FairMoney

People Operations

• Coordinate the end-to-end recruitment and selection process for all outsourced hires, including job posting, screening resumes, conducting interviews, and coordinate with the outsourcing partners to send offers to successful candidates.
• Ensure smooth onboarding process for all new outsourced hires, including orientation, documentation, and providing necessary information and resources in coordination with the outsourcing partners.
• Maintain an up to date employee database, including personal information, employment contracts, and benefits enrolment.
• Handle employee inquiries and provide guidance on HR policies, procedures, and programs.
• Process outsourced staff payroll and ensure accuracy of employee compensation, deductions, and benefits.
• Manage employee attendance, leaves, and timekeeping records.
• Administer employee benefits programs, such as HMO, pension plans, and employee assistance programs.
• Support employee relations initiatives by addressing employee concerns, grievances, and disciplinary matters in accordance with company policies and legal requirements.
• Contribute to the development and implementation of employee engagement programs and initiatives to foster a positive work culture and enhance employee satisfaction.
• Assist in organizing employee events, recognition programs, and team-building activities.
• Assist in the development, implementation, and communication of HR policies, procedures, and employee handbook.
• Stay updated on relevant employment laws and regulations and ensure HR practices are compliant.
• Assist in conducting internal audits and reviews to identify areas of improvement in HR processes and compliance.
• Assist in the performance management process, including goal setting, performance reviews, and performance improvement plans.
• Maintain performance records and support managers in addressing performance-related issues.
• Prepare HR reports and metrics, such as headcount, turnover, and employee demographics.
• Analyze HR data to identify trends and insights and provide recommendations for improving HR strategies and processes.

People & Culture Specialist

Account Manager

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios.
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets.
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region.
• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions.
• Actively drive to meet and exceed lending and payments performance targets.
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities.
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.
• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility.
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking.
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required.
• Grow regional transaction volume, value, and revenue in alignment with lending objectives.

Relationship Manager – Business Banking

Collections

• Conduct daily field visits to defaulting customers (agents and merchants) to drive repayments.
• Meet daily productivity targets (calls, visits, right-party contacts, promises to pay, and collections).
• Manage assigned portfolio to reduce roll rates and prevent movement into higher DPD buckets.
• Track, follow up, and convert promises to pay (PTPs) into actual payments.
• Negotiate repayment plans and settlements within approved guidelines.
• Maintain accurate records of all activities and customer interactions.
• Verify customer information and update records to improve contactability.
• Prioritize accounts based on delinquency stage and recovery potential.
• Escalate non-responsive or high-risk accounts where necessary.
• Ensure accurate and timely reporting of all daily recovery activities on the designated collections management system.
• Ensure compliance with internal policies and regulatory requirements

Field Collections Agent

Payroll

• - Manage the end-to-end monthly payroll process for all employees within approved timelines and in line with the company’s payroll calendar.
• - Ensure salaries, allowances, bonuses, incentives, deductions, loans, reimbursements, and final settlements are accurately processed.
• - Maintain and update payroll records in line with approved employee changes, including new hires, exits, promotions, transfers, salary reviews, and unpaid leave.
• - Review payroll inputs for accuracy, completeness, and proper approval before processing.
• - Ensure accurate computation and timely remittance of statutory obligations, including PAYE, pension, NSITF, ITF, NHF, and other applicable deductions.
• - Liaise with tax authorities, pension administrators, and other regulatory bodies where required.
• - Ensure payroll practices comply with relevant Nigerian labour, tax, pension, and data protection requirements.
• - Prepare monthly payroll reports for management, Finance, and HR leadership.
• - Conduct monthly reconciliation of payroll data against HRIS records, bank payment files, Finance records, and statutory deductions.
• - Track payroll cost trends, headcount cost movement, employee benefits, deductions, and payroll variances.
• - Provide payroll analytics to support budgeting, forecasting, workforce planning, and management decision-making.
• - Maintain accurate and confidential employee payroll records and ensure payroll data is properly captured, updated, stored, and protected.
• - Work closely with People Operations to ensure employee lifecycle changes are reflected correctly in payroll.
• - Ensure all payroll documentation is properly filed and accessible only to authorized persons.
• - Compute final salary, accrued leave, deductions, loans, benefits, and other exit-related payments.
• - Work with HR and Finance to ensure final settlements are accurate, approved, and processed in line with company policy.
• - Ensure all payroll-related exit documentation is properly completed and archived.
• - Develop and improve payroll processes, controls, templates, and standard operating procedures.
• - Identify payroll risks and recommend controls to prevent errors, fraud, overpayment, underpayment, or compliance breaches.
• - Support automation and optimization of payroll processes using HRIS/payroll systems.
• - Serve as the main point of contact for payroll-related employee queries.
• - Collaborate with Finance, People Operations and Legal and Compliance on payroll-related matters.
• - Manage relationships with payroll vendors, pension administrators, tax consultants, and other external service providers where applicable.

Payroll Manager

Product Manager

• Craft a compelling product strategy for the Neobanking division that aligns with Fairmoney’s overarching business goals.
• Scout and prioritize market opportunities to ensure our banking products are competitive and address the needs of a dynamic fintech environment.
• Work collaboratively with teams across Engineering, Marketing, UX/UI Design, Data Analytics, and Operations to develop a cohesive and feasible product roadmap.
• Continuously evaluate and adjust the roadmap in response to market shifts, consumer feedback, and strategic priorities.
• Execute detailed market research and customer analyses to extract insights that inform product decisions and enhance customer engagement and satisfaction.
• Leverage analytics to refine product features and ensure alignment with user expectations and business objectives.
• Supervise the entire product lifecycle from ideation to market launch, guaranteeing quality, compliance, and alignment with customer expectations.
• Ensure seamless collaboration across functional teams to achieve product delivery within set timelines and budget.
• Coordinate closely with the Compliance and Risk management teams to ensure all banking products comply with legal standards and ethical norms.
• Develop strategies to mitigate risks and secure the interests of both customers and the business.
• Establish and monitor critical performance indicators to measure product success and market penetration.
• Iterate and enhance product offerings based on rigorous analysis and customer feedback.
• Lead, mentor, and build capabilities within the product management team to foster a culture of innovation and excellence.
• Define clear team goals, offer consistent feedback, and support career development.

People & Culture Specialist

Relationship Manager – Business Banking

Field Collections Agent

Payroll Manager

Senior Product Manager – Banking