Job Opportunities API

Renmoney is building the next-generation ecosystem for financial services in Nigeria, spanning retail savings, lending, digital banking, SME services and partnerships. As we expand beyond our mobile app, we are developing alternate channels that bring financial services closer to customers wherever they are. As Product Manager for Alternate Channels, you will act as the CEO of a pivotal business line. You will own the strategy, roadmap and commercial success of our alternate channels portfolio, covering agent banking, POS merchant acquiring, Distribution-led acquisition, banking, lending, and embedded finance (BaaS) partnerships. You will build products and platforms that put Renmoney’s services in the hands of every Nigerian, transforming corner shops into financial hubs and everyday apps into credit access points. This role demands strategic vision, hands-on execution, and strong commercial acumen. You will manage the P&L, collaborate with cross-functional teams, and ensure that our channels deliver profitable growth while adhering to regulatory requirements. Key Responsibilities 1.          Strategic Leadership & Vision Develop and champion a compelling product vision for alternate channels, aligned with Renmoney’s mission of financial inclusion and business growth. Own the P&L for the alternate channels portfolio, setting pricing and revenue targets and managing costs to ensure profitability. Conduct market analysis, competitor benchmarking and customer research to identify new opportunities across agent banking, POS acquiring, distribution-led lending and embedded finance. Shape short- and long-term roadmaps for each channel, driving synergy with Renmoney’s core digital products. 2.        Product Lifecycle Management & Execution Lead the end-to-end product development lifecycle from ideation, requirements gathering and user story creation to launch, iteration and retirement. Agent Banking: Design and enhance the agent platform (mobile and USSD) to facilitate deposits, withdrawals, transfers, bill payments and loan origination. Build a best-in-class agent onboarding and management system. POS Merchant Acquiring: Develop a differentiated value proposition for merchants. Oversee the strategy for POS devices, settlement processes and value-added services such as merchant lending and inventory management. Distribution-Led Lending: Design and launch credit products that can be offered through partners (e.g., retail chains, device financiers, agent networks), balancing growth with prudent risk management. Embedded Finance (BaaS): Define our API product suite, enabling third-party fintechs and businesses to integrate Renmoney’s credit and financial services into their platforms. 3.        Growth, Efficiency & Customer Experience Collaborate with Sales and Marketing to design and execute acquisition and activation strategies for agents and merchants. Drive performance against numeric targets Increase the number of active agents and merchants by ≥30% year-over-year. Grow the value and volume of loans and savings balances disbursed via alternate channels by ≥40%. Reduce onboarding and transaction turnaround times by ≥25%. Improve cost per acquisition (CPA) by ≥15% while maintaining healthy unit economics. Establish feedback loops with agents, merchants and partners and use data to drive continuous improvement in product features and processes. Champion a world-class experience for all stakeholders and ensure high Net Promoter Scores (NPS), targeting a ≥20‑point improvement. 4.        Compliance & Risk Management Ensure all alternate channels adhere to Central Bank of Nigeria (CBN) regulations and other applicable standards. Maintain 100% KYC compliance and zero major