dynamics.
• Ensure deep product understanding within the QA team so test cases are not only thorough but also relevant and user-centric.
• Promote a strong quality culture by working hand-in-hand with engineering, product, and business stakeholders
• Turn data into insight by effectively transforming test metrics into dashboards and reports that guide team performance and product health.

To succeed in this role, you should have

• Experience leading and scaling a QA team in a fast-paced, tech-driven environment.
• A background (previous experience) as a QA Analyst or Engineer, you understand the job from the inside out.
• Experience designing and evaluating test strategies and measuring test effectiveness.
• Strong technical depth, you understand how software works and are familiar with the fundamentals (APIs, microservices, infrastructure).
• Solid analytical skills, you can connect the dots, interpret patterns in data, and ask the right questions to drive clarity and solutions.
• A mentorship-first mindset, you’ve built and led strong, collaborative teams and care deeply about your team’s growth.
• Hands-on experience with creating QA frameworks, building test dashboards, and defining success metrics.
• High integrity and emotional intelligence, you’re candid, constructive, and deeply aligned with team and company culture.
• Strong performance management experience, you can assess, evaluate, and coach team members using clear KPIs and deliverables.
• Proactivity, you don’t wait to be told what to do; you’re constantly thinking about what’s next and how we can improve.

Key requirements

• 10+ years of experience in Quality Engineering, including 4–5 years leading engineering teams, with a strong track record of building, mentoring, and scaling high-performing teams.
• Strong programming skills in Java with a focus on tooling and automation
• Strong experience in testing APIs, microservices, mobile native, and web applications.
• Proficiency in working with Linux/Unix environments and cloud infrastructure (GCP, Docker).
• Strong knowledge of SQL, NoSQL databases, and pub-sub technologies.
• Experience in non-functional testing, including performance, security, and monitoring/alerting.
• Knowledge of CI/CD pipelines (Jenkins / GitHub Actions / Harness).
• Familiarity with AI/ML-based test generation or test impact analysis.
• Strong experience in Agile/Scrum methodologies and leading small-to-medium teams.
• Strong technical experience, including hands-on coding and a solid understanding of software development.
• Proven ability to foster collaboration, trust, and transparency across diverse teams.
• Experience owning and overseeing system architecture for large-scale, secure, and scalable platforms.
• Ability to mentor, recruit, and grow engineering talent in an environment that prioritizes continuous learning.

What we can offer you

• Culture - We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance, paid leave, plus other benefits.

What to expect in the hiring process

• Stage 1: A preliminary phone call with one of our recruiters.
• Stage 2: Technical and product interview
• Stage 3: Leadership and execution interview
• Stage 4: Culture interview

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

#LI-Remote

Who We Are

Moniepoint is Africa’s all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion and are Nigeria’s largest merchant acquirer. We are on a mission to create financial happiness for everyone, everywhere.

What We Do

At Moniepoint, we are a customer-focused community dedicated to crafting solutions that redefine our industry. We leverage artificial intelligence and data-driven best practices to support our businesses, from providing credit and overdrafts to ensuring every transaction is secure.

Curious about what makes Moniepoint an incredible place to work? Check out our stories on how we cultivate a culture of innovation, teamwork, and growth.

Location: Hybrid (with scheduled HQ report)

Role Overview

The Team Lead – Field Risk & Internal Control provides strategic and operational leadership over field-based risk monitoring activities related to the marketing network in the field. The role is responsible for supervising investigations into misconduct and double-dealing, ensuring consistent application of internal control standards, and translating field-level intelligence into actionable risk insights for management.

This role serves as the control owner for field marketing team oversight, ensuring investigations are risk-based, evidence-driven, and aligned with internal governance frameworks.

Key Responsibilities

Team Leadership & Oversight

• Provide day-to-day supervision, guidance, and performance management for Field Risk & Internal Control Associates. 
• Review investigation plans, fieldwork scope, and evidence quality to ensure consistency and objectivity. 
• Approve investigation conclusions and ensure appropriate escalation of high-risk cases. 
• Build team capability through coaching, on-the-job training, and structured feedback.

Investigation Governance & Quality Assurance

• Oversee investigations into BRM misconduct, including double-dealing, unethical field behavior, unauthorized agent onboarding, or policy breaches.
• Oversee BRM-related whistleblowing cases, ensuring confidentiality, non-retaliation, and alignment with whistleblowing policy.
• Ensure investigations follow approved protocols, documentation standards, and confidentiality requirements.
• Validate evidence, interview summaries, and findings before submission to senior management or disciplinary panels.
• Ensure proper evidence preservation, documentation standards, and chain-of-custody practices to support disciplinary or legal actions
• Act as the second-level reviewer for sensitive or complex cases.
• Attend to disciplinary cases involving field staff

Risk Analytics & Thematic Review

• Review BRM field data, dashboards, and investigation outcomes to identify recurring themes, emerging risks, and systemic control gaps.
• Coordinate periodic thematic reviews (e.g., double-dealing trends, onboarding abuse, agent complaints).
• Translate field findings into control improvement recommendations and risk mitigation plans.
• Support development and maintenance of BRM risk indicators and field risk dashboards.

Internal Control & Process Improvement

• Assess the effectiveness of internal controls governing BRM activities and agent lifecycle management.
• Partner with Operations, Sales, Compliance, and HR to strengthen preventive and detective controls.
• Track remediation actions and ensure timely closure of identified control weaknesses.
• Contribute to updates of SOPs, investigation manuals, and field control frameworks.

Reporting & Senior Stakeholder Engagement

• Prepare consolidated reports on field investigations, misconduct trends, and risk exposure for senior management and committees.
• Provide risk-based input into disciplinary decisions, policy reviews, and performance management processes.
• Act as the primary escalation point for significant field risk incidents involving BRMs.
• Support Internal Audit and external reviewers during field-related audits or regulatory reviews.

Candidate Profile

Experience and Qualifications

• Bachelor’s degree in Risk Management, Accounting, Law, Business Administration, or a related field. 
• Experience managing whistleblowing or misconduct investigation frameworks. 
• Familiarity with risk and control frameworks (COSO, Three Lines Model, Operational Risk). 
• Experience supporting disciplinary committees or senior risk forums. 
• Minimum of 6–8 years’ experience in internal control, operational risk, investigations, internal audit, or compliance within financial services or fintech. 
• At least 2 years in a supervisory or team-lead role.

Skills and Attributes

• Strong judgment and decision-making capability in sensitive investigation matters.
• Advanced analytical skills with the ability to interpret field data and risk trends.
• High ethical standards, discretion, and independence.
• Excellent report writing, stakeholder communication, and escalation management skills.
• Practical understanding of agent banking, POS distribution, or field sales structures.

What we can offer you

Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.

Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.

Compensation: You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter.
• An interview with the operations lead.
• A behavioural and technical interview with the business lead.

Moniepoint is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who We Are

Moniepoint is Africa’s all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion and are Nigeria’s largest merchant acquirer. We are on a mission to create financial happiness for everyone, everywhere.

What We Do

At Moniepoint, we are a customer-focused community dedicated to crafting solutions that redefine our industry. We leverage artificial intelligence and data-driven best practices to support our businesses, from providing credit and overdrafts to ensuring every transaction is secure.

Curious about what makes Moniepoint an incredible place to work? Check out our stories on how we cultivate a culture of innovation, teamwork, and growth.

Job Purpose

The Tax Officer is a key guardian of Moniepoint’s financial integrity. Your mission is to ensure that as we scale and innovate, our tax obligations are met with absolute precision and transparency.

In this role, you aren't just filing returns; you are helping build the stable foundation that allows our products to provide financial happiness to millions. You bridge the gap between complex tax legislation and our day-to-day operations, ensuring we remain a reliable and compliant partner in every market we operate.

Key Responsibilities

Tax Compliance & Remittance

• Precise Computations: Prepare and review monthly, quarterly, and annual computations for VAT, WHT, CIT, and other statutory levies with a "right-first-time" mindset.
• Timely Execution: Own the end-to-end filing and remittance process for all federal and state tax obligations, ensuring we never miss a deadline.
• Ledger Integrity: Conduct regular reconciliations of tax ledgers and maintain meticulous documentation that serves as our "source of truth."

Audit Support & Regulatory Liaison

• Always Audit-Ready: Support tax audits and investigations by preparing clear evidence and walkthroughs for tax authorities.
• Relationship Management: Assist in managing correspondence with regulatory bodies, representing Moniepoint’s commitment to transparency and mastery.
• Proactive Monitoring: Stay ahead of the curve by tracking changes in tax laws and assessing how they impact our business model.

Internal Advisory & Process Improvement

• Stakeholder Partnership: Provide clear, jargon-free tax support to teams across Finance, Legal, HR, and Operations.
• Strategic Growth: Support the Head of Tax in providing tax-efficient guidance for new business transactions, M&A activities, and expansion plans.
• Building Better Systems: Help implement and automate tax controls and dashboards to reduce manual effort and human error.

Qualifications

• Minimum of 3 years of relevant experience in tax compliance or advisory (Fintech or Banking experience is a plus).
• Deep understanding of Nigerian tax laws and the practicalities of filing across multiple states.
• Proficiency in data analysis using Excel or Google Sheets—you should be comfortable turning raw data into clear tax schedules.
• Professional qualification (ICAN/ACCA) completed or in the final stages.

About You

• The Detail Detective: You have a high attention to detail. You notice the small discrepancy in a ledger before it becomes a big problem.
• The Translator: You can explain a "Development Levy" or "Deferred Tax" to a non-finance person in a way that makes sense.
• Reliable & Disciplined: You thrive on structure and deadlines. People know they can depend on you to get the filing done right and on time.
• Growth Mindset: You are eager to learn how tax intersects with innovative fintech products and complex corporate structures.

What Success Looks Like

• Zero Penalties: 100% of tax filings and remittances are completed accurately and on time, resulting in zero avoidable fines or interest.
• Seamless Audits: Internal and external tax audits are concluded with minimal findings due to your proactive documentation.
• Real-time Visibility: Our tax compliance tracker and dashboards are always updated, providing leadership with a clear view of our tax position.
• Internal Trust: Stakeholders across the company view the Tax team as a helpful partner that enables business rather than a bottleneck.

What we can offer you

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all voices are heard, and we look out for one another. Above all, we are human.
• Learning: We have a learning- and development-focused environment with an emphasis on knowledge sharing and training.
• Compensation: You’ll receive an attractive salary, pension, health insurance, and an annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter.
• An interview with the hiring team.
• An interview with a member of our executive team.

Moniepoint Inc. is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.
Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit, and business management tools to help them succeed. Moniepoint processed $182 billion in 2023 and currently processes most of the POS transactions in Nigeria.

About the role

Engineering at Moniepoint is an inspired, customer-focused community, dedicated to crafting solutions that redefine our industry. Our infrastructure runs on some of the cool tools that excite infrastructure engineers.  We also make business decisions based on the large stream of data we receive daily, so we work daily with big data, perform data analytics and build models to make sense of the noise and give our customers the best experience. 

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

Location: Remote

Full time

Job Summary

The Senior Front-end Engineer is required to produce and implement functional software solutions for web clients. You will be using the react js application framework. 

Experience with these frameworks is an added advantage but you can apply if you have experience with similar J.S frameworks. You will work with the Enterprise Architect to define software requirements and take the lead on operational and technical projects. 

In this role, you should be able to work independently with little supervision. You should have excellent organization and problem-solving skills. You are also required to have hands-on experience in software development and agile methodologies. Your primary goal will be to develop high-quality software that is aligned with user needs and business goals.

What you’ll get to do

• Develop high-quality software design and architecture
• Identify, prioritize, and execute tasks in the software development life cycle
• Develop tools and applications by producing clean, efficient code
• Automate tasks through appropriate tools and scripting
• Review and debug code
• Perform validation and verification testing
• Collaborate with internal teams and vendors to fix and improve products
• Document development phases and monitor systems
• Ensure software is up-to-date with the latest technology

To succeed in this role, you should have

• At least 5 years of proven experience as a Software Engineer
• 5 years of experience with Javascript and React 
• Experience in software development, scripting, and project management
• Experience using system monitoring tools (e.g. New Relic) and automated testing frameworks
• Familiarity with various operating systems (Linux, Mac OS, Windows)
• Analytical mind with a problem-solving aptitude
• Ability to work independently
• Excellent organizational and leadership skills
• Minimum of a BS in computer science or related skills

What we can offer you

• Culture -We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter
• Technical Assessment 
• A technical interview with a Lead in our Engineering Team
• A behavioural and technical interview with a member of the Executive team. 

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

About Moniepoint

Everyone has a dream, and achieving that is key to their happiness. Moniepoint Inc is on a mission to provide financial happiness for people of the world by powering the dreams of businesses, their employees and customers. Since 2015, we have grown to 1500 employees and process over $100 billion annually for 1.8 million merchants through our all-in-one digital financial services platform. Moniepoint Inc through its subsidiaries which include Moniepoint MFB and TeamApt ltd offers payments, banking, credit and business management tools. We currently process the majority of the POS transactions in Nigeria and are Africa’s second-fastest-growing fintech.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

About the role

At Moniepoint, data is the lifeblood of our financial operating system. The Head of Data Governance is a senior leadership role responsible for ensuring that this lifeblood is high-quality, secure, and accessible. You will architect and champion the enterprise-wide data governance framework, transforming how 13 million+ people’s data is managed and protected.
Reporting to the Head of Enterprise Data, you aren't just a policy writer; you are a cultural catalyst. You will lead a "virtual team" of Data Stewards across the company, ensuring that while they sit within diverse units like Finance or Sales, they operate with a unified, gold-standard approach to data accountability.

About You

The Architect: You don't just see data; you see the structures that make it reliable. You enjoy building blueprints that balance strict compliance with the speed required by a fast-growing fintech.
The Influencer: You excel in a "Hub and Spoke" model. You can lead and inspire teams that don’t report to you directly, turning departmental data stewards into a cohesive community.
The Tech-Fluent Leader: You speak "Engineering" as well as you speak "Business." You understand how to automate governance so it becomes a feature of the workflow, not a bottleneck.
Ethical Guardian: You are passionate about data privacy (GDPR/NDPR) and believe that responsible data management is a competitive advantage, not just a regulatory chore.

What you will get to do:

1. Strategic Leadership & Framework Design

• Governance Roadmap: Develop and execute a long-term strategy that aligns with Moniepoint’s mission to build the financial OS for emerging markets.
• Policy & Standards: Author and maintain global policies (Privacy, Retention, Naming Conventions) that are clear, actionable, and "Regular Guy" friendly.
• Operating Model: Define our domain-driven structure and clarify data ownership across the company to eliminate ambiguity.

2. Functional Leadership of the Stewardship Team

• Orchestration: Direct the strategic priorities of Business Unit Data Stewards, ensuring they have the tools and training to succeed.
• Community Building: Create a "Data Governance Academy" to onboard, certify, and mentor stewards across the organization.
• KPI Alignment: Set the functional goals that define what "good" looks like for data quality within each business unit.

3. Tech Stack & Automation Ownership

• Platform Strategy: Select and manage our governance platforms (e.g., Atlan, Collibra, or Microsoft Purview), ensuring they integrate seamlessly with our data lake.
• Metamodel Design: Configure tools to link business terms to physical technical assets, creating a transparent data lineage.
• Governance-as-Code: Partner with Data Engineering to automate quality checks and PII masking within the CI/CD pipeline.

4. Risk, Compliance & Culture

• Enterprise DQ Reporting: Build "Data Health Dashboards" for the Executive team to provide visibility into our data reliability.
• Change Management: Lead the cultural shift from "data is IT’s problem" to "data is a strategic business asset."
• Literacy Programs: Develop workshops to empower non-technical staff to read, interpret, and respect data.

Qualifications:

• Experience: 9+ years of leadership experience in Data Governance, Data Engineering, or Data Strategy within a high-growth environment.
• Technical Proficiency: Advanced SQL and Python skills are essential. You should be comfortable auditing a data platform directly and working with APIs for automation.
• Framework Expertise: Deep knowledge of modern data architectures (Data Mesh, Data Vault 2.0) and how to apply governance within them.
• Regulatory Knowledge: Intimate familiarity with NDPR, GDPR, and fintech-specific data regulations.
• Education: A Bachelor degree in Computer Science, Engineering, Mathematics, or a related quantitative field (or equivalent practical experience).

What Success Looks Like

• Initial 6 Months: A defined Data Governance roadmap is approved, and the first "Data Health Dashboard" is live for critical data elements.
• The 1-Year Mark: Every major business unit has a certified Data Steward, and automated lineage is active for our core financial products.
• Culture: Data Governance is no longer viewed as a "blocker" but as the foundation that allows our product teams to build faster and safer.
  

What we can offer you

• Culture - We put our people first and prioritise the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A technical panel interview with Department Leads
• Technical take-home assessment
• A behavioral and technical interview with a member of the Executive team
• All interviews stages are Virtual

Who we are

Moniepoint is Africa's all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion and are Nigeria’s largest merchant acquirer.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

About the role

The Head of Recovery is a strategic leadership role responsible for architecting and executing Moniepoint’s debt recovery framework. As a qualified legal professional, you will ensure minimal credit losses by optimizing the recovery unit’s efficiency through a blend of rigorous legal strategy and operational excellence.

In this capacity, you will develop and implement comprehensive recovery strategies, design the organizational structure of the recovery unit, and recruit high-caliber talent. Your deep legal expertise in debt litigation and asset recovery will be vital in navigating complex delinquency cases. You will leverage a data-driven approach to evaluate the efficacy of recovery tactics and personnel performance.

What you’ll get to do

• Develop and execute recovery strategies to reduce non-performing loans and bad debt provisions.
• Act as the primary legal strategist for the recovery department, ensuring all actions comply with financial regulations and debt collection laws.
• Manage high-level engagements with external stakeholders, including law enforcement agencies, regulatory bodies, and external counsel, to expedite the resolution of non-performing loans (NPLs).
• Design the recovery organisation and supervise the hiring process for recovery talent
• Optimise the effectiveness of the recovery team by setting clear objectives and key performance indicators (KPIs).
• Continuously provide training to the recovery network in alignment with established recovery strategies and industry best practices.
• Report on recovery performance and provide insights to senior management.
• Collaborate with internal departments such as credit, legal, risk, and finance to align recovery efforts.

Qualifications

• Bachelor’s degree in Law (LLB)
• Minimum 7 years of experience in debt recovery/litigation in Nigeria
• Strong knowledge of debt recovery laws, banking regulations, and court procedures in Nigeria.
• At least 7 years of experience in credit recovery
• Strong network of legal and law enforcement contacts across the country
• Proven experience in leading a recovery team and managing high-value non-performing loans
• Proven experience in handling recovery in each of the 6 geo-political zones in Nigeria
• Excellent negotiation, problem-solving, and decision-making skills.
• Strong analytical skills and ability to interpret financial data

Relevant Skills

• Loan Recovery
• Credit risk management
• Data analytics and statistics 
• Negotiation and Conflict Resolution
• People Management
• Performance Management
• Training and People Development

What we can offer you

• Culture -We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter
• An interview with one of our credit business leads
• A behavioral and technical interview with a member of the Executive team. 

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.
Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023, and currently processes the majority of the POS transactions in Nigeria. 

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

Job Summary
We are seeking an SRE Team Lead to guide a squad of site reliability engineers responsible for the reliability of our highly distributed financial platform.You will be designing high-level reliability architecture, while also mentoring engineers, defining the technical roadmap, and driving the culture of Site Reliability Engineering within a team. You will balance strategic leadership with deep technical work to ensure our systems and our people can scale linearly with our hyper-growth.

Responsibilities

• Set the technical direction for the SRE team. Architect self-healing systems, define reliability standards (Production Readiness Reviews), and drive the adoption of observability as Code and automation best practices.
  
  
• Define and enforce the end-to-end standard for system visibility. You will guide teams to deeply instrument their code (logging, tracing, metrics) and govern the monitoring ecosystem to ensure alerts are actionable, strictly minimizing noise (alert fatigue) while maximizing our ability to detect and resolve issues proactively.
  
  
• Lead, mentor, and grow a team of Senior and Associate SREs. Conduct code reviews, facilitate technical workshops and foster a culture of engineering excellence.
  
  
• Act as the ultimate escalation point for major incidents. Beyond firefighting, you will refine the Incident management process, ensuring the process is efficient and that RCAs lead to actionable engineering fixes.
  
  
•  Partner with Engineering Managers and Product Leads to define Service Level Objectives (SLOs) that align with business goals. 

Requirements

• Minimum of 5 years of experience in SRE or Backend Engineering, with at least 2 years in a Lead or Senior/Staff role mentoring others.
  
  
• Expert-level proficiency in Java, Go, Rust, or Python. You set the standard for code quality within the team.
  
  
• Mastery of distributed systems patterns. You can design scalable architectures, debug complex microservices interactions, and explain architectural trade-offs to stakeholders.
  
  
• Deep expertise with Google Cloud Platform (GCP) or AWS.  You have extensive experience running Kubernetes (GKE) at scale and troubleshooting deep infrastructure issues.
  
  
• Proven experience defining observability strategies for large teams. You have deep expertise in architecting the complete telemetry stack: from custom instrumentation to monitoring and actionable alerting.
  
  
• Strong communication skills with the ability to de-escalate high-pressure war rooms with calm authority.

What we can offer you

• Culture - We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A technical interview with the Hiring Manager
• A behavioural and technical interview with a member of the Executive team. 

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.
Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $1

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

About the role:

As a Senior User Experience Designer, you will be responsible for executing high-quality designs for our financial products, ensuring they are intuitive, accessible, and effective. You will collaborate with cross-functional teams, mentor junior designers, and champion user-centred design within the organisation. This role requires a strategic mindset, deep UX/UI expertise, and the ability to translate complex financial concepts into seamless user experiences.

What you’ll do

• Define and execute design strategies that align with business objectives and user needs.
• Lead the end-to-end design process, from discovery and research to wireframing, prototyping, and final UI execution.
• Conduct advanced user research, usability testing, and A/B experiments to validate and refine design solutions.
• Partner closely with product managers and engineers to ensure seamless implementation of designs.
• Design scalable UI components and contribute to our evolving design system.
• Advocate for accessibility (A11y) and inclusive design principles, ensuring our products serve a diverse user base.
• Create and refine micro-interactions and motion elements to improve user engagement and usability.
• Use data-driven insights to continuously improve the user experience and optimise for business impact.
• Mentor and guide junior designers, fostering a culture of excellence and innovation.
• Stay ahead of fintech trends and best practices to drive product innovation.

What you need to succeed

• 3+ years in a senior product design role, with a strong focus on UX and a demonstrated ability to lead impactful projects
• Mastery of visual design, typography, grids, layout, and colour theory.
• Expertise in interaction design, information architecture, and user flows.
• Deep understanding of designing for both mobile and web platforms, ensuring responsive and adaptive experiences.
• Strong knowledge of behavioural psychology and how it influences user decision-making.
• Extensive experience conducting usability testing, user interviews, and heuristic evaluations.
• Ability to synthesise qualitative and quantitative insights into impactful design decisions.
• Familiarity with UX analytics tools (Google Analytics, Mixpanel, Hotjar, etc.).
• Proficiency in atomic design principles and building scalable UI frameworks.
• Strong knowledge of motion design tools (Lottie, After Effects, Principle) to create dynamic user experiences.
• Experience mentoring and guiding junior designers.
• Ability to articulate design rationale and influence stakeholders across teams.
• Comfortable working in agile, fast-paced product teams.
• Figma mastery - deep experience with auto layout, design tokens, component variants, interactive prototypes, and scalable design libraries.
• Proven experience in fintech and/or SaaS environments, with a strong understanding of industry challenges and user behaviours.

What you’ll get

• A leadership role in shaping the future of fintech - your work will impact millions of users.
• Career growth opportunities.
• A culture of experimentation - we encourage innovative thinking and rapid iteration.
• Competitive compensation and benefits.
• Remote-friendly work culture, with access to learning resources.
  
  

What to expect in the hiring process

• Application & portfolio review: we look for strong UX case studies that showcase process, research, impact, and leadership.
• Preliminary phone call with the recruiter: a brief conversation to discuss your background, interests, and expectations.
• Interview with a design team member: a discussion about your experience, approach to design, alignment with our mission, and a portfolio walkthrough.
• Design Challenge: an advanced exercise to assess problem-solving, UX/UI craft, and strategic thinking.
• Final executive conversation: a discussion with senior leadership about your ability to think strategically, collaborate across teams, and drive business and user impact through design.

How to apply:

Submit your resume and portfolio showcasing your best work - preferably with fintech or SaaS-related projects. Your portfolio should clearly demonstrate impact, including measurable improvements in user experience, business metrics, or engagement. We want to see end-to-end product thinking, including research, wireframes, prototypes, and final execution.

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.
Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $1

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

About the role:

As a Senior UX/UI Designer, you will be responsible for executing high-quality designs for our financial products, ensuring they are intuitive, accessible, and effective. You will collaborate with cross-functional teams, mentor junior designers, and champion user-centred design within the organisation. This role requires a strategic mindset, deep UX/UI expertise, and the ability to translate complex financial concepts into seamless user experiences.

What you’ll do

• Define and execute design strategies that align with business objectives and user needs.
• Lead the end-to-end design process, from discovery and research to wireframing, prototyping, and final UI execution.
• Conduct advanced user research, usability testing, and A/B experiments to validate and refine design solutions.
• Partner closely with product managers and engineers to ensure seamless implementation of designs.
• Design scalable UI components and contribute to our evolving design system.
• Advocate for accessibility (A11y) and inclusive design principles, ensuring our products serve a diverse user base.
• Create and refine micro-interactions and motion elements to improve user engagement and usability.
• Use data-driven insights to continuously improve the user experience and optimise for business impact.
• Mentor and guide junior designers, fostering a culture of excellence and innovation.
• Stay ahead of fintech trends and best practices to drive product innovation.

What you need to succeed

• 3+ years in a senior product design role, with a strong focus on UX and a demonstrated ability to lead impactful projects
• Mastery of visual design, typography, grids, layout, and colour theory.
• Expertise in interaction design, information architecture, and user flows.
• Deep understanding of designing for both mobile and web platforms, ensuring responsive and adaptive experiences.
• Strong knowledge of behavioural psychology and how it influences user decision-making.
• Extensive experience conducting usability testing, user interviews, and heuristic evaluations.
• Ability to synthesise qualitative and quantitative insights into impactful design decisions.
• Familiarity with UX analytics tools (Google Analytics, Mixpanel, Hotjar, etc.).
• Proficiency in atomic design principles and building scalable UI frameworks.
• Strong knowledge of motion design tools (Lottie, After Effects, Principle) to create dynamic user experiences.
• Experience mentoring and guiding junior designers.
• Ability to articulate design rationale and influence stakeholders across teams.
• Comfortable working in agile, fast-paced product teams.
• Figma mastery - deep experience with auto layout, design tokens, component variants, interactive prototypes, and scalable design libraries.
• Proven experience in fintech and/or SaaS environments, with a strong understanding of industry challenges and user behaviours.

What you’ll get

• A leadership role in shaping the future of fintech - your work will impact millions of users.
• Career growth opportunities.
• A culture of experimentation - we encourage innovative thinking and rapid iteration.
• Competitive compensation and benefits.
• Remote-friendly work culture, with access to learning resources.
  
  

What to expect in the hiring process

• Application & portfolio review: we look for strong UX case studies that showcase process, research, impact, and leadership.
• Preliminary phone call with the recruiter: a brief conversation to discuss your background, interests, and expectations.
• Interview with a design team member: a discussion about your experience, approach to design, alignment with our mission, and a portfolio walkthrough.
• Design Challenge: an advanced exercise to assess problem-solving, UX/UI craft, and strategic thinking.
• Final executive conversation: a discussion with senior leadership about your ability to think strategically, collaborate across teams, and drive business and user impact through design.

How to apply:

Submit your resume and portfolio showcasing your best work - preferably with fintech or SaaS-related projects. Your portfolio should clearly demonstrate impact, including measurable improvements in user experience, business metrics, or engagement. We want to see end-to-end product thinking, including research, wireframes, prototypes, and final execution.