MIM Finance Company Limited (t/a Money in Minutes or MIM) is a UK originated FinTech start-up in the process of launching its exciting products in Nigeria.
MIM’s aim is to provide straightforward and instant finance to consumers in a bid to help solve the current access to finance problems in Africa. MIM’s products would also make it possible for low and middle-class earners to acquire white goods and solar energy generating equipment in a bid to resolving the electricity challenge engulfing the continent.Role Overview
As Head of Commercial, you will be responsible for the strategic direction, execution, and optimization of all revenue-generating activities at MIM Finance. This includes overseeing sales, business development, loan product growth, customer acquisition, and retention efforts. You will work cross-functionally with internal departments—credit, marketing, product, and tech—to ensure alignment with business objectives, while building and scaling a high-performance commercial team. Your role will also involve market expansion, field operations oversight, and driving sustainable portfolio growth.
Key Responsibilities:
Commercial Strategy & Revenue Ownership
Develop and execute integrated commercial strategies that drive loan product uptake, disbursement growth, and profitability.
Own company-wide revenue targets and monitor key commercial KPIs across all products and customer segments.
Sales & Field Operations Leadership
Lead and expand high-performing sales teams across SME lending, vehicle-backed loans, and other credit products.
Design and oversee field deployment strategies in target market clusters (e.g., Mile 12, Alaba, Owode).
Build incentive models and performance frameworks to drive sales efficiency and target achievement.
Business Development & Partnerships
Identify and secure strategic partnerships with aggregators, employers, agents, and ecosystem partners to expand distribution.
Develop institutional lending channels and group-based outreach initiatives.
Product & Market Expansion
Collaborate with the product, credit, and tech teams to refine loan offerings based on market trends, customer behavior, and competitor analysis.
Drive market research initiatives to inform product innovation and pricing strategy.
Portfolio Management & Performance Oversight
Work closely with credit, risk, and collections units to maintain loan book quality while scaling volume.
Monitor customer activation, usage, repayment, and churn to guide decision-making.
Cross-Functional Leadership
Serve as the commercial voice at the executive table, contributing to business planning and cross-departmental coordination.
Ensure strong alignment between marketing campaigns and sales execution.
Regularly report commercial performance insights and recommendations to senior leadership.
Qualifications & Requirements
Minimum of 5 years’ experience in commercial leadership roles within financial services, fintech, or consumer lending.
Strong background in sales leadership, field force management, or partnership/channel development.
Experience with both B2B and B2C lending models.
Track record of hitting and exceeding growth targets in high-volume, high-velocity environments.
Deep understanding of the Nigerian lending landscape and regulatory expectations.
Excellent analytical, strategic, and people management skills.
Bachelor’s degree in Business, Finance, Economics, or related field (MBA or relevant master’s degree is an advantage).
