Job Title: Regional Manager – Buy Now, Pay Later (BNPL)
Department: Mobile Installment Reports To: Head of Business Development / Country Manager Location: Benin City Employment Type: Full-time
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.
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.
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.
About PalmPay
PalmPay is building the financial superapp for Africa.
