# Head of Collections - Strategy, Transformation & Performance > FairMoney · Nairobi, Kenya (Hybrid) · Full-time · Posted 2026-05-20 **Workplace:** hybrid **Department:** Collections ## Description 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](https://www.youtube.com/watch?v=qJAvPHdpRD0). **Note: This role is only open to candidates who are willing to fully relocate to Nigeria or candidates who are willing to stay atleast 2 weeks in Nigeria every month** **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 ### First 90 Days (Stabilise & Diagnose) - Take full ownership of collections performance and escalations - Establish clear visibility on cash, arrears, roll-rates, and recovery drivers - Identify and begin fixing the highest-impact structural blockers - Deliver a credible, data-backed transformation roadmap with priorities and owners - Reset accountability standards and leadership expectations within the team ### First 6 Months (Deliver Step-Change) - Demonstrate measurable improvement in cash collected, late stage roll rates and then cash-to-arrears & cash-to-instalment ratios - Implement segmentation-driven treatment strategies at scale - Reduce escalations and repeat failure points through system and process redesign - Strengthen leadership bench with clear successors and upgraded capability ## Requirements - Minimum of first degree in any related field of study. - Minimum of 8 years proven experience in Collections with good leadership experience. - Senior leadership experience in collections within lending, fintech, or credit-led businesses - Proven track record of turning around or materially improving collections performance - Experience operating in data-rich, fast-moving environments - **This role is only open to candidates who are willing fully relocate to Nigeria or candidates who are willing to stay atleast 2 weeks in Nigeria every month.** ## Benefits - 25 days paid vacation, Sick & Public Holidays to B2B contractors. - Remote (timezone must have significant overlap with CET). - Training & Development budget. - Paid company business trips. - Relocation allowance **Recruitment Process** - A screening interview with one of the members of the Talent Acquisition team. - Technical interview with Global Head of Operations - Business Case Study - Final Interview with Chief Credit Officer ## Apply [Apply at FairMoney](https://apply.workable.com/fairmoney/j/00007C69D0/apply) --- Powered by [Workable](https://www.workable.com)