Regional Manager (Buy Now Pay Later)

PalmPay is an Africa-focused fintech firm, launched in 2019. PalmPay is a mobile payments platform that offers a number of financial services.

We are recruiting to fill the position below:

Job Position: Regional Manager (Buy Now Pay Later)

Job Location: Benin City, Edo
Employment Type: Full Time
Department: Mobile Installment
Reports To: Head of Business Development / Country Manager

About the Role

• The Regional Manager will be responsible for driving growth, operational excellence, and strategic partnerships within the assigned region for our Buy Now, Pay Later (BNPL) business.
• This role combines commercial leadership, strategic thinking, and hands-on execution to build and manage merchant relationships, ensure compliance, and deliver financial performance targets.
• You will act as the key regional representative, leading cross-functional teams to scale BNPL adoption, optimize partner performance, and deliver superior customer experience.

Key Responsibilities
Business Growth & Strategy:

• Develop and execute the regional business plan aligned with national BNPL strategy and revenue goals.
• Identify new growth opportunities, merchant categories, and distribution channels.
• Monitor market trends, consumer behavior, and competitor activities to inform strategy and product positioning.

Partnership Management:

• Build and manage relationships with key merchants, aggregators, and payment partners.
• Negotiate commercial terms, pricing, and marketing agreements.
• Ensure partner satisfaction through regular engagement, performance reviews, and joint business planning.

Operational Excellence:

• Oversee regional operations including merchant onboarding, compliance, and transaction performance.
• Collaborate with product, risk, and finance teams to improve approval rates, repayment performance, and service quality.
• Ensure adherence to company policies, credit risk frameworks, and regulatory requirements.

Team Leadership:

• Lead, coach, and develop a team of sales and account managers.
• Set clear objectives, monitor performance, and promote a high-performance culture. • Foster collaboration across internal teams including marketing, credit, product, and customer service.

Financial Performance:

• Own and deliver on regional revenue, portfolio quality, and profitability KPIs.
• Analyze financial metrics and prepare regular business performance reports.
• Drive cost optimization and efficient allocation of regional resources.

KPIs & Success Measures

• Regional revenue growth and merchant acquisition targets.
• Portfolio health (default rates, repayment performance).
• Partner satisfaction and retention.
• Operational efficiency and compliance adherence.
• Employee engagement and team performance metrics.

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Economics, or a related field (MBA preferred).
• At least 3 years in a regional or multi-market management role.
• Proven track record in B2B sales, partnership development, or channel management.
• Strong understanding of BNPL, consumer credit, or digital payments ecosystems.

Skills & Competencies:

• Strategic thinker with strong analytical and commercial acumen.
• Excellent negotiation, communication, and stakeholder management skills.
• Demonstrated leadership and team management capability.
• Data-driven decision maker with hands-on problem-solving approach.
• Ability to work in a fast-paced, evolving fintech environment.
• Familiarity with digital platforms, CRM tools, and financial analytics.