Head of Consumer Credit Products

Our client is hiring an experienced credit products professional to design and launch a new consumer credit product to their existing customer base. This is a build role, not a run role. There is no existing team or portfolio — the first months are almost entirely focused on licensing strategy and product design, with the goal of a live, licensed, trading operation in multiple markets within 18 months.

Job responsibilities:

• Own the consumer credit programme end-to-end: licensing strategy, product design, credit policy, regulatory engagement, and commercial performance
• Lead licence applications across multiple African markets, working with regulators and external counsel
• Design products for underserved consumers, including pricing architecture that complies with local regulation
• Build an approach that draws on alternative repayment data rather than traditional credit bureau history alone
• Define collections operations, portfolio targets, and risk management (NPL, provisioning, recovery) across markets
• Engage development finance institutions and other capital partners to fund the credit book as it scales
• Build and manage a small team as the programme grows

Candidate requirements:

• 3–7 years building or scaling a product from scratch in Sub-Saharan Africa, West Africa, or emerging Asian markets — asset financing, device financing, PAYGO, or digital lending
• Direct, hands-on experience inside a licence application in at least one African or Asian market — not an observer role
• First-hand experience designing credit policy and managing an own-book consumer loan portfolio, including NPL rates, provisioning, and recovery
• Track record running multi-country workstreams simultaneously, not sequentially
• Experience building a consumer pricing model
• West Africa regulatory experience — Francophone/WAEMU regional licensing frameworks and/or Nigeria financial services licensing — is particularly valued given the complexity of these markets
• East Africa regulatory experience — Kenya and/or Uganda — is also a strong asset
• Familiarity with device-based enforcement mechanisms in an asset-financing or PAYGO context
• Existing relationships with development finance institutions in the digital credit or asset-financing space
• Background at a leading PAYGO, asset-financing, or digital lending company operating in emerging markets

If this role matches your skilllset and peaks your interest, please apply with your CV.