Head of Retail Sales - (BNPL)

Job Description

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 Retail Sales - (BNPL)

Job Type : Full Time / Hybrid

Level : Senior Level

Purpose Statement

We are in search of a highly skilled and experienced Head of Retail Sales to lead and accelerate CredPal’s retail credit growth. In this role, your primary responsibility will be to own BNPL retail disbursements end-to-end from aggressively driving merchant sign-ups and onboarding, to activating new BNPL users daily, to achieving ₦3B+ monthly disbursement targets. This position requires a hands-on leader who doesn’t just design sales strategies but actively executes them in the field. The ideal candidate will bring a minimum of 5–7 years of successful credit or retail sales leadership experience , with a proven track record of exceeding ambitious revenue and disbursement goals. You must demonstrate strong financial acumen, the ability to scale sales teams, and the drive to build a performance culture that consistently delivers results. Above all, we’re looking for someone who can inspire, mentor, and motivate a high-performing retail sales team , while ensuring operational discipline and portfolio quality through effective credit risk management.

Responsibilities

Ownership

• Define and execute BNPL retail strategy aligned with company growth goals.
• Drive merchant acquisition and onboarding at scale.
• Grow BNPL consumer adoption and GMV penetration.
• Own P&L for the retail BNPL vertical, including pricing, margins, and risk metrics.
• Build partnerships with major retail chains and e-commerce platforms.
• Collaborate with Product, Risk, and Growth teams on GTM plans and feature roll-outs.
• Lead sales, account management, and merchant success teams.
• Implement data-driven tracking for merchant and consumer growth KPIs.

Retail Channel Activation

Lead Generation & Conversion

Merchant Engagement & Acquisition

Portfolio Quality & Repayment

Data-Driven Execution

Market Intelligence

Cross-Functional Coordination

Reporting & Forecasting

KPIs / Success Metrics

Requirements

Benefits

Requirements

Bachelor’s degree in Business, Finance, Marketing, or related field; MBA is a plus. 5+ years in BNPL, payments, retail lending, or e-commerce leadership roles with proven growth and partnership track record. 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