Job Vacancies at Credpal

Credpal is an innovative solution that seeks to combat the ever complex loan approval process that has deterred millions from achieving specific goals over the years. We believe quality of life can be drastically improved if individuals can easily make purchases and pay overtime at their convenience with reduced or no financial pressure, while also increasing their purchasing capabilities.

We are recruiting to fill the following positions below:

1.) Backend Developer

Job Location: Yaba, Lagos
Job Type: Full Time/Hybrid
Level: Senior Level

Purpose Statement

• We are seeking a talented and passionate Mid-Senior Backend Engineer with strong NestJS experience and a solid understanding of distributed, event-driven systems to join our engineering team.
• Your role will be crucial in designing, building, and maintaining backend services that power core financial products.
• You’ll work in a microservices architecture, handling transactional data, background processing, and third-party integrations.
• This role suits an engineer who cares deeply about correctness, reliability, and scale.

Responsibilities
Backend & API Development:

• Build and maintain backend services using NestJS, Node.js, and TypeScript.
• Design and expose secure, well-structured REST APIs for web, mobile, and partner systems.
• Implement core fintech features such as wallets, transactions, cards, lending, savings, and disbursements.
• Integrate with external services including payment gateways, KYC providers, and banking APIs.

System Design & Architecture:

• Develop services within a microservices architecture.
• Implement event-driven workflows using RabbitMQ.
• Design systems with focus on idempotency, fault tolerance, and data consistency.
• Build and maintain background jobs and workers.

Data & Storage:

• Design and manage relational data using MySQL.
• Use MongoDB for document-based and non-relational workloads.
• Implement caching and fast data access using Redis.
• Ensure accurate transaction records and reconciliation logic.

Infrastructure & Reliability:

• Containerize services using Docker and work closely with infrastructure teams on deployment.
• Write unit and integration tests to ensure system reliability.
• Participate in code reviews and architectural discussions.
• Monitor and improve service performance and stability.

Collaboration & Ownership:

• Work closely with Product, Frontend, Mobile, and DevOps teams.
• Take ownership of services from design through production.
• Mentor junior engineers and uphold engineering best practices.

Requirements

• 4 - 6 years of professional backend engineering experience.
• Strong production experience with NestJS.
• Deep understanding of Node.js and TypeScript.
• Experience working with MySQL and MongoDB.
• Hands-on experience with RabbitMQ and asynchronous processing.
• Experience using Redis for caching or distributed locks.
• Experience containerizing applications using Docker.
• Solid understanding of REST API design and backend security fundamentals.

Nice-to-Have:

• Prior experience in fintech, payments, lending, wallets, or cards.
• Experience building or maintaining ledger-based systems.
• Familiarity with observability tools (logs, metrics, tracing).
• Experience working in high-traffic or regulated environments.
• Mentorship or technical leadership experience.

What Success Looks Like:

• You ship reliable backend services that handle real money safely.
• You reduce incidents through better design and testing.
• You improve scalability and performance of existing systems.
• You help raise backend engineering standards at CredPal.

Click here to apply online

2.) Head of Credit

Job Location: Yaba, Lagos
Job Type: Full Time/Hybrid
Level: Senior Level

Purpose Statement

• We are seeking a commercially aggressive Head of Credit to own end-to-end business credit disbursement across CredPal’s SME and merchant portfolio.
• This role requires a hands-on leader who drives merchant acquisition, activates new borrowers daily, builds high-velocity credit pipelines, and consistently delivers ?1B+ monthly disbursements.
• You will lead growth across working capital loans, merchant financing, invoice financing, credit lines, and embedded credit products, with full accountability for volume, quality, and collections.
• The ideal candidate has 5+ years of SME or business credit leadership experience, a proven track record of exceeding targets, strong merchant networks, and relentless execution discipline.

Responsibilities
Disbursement Ownership:

• Deliver monthly business credit disbursement targets across all business credit products including working capital loans, merchant financing, invoice financing, and credit lines.
• Track disbursement performance daily and take immediate corrective action to close gaps.
• Own pipeline conversion from lead → approval → disbursement → repeat drawdown.
• Business Channel Activation
• Identify, develop, and scale high-converting business acquisition channels including direct sales, merchant partnerships, platforms, aggregators, and embedded credit flows.
• Personally engage and activate high-value merchants, distributors, and enterprise partners when required.

Lead Generation & Conversion:

• Build and execute end-to-end lead generation strategies for SME and merchant borrowers.
• Optimize onboarding, credit approval, and drawdown conversion funnels using data, field insights, and customer behavior.
• Drive high approval-to-disbursement conversion rates.

Merchant Engagement & Acquisition:

• Identify high-quality merchant clusters, trade groups, and business networks for onboarding into CredPal’s business credit ecosystem.
• Drive strong merchant activation, utilization, and repeat borrowing behavior.

Portfolio Quality & Repayment:

• Ensure credit is disbursed to creditworthy businesses through disciplined screening, segmentation, and behavioral monitoring.
• Monitor repayment performance, delinquency trends, and PAR closely.
• Partner cross-functionally to execute proactive delinquency prevention and recovery strategies.

Data-Driven Execution:

• Maintain and analyze dashboards covering disbursement volume, active borrowers, utilization rates, repayment behavior, and risk metrics.
• Use insights to drive tactical field interventions, channel optimization, and growth prioritization.

Market Intelligence:

• Stay deeply informed on SME lending trends, competitor activity, pricing models, and borrower behavior.
• Continuously refine acquisition strategies and product positioning based on market signals.

Cross-Functional Coordination:

• Work closely with credit risk, operations, marketing, partnerships, and product teams to ensure seamless execution across the credit lifecycle.
• Ensure alignment between credit policy, commercial objectives, and operational capacity.

Reporting & Forecasting:

• Deliver regular executive performance reports with actionable insights.
• Own accurate forecasting of monthly disbursement, pipeline velocity, and collections performance.

KPIs / Success Metrics

• Monthly Business Credit Disbursement Volume
• Number of Active Disbursed Business Accounts
• Daily / Weekly Disbursement per Channel
• Lead Conversion Rate (Onboarding → Disbursed)
• Portfolio at Risk (PAR) below benchmark
• Credit Repayment Collection Rate
• Pipeline Velocity & Conversion
• Repeat Borrowing Rate
• Average Ticket Size Growth
• Sales Productivity

Requirements

• Bachelor’s Degree in Finance, Economics, Business, or a related field (MBA or relevant professional certifications are an advantage).
• Minimum of 5 – 8 years of experience in SME lending, business credit, merchant financing, or commercial banking, with at least 3 years in a leadership role.
• Proven track record of driving high-volume business credit disbursements, consistently meeting or exceeding aggressive monthly targets (?1B+ preferred).
• Experience within a fintech, microfinance, or high-growth lending environment is strongly preferred.
• Deep hands-on experience across working capital loans, merchant financing, invoice financing, credit lines, and embedded credit products.
• Strong merchant and SME networks, with demonstrated ability to activate and scale acquisition channels.
• Solid understanding of credit risk assessment, portfolio management, collections, and delinquency control within SME lending.
• Highly execution-focused leader with the ability to drive field activity personally, pipeline conversion, and merchant activation.
• Strong analytical skills with experience using dashboards, KPIs, and data insights to drive decision-making and performance optimization.
• Excellent stakeholder management skills with the ability to work cross-functionally across Risk, Product, Operations, Partnerships, and Marketing.
• High level of commercial acumen, accountability, and ownership mindset.

Click here to apply online

3.) Product Manager

Job Location: Yaba, Lagos
Job Type: Full Time/Hybrid
Department: Product & Engineering
Level: Mid Level

Purpose Statement

• We are looking for a dynamic and experienced Product Manager to join our team and play a crucial role in shaping the success of our products. 
• As a Product Manager, you'll drive product vision, strategy, and execution, ensuring alignment with customer needs, trends, and business goals.
• You'll translate ideas into solutions that create user value and company growth. Your mission involves defining roadmaps, prioritizing features, and guiding development from concept to launch.
• By analyzing market data and user feedback, you'll shape standout products that resonate with our audience.
• Collaborating with cross-functional teams, you'll inspire development, design, and marketing efforts, fostering innovation and customer-centricity to deliver exceptional products that exceed expectations and maintain competitiveness.

Responsibilities

• Define and communicate the product vision, strategy, and objectives to internal teams and stakeholders.
• Prepare and review product requirements documents (PRD).
• Lead the product development process from concept to launch, ensuring timely and successful execution.
• Collaborate with cross-functional teams, including engineering, design, and marketing, to prioritize features and align efforts.
• Conduct market research and analysis to identify customer needs, market trends, and competitive landscape.
• Translate customer feedback and insights into actionable product improvements and features.
• Develop and maintain a clear product roadmap, outlining key milestones and deliverables.
• Prioritize features based on business value, customer impact, and technical feasibility.
• Define and track key performance metrics to assess product success and drive continuous improvement.
• Act as the voice of the customer, advocating for user-centered design and exceptional user experiences.
• Manage product launches, coordinating with marketing and sales teams to ensure successful go-to-market strategies.
• Stay updated on industry trends, emerging technologies, and best practices in product management.
• Gather and analyze feedback post-launch, iterating on products to enhance their value and performance.
• Collaborate with leadership to align product strategies with overall company goals.

Requirements

• Bachelor's Degree in Computer Engineering or related field; advanced degree or certification is advantageous.
• Minimum of 3 years of proven track record in product management or related roles.
• Familiarity with agile methodologies and project management.
• Strong leadership skills for cross-functional team collaboration.
• Exceptional communication and interpersonal abilities.
• Analytical mindset and data-driven decision-making.
• Customer-centric approach to product development.
• Strategic thinking and problem-solving capabilities.
• Excellent project and time management skills.
• Proficiency in product management tools and software.
• Industry awareness and continuous learning mindset.
• Willing to resume immediately.

Benefits

• Professional development opportunities.
• A collaborative and inclusive work culture that fosters growth and innovation.
• Opportunity to work with cutting-edge products and technologies.
• Supportive and approachable management team dedicated to your success.

Click here to apply online