--- title: 'Field Credit Officer (North West) at Moniepoint' canonical: 'https://feeny.ai/job/field-credit-officer-north-west-moniepoint-jigawa-s017584ryg43' type: 'job' last_seen: '2026-09-12' --- # Field Credit Officer (North West) at Moniepoint - **Company:** Moniepoint - **Location:** Jigawa, Nigeria / Kaduna, Nigeria / Kano, Nigeria / Katsina, Nigeria / Kebbi, Nigeria / Sokoto, Nigeria / Zamfara, Nigeria - **Posted:** 2026-08-28 - **Last confirmed live:** 2026-09-12 - **Apply:** https://job-boards.eu.greenhouse.io/moniepoint/jobs/4950096101 ## Job description About Us: Ranked in 2024 by the Financial Times, Moniepoint is Africa’s fastest-growing fintech, trusted by over 10 million business and individual accounts, processing billions of Naira in transactions monthly. Our mission is to enable financial happiness for every African, everywhere. Job Title: Field Credit Officer Reports to: Regional Credit Manager Employment Type: Outsourced Work Mode: Onsite Location: Jigawa, Kaduna, Kano, Katsina, Kebbi, Sokoto, and Zamfara About this role: As a Field Credit Officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as and when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage innovative tools we have developed to help you monitor their performance during the course of the loan. You would also be responsible for making deductions from several information sources about the 5Cs of credit, with capacity, character, and capital as major priorities. Make recommendations to management before, during, and after the disbursement of a loan facility as to the best actions to be taken, considering several economic factors. Responsibilities: - Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint - Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit - Review and approve (or decline) loan requests by thoroughly analyzing all the data available - Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration - Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing - Monitor active loan portfolio to ensure continued use of business account and loan repayment performance - Perform all other credit-related functions as may be assigned by a supervisor Experience & Background: - Minimum of an OND in any business-related discipline - Minimum of 2 years’ experience in a sales role for credit products in a financial institution - Demonstrable knowledge of credit risk analysis - Good knowledge of financial analysis is an added advantage - Must be resident in any of these locations (please indicate your preferred location) - Jigawa: Jigawa North East, Jigawa North West, Jigawa South East - Kaduna: Kaduna Central, Kaduna South, and Kaduna North - Kano: Kumbotso, Fagge, Nasarawa, Dala, Kano North, Kano Munipal and Kano Central - Katsina: Katsina Central 1, Katsina Central 2, Katsina North East - Sokoto: Sokoto South and Sokoto North - Plateau: Plateau Central, Plateau South, and Plateau North - Zamfara: Zamfara South and Zamfara North Skills & Competencies: - Apt attention to details - Proven simple/complex analytical skills - Excellent communication, presentation and interpersonal skills - Agility and perseverance What success looks like in this role: - Consistent achievement of gross loan portfolio targets and portfolio profit targets. - Maintaining a healthy, performing loan portfolio with minimized default rates through rigorous physical visitations and monitoring. - Successful onboarding and engagement of viable businesses that actively utilize Moniepoint business accounts. - Accurate credit risk assessments based on key factors like capacity, character, and capital. Why join us: - Competitive compensation, benefits, and career growth opportunities. - Opportunity to work with Africa’s fastest-growing fintech and make a direct impact on business growth across the region. ## About Moniepoint ## Company Overview - **One-liner**: Moniepoint provides an all-in-one payments, banking, credit, and business management platform for businesses and their customers in emerging markets, primarily Nigeria and Africa. - **Entity Type**: Private (backed by major global venture capital funds) - **Headquarters**: London, UK (with offices in Lagos, Nairobi, and the US) - **Founded**: 2015 - **Founders**: Not publicly listed on the main site; the company is the parent of TeamApt Ltd and Moniepoint MFB ## Core Business - **Primary industry/industries**: Fintech, Financial Services, Payments, Banking, Credit - **Target customers**: B2B (primarily Micro, Small, and Medium Enterprises (MSMEs) and their employees and customers), B2C (individuals) - **Mission or purpose statement**: "Financial happiness for every African, everywhere" ## Products & Services - **Payments**: Digital payment acceptance infrastructure and distribution networks that democratise payment acceptance, including POS terminals. Moniepoint is Nigeria’s largest offline merchant acquirer, powering most of the country's POS transactions. - **Credit**: Loans to business owners based on transaction history (not collateral) to help finance inventory and expand businesses. - **Banking**: Business and personal banking solutions enabling instant transactions, bill payments, and financial management. - **Business Management**: Operational tools like expense cards, accounting, and book-keeping solutions for businesses. ## Market Standing - **Valuation/Market Cap**: Not publicly disclosed (private company) - **Key Metric**: Total Funding - The company has raised significant capital from top-tier investors. It processes over $17 billion in Total Payment Volume (TPV) monthly and supports over 10 million customers (business and individual accounts) and 4 million active merchants. - **Notable Investors/Partners**: QED, British International Investment (BII), FMO, LeapFrog Investments, and other leading global venture capital funds. - **Growth Signals**: Named "Africa's fastest growing financial institution" (2023-2025). Processes $12-17 billion monthly through digital payment channels. Serves 60 million unique cards on its POS terminals each quarter. Has a network of 40,000 field agents. ## Competitive Advantages - **Integrated "Operating System"**: Moniepoint has built a fully integrated, end-to-end platform tailored specifically to Nigeria’s informal and cash-reliant economy. This is a massive moat. - **Hybrid Model**: A unique combination of advanced technology, a nationwide agent network (40,000 field agents), and widespread POS terminal deployment that enables financial access even in rural areas. - **Data-Driven Credit**: Offers loans based on transaction history rather than collateral, unlocking credit for the underserved. Roughly a third of its MSME customers are receiving loans for the first time. - **Market Dominance**: As Nigeria's largest merchant acquirer, it has a deep, defensible network effect. ## Strategic Focus - **Deepening Financial Inclusion**: Continuing to expand access to payments, credit, and banking for underbanked populations and MSMEs across Africa. - **Scaling the Platform**: Growing the number of merchants, agents, and individual customers on its all-in-one platform. - **Product Expansion**: Adding more business management and operational tools to become the "operating system" for African businesses. ## Why Work Here - **Culture**: Described as a "dream team" culture with values of **Technical Depth, Empathy, Integrity, Grit, No Ego, and Candour**. The company emphasizes a flat organizational structure where "every voice matters" and "everyone is an extension of our team." - **Work Model**: Moniepoint Inc. is a fully remote tech company with a diverse workforce worldwide. (Note: Some roles may be location-specific, e.g., Lagos or Nairobi). - **Perks & Benefits**: Competitive salary, health insurance, pension, paid leave days, mental health & crisis support, team building activities, and "Dope Merch!" The work is described as a "portfolio of projects that matter." - **Interview Process**: A multi-stage process including a Preliminary Phone Screen, a Technical Assessment/Case Study, a Panel Interview, and an Executive/Final Interview. ## Sources 1. [Moniepoint.com](https://www.moniepoint.com/) 2. [Moniepoint Careers Page](https://job-boards.eu.greenhouse.io/moniepoint) 3. [Moniepoint Culture Page](https://www.moniepoint.com/culture) 4. 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