Head of Sales - Retail

CredPal (YC W19)

Sales

CredPal is a leading financial technology company that offers a comprehensive range of financial solutions, including credit cards and investment opportunities, to empower individuals. Our mission is to revolutionize access to credit and investment, enabling individuals to take charge of their financial well-being.

Job Title: Head of Sales - Retail

Job Type: Full Time/Hybrid

Level: Senior Level

Purpose Statement

We are in search of a highly skilled and experienced Head of Sales - Retail to become a vital part of our dynamic sales team. In the role, your primary responsibility will be to own retail credit disbursement end-to-end . From getting into the field and driving merchant sign-ups, to activating new credit users daily, to hitting ₦1B+ disbursement goals monthly this role demands someone who doesn’t just build a plan, but lives it. To excel in this role, you should possess a minimum of 5 years of successful credit sales management experience, demonstrate a proven track record of surpassing targets, and exhibit a strong ability to mentor and motivate a high-performing sales team.

Responsibilities

Disbursement Ownership

• Deliver monthly disbursement targets across all retail credit products credit card, BNPL, and personal credit lines.
  
Track disbursement performance daily and take decisive action to bridge gaps.

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Retail Channel Activation

• Identify, develop, and scale high-converting retail distribution channels (offline, online, or merchant-integrated).
  
Directly engage and activate new merchants or customer-facing partners when required.

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Lead Generation & Conversion

• Build and execute end-to-end lead generation strategies for retail credit users.
  
Optimize conversion funnels through insight-driven testing, customer feedback, and market behavior.

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Merchant Engagement & Acquisition

• Identify key retail merchant opportunities and onboard them into CredPal’s credit ecosystem.
  
Support merchants to drive customer awareness and product adoption.

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Portfolio Quality & Repayment

• Ensure credit disbursed are to creditworthy customers through proactive screening and behavior monitoring.
  
Monitor repayment performance and collaborate cross-functionally on delinquency mitigation initiatives.

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Data-Driven Execution

• Maintain and analyze dashboards for KPIs such as disbursement volume, active users, credit utilization, and repayment rates.
  
Use insights to inform strategic decisions and field interventions.

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Market Intelligence

• Stay informed on retail lending trends, competitor activity, and customer behavior.
  
Proactively adapt strategies based on evolving market realities.

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Cross-Functional Coordination

Reporting & Forecasting

• Deliver regular performance reports with insights and actionable recommendations.
  
Forecast monthly sales and disbursement projections with accuracy and accountability.

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KPIs / Success Metrics

• Monthly Retail Credit Disbursement Volume
  
• Number of Active Disbursed Users
  
• Daily/Weekly Disbursement per Channel
  
Lead Conversion Rate (Onboarding
• Disbursed)
  
• PAR (Portfolio at Risk) below benchmark
  
• Credit Repayment Collection Rate
  
Sales Team Productivity

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Requirements

• Bachelor’s degree in Business, Finance, Marketing, or related field; MBA is a plus.
  
• Minimum of 6–8 years’ experience in retail lending, consumer credit, or fintech sales leadership.
  
• Proven track record of meeting or exceeding credit disbursement targets.
  
• Strong understanding of credit sales, merchant financing, and disbursement mechanics.
  
• Data-driven mindset with strong analytical and reporting skills.
  
• Excellent communication, negotiation, and stakeholder management skills.
  
• Strong business acumen and knowledge of Nigeria’s lending landscape.
  
Familiarity with CRM tools, disbursement platforms, and digital onboarding flows

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Benefits

• Competitive salary with performance-based bonuses up to ₦ 36,000,000 per year.
  
• Opportunity to work with a high-growth, innovative fintech company.
  
Collaborative and supportive work environment.

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