Head of Collections - Strategy & Analytics

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities. To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative video . Job Responsibilities End-to-End Ownership Full accountability for cash collected, arrears, roll-rates, PAR/NPL, and recovery economics Own outcomes, not activities or excuses Actively shape upstream inputs (Risk, Product, CX, Tech) to improve downstream collections performance Strategy & System Design Design and execute a multi-horizon collections strategy thriugh short term cash optimization, mid term recovery improvement and long term customer behaviour change. Build structured approach to early vs late stage collections, segmentation driven treatment strategies and behavioural & incentive based interventions Introduce clear experimentation frameworks (control vs test, ROI-driven rollouts) Data-Led Decision Making Use data to drive decisions Partner deeply with Risk and Data Science on roll-rate optimisation, behavioural analytics, treatment effectiveness measurement, unit economics and ROI of collections actions and demand transparent, decision-ready reporting with clear accountability Team & Bench Strength Build a high-calibre leadership bench within Collections Upgrade talent decisively where required Develop leaders, not just agents Create a culture of accountability, ownership, and continuous improvement Cross-Functional Leadership Actively influence Product, Risk, Tech, and CX — do not wait for alignment Challenge constructively where design or policy decisions harm recoveries Be a respected, firm voice at senior leadership and ExCo forums Customer & Brand Balance Improve collections outcomes without damaging long-term customer value Reduce escalations through system fixes, not firefighting Balance firmness with fairness through smarter design, not leniency Time-Bound Success Expectations …