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Product Manager at FairMoney, Lagos, Nigeria

The Product Manager for Merchant Onboarding will own the end-to-end experience of how merchants discover, register, verify, and start using Fairmoney’s financial products. You will be responsible for crafting intuitive onboarding flows, ensuring regulatory compliance, and driving adoption by making it effortless for merchants to go live. This role demands strong problem-solving, execution discipline, and deep empathy for small and medium businesses in Nigeria’s fast-evolving fintech landscape.

Key Responsibilities

Product Strategy & Vision

• Define and execute the product vision for the asset finance team aligned with Fairmoney’s growth objectives.
• Identify opportunities to streamline the onboarding journey and reduce friction.

Onboarding Experience

• Design seamless, intuitive onboarding flows (KYC, document verification, activation).
• Build merchant journeys that balance speed with compliance and trust.

Cross-Functional Execution

• Collaborate with Engineering, Compliance, Risk, Operations, Sales, and Design teams to deliver onboarding solutions.
• Ensure scalability of onboarding processes to support rapid merchant growth.

Compliance & Risk Management

• Work closely with Compliance and Risk teams to meet regulatory requirements (KYC/AML, CBN guidelines).
• Anticipate risks in the onboarding process and design effective mitigations.

Data-Driven Optimisation

• Define KPIs such as onboarding completion rate, time-to-activation, and merchant churn.
• Use analytics and customer insights to continuously improve funnel conversion.

Merchant Engagement & Feedback

• Conduct interviews and research to understand merchant needs and pain points.
• Leverage feedback to refine onboarding flows and improve merchant satisfaction.

Market Awareness

• Stay informed on fintech and merchant onboarding trends across Africa and globally.
• Benchmark against best-in-class solutions to ensure Fairmoney remains competitive.
• Demonstrates a strong willingness to get hands-on, diving deep into technical details when needed while also spending time in the field to experience the customer journey firsthand and inform practical, customer-centric decisions.

• Bachelor’s degree in Business, Finance, Computer Science, or related field; Master’s preferred.
• Proven experience as a Product Manager, ideally in fintech, payments, or digital onboarding.
• Strong knowledge of KYC/AML processes, merchant risk, and regulatory frameworks.
• Deep familiarity with the Nigerian and broader African fintech landscapes; knowledge of local banking regulations and customer behaviours is highly advantageous.
• Analytical skills with experience using tools like SQL, Excel, or BI dashboards.
• Excellent communication and stakeholder management skills.
• Entrepreneurial, detail-oriented, and customer-obsessed mindset.

• Private Health Insurance
• Pension Plan
• Training & Development
• Hybrid work
• Paid Time Off

Recruitment Process

• Screening interview with a Senior Recruiter- 1 hour
• Technical Interview with Senior PM- 1 hour
• Final Interview with Managing Director, Asset Finance- 1 hour