Product Manager - Offline Lending

We are scaling our Offline Lending business in Nigeria and looking for a Product Manager to own the product end-to-end - from acquisition and loan origination to repayment, collections, and portfolio performance. We are looking for a hands-on product leader with strong experience in the Nigerian lending market, who understands offline / branch / field-based lending and can drive both portfolio growth and sustainable profitability. We expect the first tangible outcomes within 6–8 weeks.

Responsibilities

Own the Offline Lending product lifecycle end-to-end; Optimize loan products, eligibility, pricing, limits, tenor, and approval processes; Improve customer acquisition through branches, field teams, agents, and other offline channels; Drive portfolio growth while maintaining healthy PAR, NPL, default, and profitability metrics; Work with Risk, Credit, Operations, Collections, Data, Engineering, and Commercial teams; Use data to improve approval rates, turnaround time, repayment, repeat lending, and unit economics; Identify opportunities to scale the lending portfolio across Nigeria

Requirements

4–7 years of Product Management / Product Ownership experience; Strong experience in lending products in Nigeria; Hands-on experience with offline / branch-led / field-based lending; Strong understanding of credit assessment, underwriting, loan origination, repayment, and collections; Experience with portfolio management and lending metrics such as PAR, NPL, default, yield, and loss rates; Experience in fintech, MFB, banking, consumer finance, or digital lending; Strong commercial and data-driven mindset; Proven ability to work cross-functionally with Risk, Credit, Operations, Collections, Data, and Engineering; Strong stakeholder management and execution skills; Fluent English

Nice to have

Experience with SME, merchant, working capital, or repeat lending products

Benefits

Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary and performance bonus; Comfort: comprehensive health insurance, 25+ paid vacations and day-offs, personal development plan; Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools; Join a diverse, inclusive team where all voices are valued, and professional growth is a priority