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 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 Purpose

You are the commercial architect behind Moniepoint’s most strategic deals. As our Senior Legal Counsel for Contracts, you ensure we move fast and innovate without compromising on security or compliance.

This role isn't just about "spotting risks"—it’s about finding creative, factual, and simple ways to help the business achieve its goals. You will lead our approach to complex technology agreements, corporate finance, and M&A, ensuring that every contract we sign reflects our mastery and protects our mission to create financial happiness.

Key Responsibilities

• Lead the Deal: Drive the drafting, negotiation, and execution of complex commercial agreements, from SaaS and licensing to payment partnerships.

• Master the Details: Provide clear, jargon-free legal guidance on contractual risk and liability. You explain the "why" behind the "what."

• Build for Scale: Create and maintain contract templates and playbooks that make our legal processes efficient and consistent across the globe.

• Protect our IP: Advise on intellectual property, licensing structures, and data protection to ensure Moniepoint’s innovations stay ours.

• Drive Growth: Lead legal support for corporate finance, including debt and equity financing, and manage the legal lifecycle of M&A and investment deals.

• Partner with Experts: Collaborate with finance, strategy, and external advisors to ensure our transactions are executed with precision.

• Operational Excellence: Monitor our contractual health, ensuring we meet our obligations and stay ahead of regulatory shifts.

Qualifications

• 8–11 years of experience in commercial law, with a focus on technology and complex contract negotiations.

• Bachelor of Laws (LL.B) and a Qualifying Certificate from the Nigerian Law School.

• Demonstrated success in leading corporate finance and M&A transactions.

• A deep understanding of the fintech or banking regulatory landscape.

• Mastery in drafting documents that are clear, simple, and legally robust.

Preferred Qualifications

• Experience in a fast-growth scale-up or global fintech environment.

• Proven ability to manage high-value transactions across multiple jurisdictions.

About You

• You’re a Master of Context: You apply systems thinking to legal problems, balancing strict compliance with business reality.

• You’re Relatable: You don’t hide behind "legalese." You speak the same language as our product and business teams.

• You have Grit: You’re comfortable with the pressure of high-stakes deals and have the momentum to see them through to the finish line.

• You’re Honest: You tell us the truth about risks, but you always bring a solution to the table.

• You’re a Creator: You enjoy building better systems, not just following old ones.

What Success Looks Like (6–12 Months)

• Efficient Playbooks: You’ve launched a suite of contract templates that have reduced negotiation time for our commercial teams.

• Seamless M&A: You’ve successfully led the legal workstream for at least one major strategic transaction or financing round.

• Trusted Partnership: Business leaders view you as a "growth enabler" rather than a "blocker," seeking your advice early in the deal-making process.

• Risk Clarity: Our contractual risk profile is clearly documented, understood by the board, and managed proactively.

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.